Your region is currently set to {{a.provincePlaceholder}}.
Change province

We noticed you changed your location recently. Based on your new location, your region is set to {{a.provincePlaceholder}}.
Change province

Our products have different rates in different regions.
We noticed you're outside of Canada right now. Based on your last visit with us, your region is set to {{a.provincePlaceholder}}.
Change province

Based on the address in your profile, your region is set to {{a.provincePlaceholder}}.
Change province

We noticed you changed your location recently. Based on the address in your profile, your region is set to {{a.provincePlaceholder}}.
Change province

We noticed you're outside of Canada right now. Based on the address in your profile, your region is set to {{a.provincePlaceholder}}.
Change province

Find the best TD no annual fee credit card for you

Looking for a no annual fee credit card in Canada? TD has you covered with the TD Rewards and TD Cash Back Visa cards, allowing you to earn the benefits and rewards you deserve, with no annual fee.

Special Offer Recently Viewed

TD Cash Back Visa* Card

Earn Cash Back Dollars. Redeem them to help pay down your Account balance1.

$0 Annual Fee

19.99% Interest: Purchases

22.99% Interest: Cash Advances

View Details

Add another card to compare

empty slot

Add another card to compare

empty slot

Add another card to compare

empty slot
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 TDRewards.com 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.

How to choose the best credit card for you?

When shopping for a credit card that fits your needs, a good rule of thumb is to apply for the card that offers you the best overall value. You can compare welcome bonuses, annual fees, and ease of redemption while making the best choice to suite your needs. A TD Rewards Visa* Card or TD Cash Back Visa* Card might end up being the best no annual fee option depending on your individual requirements.

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 TDRewards.com.
  • Redeem for merchandise, gift cards or travel on TDRewards.com
  • 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.
View all cards

Need help choosing a card?

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

Add Additional Cardholders

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

TD Fraud Alerts

Get text messages right to your mobile when we detect suspicious activity made with your TD Visa Credit Card12.
Learn more
Back to top