TD First Class℠ Visa Signature®

This card is worth a look if you want a straightforward no-annual-fee option that rewards two common spending categories well: dining and travel. Earning 3x miles in those categories, with miles worth about 1 cent each, gives it easy-to-understand value for people who book trips a few times a year and spend consistently at restaurants.

The tradeoff is that the card does not come with meaningful travel perks or statement credits, and its 1x rate on everything else is ordinary. If most of your spending falls outside dining and travel, or if you want lounge access, strong protections, or transfer-partner upside, this card will likely feel limited. It makes the most sense for someone who wants simple rewards and no annual fee, not someone trying to build a premium travel setup.