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The TD First Class Visa Signature Credit Card has an offer for 25,000 First Class bonus miles when you spend $3,000 within the first six billing cycles. According to TD Bank, this bonus is worth $250 when you redeem for cash back, travel or gift cards. The Capital One Venture Rewards Credit Card has a welcome offer with comparable spending requirements. See our list for more travel credit cards.
The TD First Class card was designed for traveling foodies with unlimited triple miles on both travel and dining purchases. Although the card offers great bonus rates, it’s seriously lacking in the perks department. Especially for a card with an $89 annual fee.
What’s more, the TD First Class card is not open to just anyone. You have to live in a state where TD Bank operates in order to apply (more on that later).
*Check out TD Bank bonuses for Checking & Savings accounts.
CAPITAL ONE® VENTURE® REWARDS CREDIT CARD
The Capital One® Venture® Rewards Credit Card currently earns 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening. Or if are unable to meet the $20k spending requirement, you can still earn 50,000 bonus miles for spending $3,000 in the first 3 months. These bonus miles are equal to $1000 or $500, respectively, in travel and are easy to redeem as a statement credit towards the cost of your travel purchases. Take advantage of Capital One’s travel partners and these up to 100k miles can be worth around $1400 in value.
This card will earn an ongoing 2 miles for every dollar you spend on all purchases. 100 miles is equal to $1 in travel rewards. If you don’t redeem towards travel purchases, your miles will have less value.
The annual fee is $95.
TD First Class Card 25,000 Bonus Miles Offer
Take advantage of the TD First Class card’s 25,000 First Class bonus miles offer, worth $250 when you redeem for cash back, travel or gift cards. To qualify, charge at least $3,000 to your card within the first six billing cycles. That means you’ll need to spend around $500 per billing cycle.
Here are some ideas on meeting the spending requirement.
Earning TD First Class Miles
The TD First Class card gives bonus rewards on both travel and dining:
- Unlimited 3x First Class miles on travel and dining purchases. Including flights, hotel stays, rental cars, cruises and all types of dining.
- Unlimited 1x First Class miles on all other purchases.
How miles can you earn? Let’s have a look at an example below:
| Category | Annual Spend | Miles Earned |
| Travel & dining | $6,000 | 18,000 |
| Everything else | $12,000 | 12,000 |
| Welcome bonus | — | 25,000 |
| Total | $18,000 | 55,000 |
If you use your 55,000 miles for cash, you’ll be getting $550 back. So for this hypothetical first year as a cardmember, the overall rewards rate is about 3%.
*Your miles will never expire as long as your account is open and in good standing.
Redeeming TD First Class Miles
Like many other travel rewards credit card, the value of your miles depends on how you use them. When it comes time to redeem your First Class miles, you have a variety of options, including:
- Direct deposits
- Statement credits
- Travel
- Gift cards
- Merchandise
- Unique experiences
First Class miles have consistent value – $0.01 each – when you use them towards cash back, travel or gift cards. Other redemption options vary greatly and may be worth more or less than $0.01 per mile.
*Minimum redemption for cash back is 2,500 points or $25.
TD First Class Card Availability
The TD First Class credit card is limited to within the issuer’s network. That includes:
- Connecticut
- Delaware
- Florida
- Maine
- Maryland
- Massachusetts
- New Hampshire
- New Jersey
- New York
- North Carolina
- Pennsylvania
- Rhode Island
- South Carolina
- Virginia
- Vermont
- Washington, D.C.
Otherwise, you’ll need to consider other credit card options.
Bottom Line
The TD First Class card is a decent choice for jetsetters looking to get miles for their travels and dining out. It’s a straightforward travel rewards card that offers a good return without a lot of perks. But after your first 12 months, you’ll have to pay an $89 annual fee. So make sure you spend enough on travel and dining to make up for it. Otherwise, consider a no-annual-fee travel rewards card instead.
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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.