TD Canada Trust
Get 0$ annual fee, earn up to $50 cash back or 15,152 points just for signing up. Purchases: 21.99% interest, advances: 22.99% APR. Great for everyday spending and rewards.
The TD no annual fee credit card lineup is perfect for anyone seeking strong benefits and rewards without the annual cost. These cards come with a $0 annual fee, 21.99% purchase interest, 22.99% cash advance interest. New cardholders may receive up to $50 cash back on the Cash Back Visa, or a welcome bonus of 15,152 TD Rewards Points on the Rewards Visa.
How to Apply for a TD No Annual Fee Credit Card
- Check eligibility – be at least the age of majority and a resident of Canada
- Gather your personal and financial information
- Apply online through the official TD Canada website
- Submit documents if required and wait for approval
Key Pros of TD No Annual Fee Credit Cards
These cards offer strong value for no yearly cost. Cash back and rewards keep accumulating, with flexible redemption for travel, shopping, or statement credits. Insurance options and rental car discounts increase value.
With no annual fee and solid rewards, these cards suit students, new credit users, or anyone looking for extra savings. They also allow up to three additional cardholders to share benefits.
Cons to Consider
Interest rates are typical for no-annual-fee cards, so carrying a balance may be costly. Some card perks are limited compared to premium options with yearly fees.
There is also a cap on higher cash back and point categories each year. Out-of-category purchases earn less, and some travel perks require upgrades or add-ons.
Final Verdict: Who Should Apply?
The TD no annual fee cards are excellent for those who want to earn rewards without spending on yearly fees. They’re best for everyday users and beginners. Occasional spenders looking to build credit or maximize value with minimal risk will appreciate these offers most.
