Find the best TD no annual fee credit card for you




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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


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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.

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

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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 Card12.

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