TD First Class℠ Visa Signature® Credit Card vs Truist Enjoy Beyond Visa® Credit Card
Side-by-side comparison
| TD First Class℠ Visa Signature® Credit Card | Truist Enjoy Beyond Visa® Credit Card | |
|---|---|---|
| Annual fee | $89 | $95 |
| Welcome offer | 25,000 bonus miles | 30,000 points |
| Dining | 3x | 2x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 3x | 3x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $388 | $358 |
| 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 | TD First Class℠ Visa Signature® Credit Card | Truist Enjoy Beyond Visa® Credit Card |
|---|---|---|
| Welcome bonus | 25,000 bonus miles | 30,000 points |
| To earn it | $3,000 in 6 billing cycles | $1,500 in 90 days |
| Est. first-year value* | $549 | $563 |
| Est. ongoing value / yr* | $299 | $263 |
This one splits by time horizon. In year one the Truist Enjoy Beyond Visa® Credit Card is ahead by roughly $14, thanks largely to its welcome offer. But the TD First Class℠ Visa Signature® Credit Card earns more every year after, so if you keep it, it overtakes the Truist Enjoy Beyond Visa® Credit Card after about 1 year. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Truist Enjoy Beyond Visa® Credit Card. Planning to keep it for years? The TD First Class℠ Visa Signature® Credit Card 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 | TD First Class℠ Visa Signature® Credit Card | Truist Enjoy Beyond Visa® 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 TD First Class℠ Visa Signature® Credit Card earns about $388 a year in rewards and the Truist Enjoy Beyond Visa® Credit Card about $358, valuing every point at a flat 1 cent. The TD First Class℠ Visa Signature® Credit Card charges $89, which you clear through its rewards and perks. The Truist Enjoy Beyond Visa® Credit Card charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the TD First Class℠ Visa Signature® Credit Card delivers more total value, about $36 a year more for a typical spender, mostly because it earns more where you spend most, on dining. 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 Truist Enjoy Beyond Visa® 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 TD First Class℠ Visa Signature® Credit Card if your spending leans toward dining.