Costco Anywhere Visa® vs TD First Class℠ Visa Signature® Credit Card
Side-by-side comparison
| Costco Anywhere Visa® | TD First Class℠ Visa Signature® Credit Card | |
|---|---|---|
| Annual fee | $65 | $89 |
| Welcome offer | No current offer | 25,000 bonus miles |
| Dining | 3x | 3x |
| Groceries | 1x | 1x |
| Gas | 4x | 1x |
| Travel | 3x | 3x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $452 | $388 |
| Points type | Cash back only | Cash back only |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Costco Anywhere Visa® | TD First Class℠ Visa Signature® Credit Card |
|---|---|---|
| Welcome bonus | None | 25,000 bonus miles |
| To earn it | No minimum spend | $3,000 in 6 billing cycles |
| Est. first-year value* | $387 | $549 |
| Est. ongoing value / yr* | $387 | $299 |
This one splits by time horizon. In year one the TD First Class℠ Visa Signature® Credit Card is ahead by roughly $162, thanks largely to its welcome offer. But the Costco Anywhere Visa® earns more every year after, so if you keep it, it overtakes the TD First Class℠ Visa Signature® Credit Card after about 3 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the TD First Class℠ Visa Signature® Credit Card. Planning to keep it for years? The Costco Anywhere Visa® pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Costco Anywhere Visa® | TD First Class℠ Visa Signature® Credit Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Costco Anywhere Visa® earns about $452 a year in rewards and the TD First Class℠ Visa Signature® Credit Card about $388, valuing every point at a flat 1 cent. The Costco Anywhere Visa® charges $65, which you clear through its rewards and perks. The TD First Class℠ Visa Signature® Credit Card charges $89, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Costco Anywhere Visa® delivers more total value, about $89 a year more for a typical spender, mostly because it earns more where you spend most, on gas. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the TD First Class℠ Visa Signature® Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Costco Anywhere Visa® if your spending leans toward gas.