TD First Class^SM Visa Signature^® Questions & Answers

You will earn 3 First Class miles for every $1 spent on dining and travel purchases. Travel purchases include airline tickets, hotel stays, car rentals, cruises, toll and bridge fees, and travel agencies.

There is no minimum amount of miles needed to redeem.

Miles may be redeemed as statement credits or for gift cards or merchandise.

First use your TD First Class Visa Signature credit card to make your travel arrangements (purchase an airline ticket, book a hotel room, make a car rental reservation) or to charge a meal at a restaurant. Next call the TD Rewards Center at 1-877-GO-TD1ST (1-877-468-3178) within 180 days of the charge. We will verify the travel/dining purchase charge and then submit the credit. The credit will be reflected on your next monthly billing statement following your call to the TD Rewards Center.

To determine how many miles you need for a travel or dining purchase, just add two zeros to the expense amount. For example, a $150 restaurant charge requires 15,000 First Class miles to cover the expense in full.

Go to www.tdbank.com/firstclassrewards to review the available options. Once you are ready to redeem, simply call the TD Rewards Center at 1-877-GO-TD1ST (1-877-468-3178) and they will process your request.

Provided you've accumulated 25,000 First Class miles or more, you may redeem them at full value for a statement credit. (For example: 25,000 miles is the equivalent of a $250 statement credit). If you have less than 25,000 miles and have not made a recent travel or dining purchase, you may redeem your miles for a statement credit worth 50% of the value. In this scenario, 20,000 miles would be the equivalent of a $100 statement credit.

First Class miles are only redeemable upon request. To request redemption you must call 1-877-GO-TD1ST (1-877-468-3178). First Class miles will be applied to your TD First Class Account in the form of a statement credit. Or, you may redeem for merchandise or gift cards selected from the available options found at www.tdbank.com/firstclassrewards.

Accounts opened after August 28, 2012 are eligible to earn a one-time bonus offer of 15,000 First Class miles after a first purchase made within 6 months of Account opening. You will earn an additional 10,000 bonus First Class miles if you spend $3,000 in total net purchases using your new TD First Class Credit Card within the first 6 months of your credit card Account opening date. Exclusions apply. Please review the First Class Terms and Conditions for complete details.

You choose how to make your arrangements and when. Once you've made those arrangements using your TD First Class Visa Signature credit card, contact the TD Rewards Center at 1-877-GO-TD1ST (1-877-468-3178) to redeem miles to cover all or part of your trip.

Your monthly TD First Class Visa Signature credit card statement will provide a recap of miles earned and miles redeemed.

The TD First Class Visa Signature credit card includes an $89 annual membership fee, waived for the first year. Thereafter the fee will be billed each year, whether or not you use your account.

The $89 annual membership fee is waived for the first year. After that, you will be charged each year. We will provide 30 days advanced notification in the form of a letter prior to the statement where the annual membership fee will bill.

You have the right to reject the fee by calling 1-877-GO-TD1ST (1-877-468-3178) within 30 days of the date the pre-notification is sent in order to inform us that you wish to close your Account.

You may access the concierge service at visa.com/signature or by calling 888-647-9066.

Travel information and assistance; flight reservations and ticketing; hotel and car rental arrangements; pre-trip information such as sightseeing opportunities, exchange rates, ATM locations, passport requirements, and proper protocols; entertainment planning for travelers; restaurant recommendations and reservations; golf course information and reservations; assistance in obtaining tickets to theater, concerts, museums, and sporting events; and more.

No. TD First Class Visa Signature Concierge is a complimentary benefit. Any goods or services purchased on your behalf will be conveniently billed to your TD First Class Visa Signature credit card, with your prior consent.

Call Visa Customer Care Services at 1-800-397-9010 no later than 45 days from the date the accident occurred. The representative will answer any questions you or the car rental agent may have and transfer you to the Program Administrator to file a claim.

No. However, coverage in the United States is provided on a secondary basis. This means it will pay in excess of your personal/business insurance, in most cases.

Contact Visa Customer Care Services at 1-800-397-9010 to file a claim anyway. In many instances, the rental agency will not take care of the paperwork, and it is the cardholder's responsibility to report and file a claim.

Yes. This coverage is available in the U.S. and in most foreign countries on a 24-hour basis unless precluded by law or in violation of the territory terms of the rental agreement, or prohibited by individual merchants.

Contact Visa Customer Care Services at 1-800-397-9010 no later than 20 days from the date of loss. The representative will answer any questions you may have and send you a special claim form.

Call Visa Customer Care Services at 1-800-397-9010 within 60 days of theft or damage. The Visa representative will ask you for some preliminary claim information, direct you to an approved repair facility, and send you the appropriate claim form. Or you can file your claim online at visa.com/eclaims.

Simply tell the Roadside Dispatch operator what you need, where you are, and what number you're calling from. The operator will let you know the name of the local tow operator or locksmith being sent to assist you, an estimated time of arrival, and an estimate of charges. In most cases, help should arrive within 30 minutes.

Yes. Any type of non-commercial motor vehicle with wheels is included.

The disabled vehicle will be towed to authorized service/repair facilities, automotive dealers, or the service facility specified by you. The flat fee of $59.95 is limited to a distance of five (5) miles. Additional costs apply for longer distances.

Yes, the flat fee of $59.95 is automatically charged to your TD First Class Visa Signature card. You are responsible for the cost of any actual service or goods provided. Such cost can be paid at your discretion, using your TD First Class Visa Signature card. A tow service call of up to five (5) miles or lockout service costs only $59.95.

Contact Visa Customer Care Services at 1-800-397-9010.

Contact Visa Customer Care Services at 1-800-397-9010.

No. Travel and Emergency Assistance Services is provided at no additional charge as part of your TD First Class Visa Signature benefits. Please be aware Visa Travel and Emergency Assistance provides assistance and referral only; you are responsible for the cost of any actual medical, legal, transportation, or other services or goods provided.

No enrollment is necessary. Visa Signature Access/Sports & Entertainment is a benefit provided to all TD First Class Visa Signature cardholders.

Visit the Visa Signature Access page on visa.com/signature. To take advantage of these benefits, simply call Visa Signature Access at 1-888-877-1035.

Simply call, email, or shop at the participating physical store and pay with your TD First Class Visa Signature card.

Call Visa Customer Care Services at 1-800-397-9010 within 60 days of product failure. You will be asked to provide some preliminary claim information. In addition, you will be directed to an approved repair facility, and sent the appropriate claim form. Or file your claim online at visa.com/eclaims.