Does TD Bank have no-annual-fee credit cards?

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

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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.

TD Bank's only no-annual-fee card

TD Cash Credit Card

  • Earn $200 cash back when you spend $500 within 90 days after account opening
  • Earn 3% cash back on dining
  • Earn 2% cash back at grocery stores
  • Earn 1% cash back on all other eligible purchases
  • $0 annual fee
  • $0 foreign transaction fee
  • Visa Zero Liability
  • Instant credit card replacement
  • Digital wallet
  • Contactless payments
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Compare similar credit cards with no annual fee

Name Product Annual fee Balance transfer APR Purchase APR Filter values
$0
0% intro for the first 12 billing cycles (then 15.74% to 25.24% variable)
15.74% to 25.24% variable
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
$0
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn $150 after spending $500 in the first 3 months.
$0
0% intro for the first 12 months (then 15.74% to 27.74% variable)
0% intro for the first 12 months (then 15.74% to 27.74% variable)
Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months.
$0
0% intro for the first 12 months (then 16.74% to 24.74% variable)
0% intro for the first 12 statement closing dates (then 16.74% to 24.74% variable)
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
$0
0% intro for the first 18 billing cycles (then 14.24% to 25.24% variable)
0% intro for the first 18 billing cycles (then 14.24% to 25.24% variable)
0% intro APR on purchases and balance transfers for the first 18 billing cycles from account opening.

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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 at grocery stores with the TD Cash Credit Card and with the Capital One® SavorOne® Cash Rewards Credit Card. 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 Capital One® SavorOne® Cash Rewards Credit Card 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 Capital One® SavorOne® Cash Rewards Credit Card 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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