TD First Class Visa Signature Card Calculator

TD Miles Calculator for the TD First Class Visa Signature Card. Calculate total rewards and cash value based on spend and fees. Compare to top cards.
Updated 2020-11-08 By Robert Flowers III

The TD First Class Visa Signature Card is a "miles" earning card that earns a decent return on travel and dining purchases. These 'miles' are not to be confused with actual frequent flyer miles that you would earn with airlines. This is basically just a cash back card that offers 1 cent in value when redeeming towards travel or dining.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The TD First Class Visa Signature Card features two bonus categories which are travel and dining. There's no limit to the amount of TD Miles you can earn spending in these bonus categories and no limit to the amount of TD Miles you can earn with the card overall.

  • 3x Travel
  • 3x Dining
  • 1x Everything Else

Sign Up Bonus

The sign up bonus for the TD First Class Visa Signature Card is 25,000 bonus TD Miles when you spend $3,000 within the first 6 billing cycles. This is equal to a $250 statement credit towards travel or dining purchases made to the card.


Annual Fee

The annual fee for the TD First Class Visa Signature Card is $0 the first year, then $89. That makes this card a great earner during the first year and a solid option on the years thereafter. There's many cards that offer a great return on both travel and dining that can yield a slightly higher return, some with no annual fees.

Authorized User Fee

There is no fee to add authorized users to the TD First Class Visa Signature Card. If you're looking to maximize your rewards, I highly recommend adding family and friends to your account to build your TD Miles faster.

Foreign Transaction Fee

The TD First Class Visa Signature Card has a 0% foreign transaction fee which makes it a solid option for earning TD Miles on purchases made worldwide.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
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Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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