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No Fee Credit Cards Canada


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 and access other benefits. We offer a suite of cards in Canada for those looking to earn rewards on everyday purchases with no annual fee.


Compare the Best TD Credit Cards with No Annual Fee

Recently Viewed

Earn Cash Back Dollars. Redeem them to help pay down your Account balancea1.

$0

Annual Fee

19.99%

Interest: Purchases

22.99%

Interest: Cash Advances


Special Offer Recently Viewed

Earn a value of $50UDINQEN14,UDINQEN14plus in TD Rewards Points to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply. 

$0

Annual Fee

19.99%

Interest: Purchases

22.99%

Interest: Cash Advances


Recently Viewed

Invest back into your business with Cash Back Dollars.

$0

Annual Fee

19.99%

Interest: Purchases

22.99%

Interest: Cash Advances


Recently Viewed

Save on interest to grow your business with confidence

$0 Annual Fee

11.99%

Interest: Purchases

11.99%

Interest: Cash Advances



Benefits of a no annual fee credit card

Aside from no annual fee, you also get to enjoy additional perks, such as TD Reward Points, Cash Back Dollars, travel benefits and more - depending on the card you choose.

  • Redemption flexibility

    Redeem your cash back dollars towards your statement balance1 and your TD Rewards Points towards travel, merchandise and more.

  • Travel benefits

    Travel benefits such as discounts on rentals from Avis Rent-A-Car4 and Budget Rent-A-Car5.

  • Purchase security

    Access to Purchase Security and Extended Warranty Protection including coverage for items you’ve purchased with your Card6

  • No expiry of rewards

    Your Cash Back Dollars or TD Rewards Points never expire as long as your account is open and in good standing.


Why should you choose a no annual fee credit card?

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

  1. If you’re new to credit cards.
    You may find that a TD Rewards Visa Card or TD Cash Back Visa Card with no annual fee is all you need to start earning the Points or Cash Back Dollars on everyday purchases.

  2. If you want to start building your credit.
    A credit card with no annual fee is a great way to build your credit when used responsibly.

  3. 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.

  4. If you don’t require the additional benefits.
    If you don't need 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.

  5. Earn big rewards on the little things.
    Earn 50% more Stars at participating Starbucks® stores. Simply link your eligible TD Credit Card with your Starbucks® Rewards account to start earning. Conditions apply. Learn more.


Helpful questions about no annual fee credit cards




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