Find the best TD no annual fee credit card for you

Shopping Image

What is a no annual fee credit card?

Many credit cards require customers to pay an annual fee to earn rewards on their day to day transactions. We offers a suite of cards for those looking to earn rewards on everyday purchases, and no annual fee.

Our credit cards with no annual fee offer great rewards that include

  • Flexibility to redeem the TD Rewards Points you've earned towards travel, merchandise, or gift cards through or redeem your Cash Back Dollars (min $25) to help pay down your Account balance
  • Ease of earning TD Rewards Points or Cash Back Dollars on everyday purchases
  • Travel benefits such as discounts on rentals from Avis Rent-A-Car4 and Budget Rent-A-Car5.
  • Access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Card6.
  • Your Cash Back Dollars or TD Rewards Points never expire as long as your account is open and in good standing

Why choose a no annual fee credit card?

There are several reasons why you might prefer a no annual fee credit card in Canada.

  • If you’re new to credit cards.
    You may find that a TD Rewards or Cash Back card with no annual fee is all you need to start earning the Points or Cash Back Dollars on every day purchases.
  • If you want to Start building your credit.
    A credit card with no annual fee could be one of the fastest and most effective ways to build your credit when used responsibly.
  • If you don’t use a credit card often.
    If you know you’re not likely to use a credit card regularly then a no annual fee credit card could be perfect to suit your needs.
  • If you don’t require the additional benefits
    offered by credit cards with higher annual fees, it's makes more financial sense to go for a no annual fee card, and still receive many of the same benefits and rewards.

TD Rewards Visa* Card

  • Earn TD Rewards Points on all purchases you make with your card7.
  • Shop online and redeem your TD Rewards points for purchases at participating online retailers through the Shop The Mall service on
  • Redeem for merchandise, gift cards or travel on
  • Get discounts on car rental4, 5 within Canada, and the U.S.
  • Enjoy travel benefits such as a priority pass membership discount8

TD Cash Back Visa* Card

  • Earn Cash Back Dollars on all purchases you make with your card9 and earn even higher Cash Back rate on everyday purchases on groceries, gas10 and regularly recurring bill payments11.
  • Redeem1 your Cash Back Dollars to help pay down your Account balance, whenever you please - the choice is yours!
  • Get discounts on car rentals4, 5 within Canada and the U.S.
  • Your Cash Back Dollars never expire as long as the account is open, active and in good standing

More features included with all our Canadian credit cards

Browse all TD credit cards

Compare our credit cards to find your preferred solution.

Need help choosing a card?

Answer a few simple questions and we'll suggest your ideal card based on your responses.

Add Additional Cardholders

Share the benefits of your TD Credit Card Account with up to 3 Additional Cardholders.

TD Fraud Alerts

Get text messages right to your mobile when we detect suspicious activity made with your TD Visa Credit Card11.

Back to top