Opinion on this TD Bank First Class Visa Signature?

[daybreakgonesXe]

Go First Class all the wayEarn 3x First Class miles with the TD First ClassSM Visa Signature® Credit Card

Earn up to 25,000 bonus First Class miles - you'll earn 15,000 the first time you swipe your card, and an extra 10,000 bonus First Class miles when you spend $3,000 in the first six months.* Redeem your First Class miles with ease - it's just what you'd expect from TD Bank. 3x First Class miles on every dining and travel purchase, with no blackout dates, restrictions, or limit to the number of miles that can be earned. Enjoy VIP treatment, savings and perks at over 800 luxury hotels worldwide. Access TD First Class Visa Signature Concierge your complimentary personal assistant designed to make your life hassle-free. Frequently Asked Questions about TD First ClassSM Apply by Phone  800-676-1507  Apply in person Find a TD Bank near you

*See important Credit Card Terms and Disclosures.

© 2012 Visa U.S.A. Inc

Came across it while researching cards for another forum member related to TD Ameritrade/TD Bank.

3x points on travel and dining

15,000 points after first purchase, then 10,000 additional points after spending $3,000 in six months

$0 Intro Annual Fee, then $89 thereafter

No FTF

Low 13.24% interest

Redeem any point redemption amount toward travel and dining as a statement credit, 1 to 1. Apply points towards gift cards and merchandise. To appl ya statement credit NOT towards travel or dining, must have a mimimum of 25,000 points.

Though everyone loves their CSP and AMEX charges to transfer points to their favorite hotel/airline rewards program...what do you think about this card for travel that falls outside of these programs? Also, do you like the ability to use your points towards meals at restaurants?