Does TD Bank have no-annual-fee credit cards? | finder.com
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Does TD Bank have no-annual-fee credit cards?

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Get a no-annual-fee card that also comes with accelerated cash back.

Unlike other card issuers that usually offer several no-annual-fee credit card options, TD Bank has only one: the TD Cash Credit Card. This card comes with accelerated cash back on dining and groceries, and it has a generous signup bonus that is easy to claim.

Compare similar credit cards with no annual fee

Name Product Annual Fee Balance Transfer APR Purchase APR Filter values
$0
0% for the first 12 billing cycles (then 16.24% to 25.74% variable)
16.24% to 25.74% variable
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
$0
17.99%, 23.99% or 28.74% variable
17.24%, 23.99% or 28.74% variable
Get 4% back on dining, 3% on travel, 2% on Uber rides and online shopping and 1% on other purchases, and redeem for Uber credits, gift cards or cash back.
$0
0% for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
0% for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$0
0% for the first 12 months (then 16.24% to 27.24% variable)
0% for the first 12 months (then 16.24% to 27.24% variable)
Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months.

Compare up to 4 providers

How to compare similar credit cards

When considering whether the no-annual-fee TD Cash Credit Card could be a better choice than its competitors, ask yourself:

  • Is the signup bonus important for you?
    The TD Cash Credit Card comes with a generous signup bonus of $200 when you spend $500 in the first 90 days of card membership.

    Wells Fargo Propel American Express® Card is the only card that offers a higher signup bonus. You can earn $300 if you spend $3,000 within your first 3 months of card membership.
  • Do you want other cash back categories?
    You can earn 2% cash back on groceries with the TD Cash Credit Card and with the SavorOne℠ Rewards from Capital One®. The Wells Fargo Propel American Express® Card does not offer rewards on groceries but offers 3x points — equal to 3% cash back — on a variety of categories such as gas, rideshares, transit, travel purchases and on popular streaming services.
  • Do you want a 0% intro APR on balance transfers?
    The SavorOne℠ Rewards from Capital One® card offers the longest intro APR period on balance transfers, while the Marvel Mastercard® doesn’t offer any intro APR period.
  • Do you want a 0% intro APR on purchases?
    The SavorOne℠ Rewards from Capital One® also has the longest intro APR period on purchases, while the TD Cash Credit Card, the U.S. Bank Cash+™ Visa Signature® Card and the Marvel Mastercard® have no intro APR period on purchases.

Will I earn more rewards if I pay an annual fee?

TD Bank offers two cards with an annual fee:

  • TD Cash Secured Credit Card
  • TD First Class℠ Visa Signature® Credit Card
  • The secured card is similar to the no-annual-fee cashback card as it earns the same rewards on dining and groceries. The TD First Class℠ Visa Signature® Credit Card offers a higher signup bonus and an additional 3x points on travel purchases.

Bottom line

TD Bank offers only one no-annual-fee credit card that lets you earn accelerated cash back on dining and groceries. It also offers a generous signup bonus and a long intro APR period on balance transfers.

However, if you don’t find this card appealing, look for other credit cards to compare your options.

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