TD Bank Group review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
TD Bank Group suits Canadian and US customers who want a rewards card they can keep for nothing, with points on everyday spending. The credit card runs an APR of 21.99%, so the value here comes from how much you spend and clear, not from cheap borrowing.
Key facts
- Best for
- A rewards credit card with an annual fee of CAD 0 that pays points on everyday spending.
- Annual fee
- CA$0 (Source, checked September 26, 2026)
- APR
- 21.99% (Source, checked September 26, 2026)
- Currency conversion fee
- 3.5% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- 1 point per $1 spent on all purchases, bonus earning on travel, groceries, dining, transit, recurring bills and streaming (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- TD Bank, National Association (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- td.com
Debit cards
- Monthly fee
- $0 (Source, checked September 26, 2026)
- Currency conversion fee
- 3.5% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- TD Bank, National Association (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
Apps and profiles
- Elsewhere
- WikidataWikipediaLinkedInXTrustpilot
Pros and cons
Pros
- Rewards come as points rather than cash back, with points landing on every purchase.
- Bonus earning on travel, groceries, dining, transit, recurring bills and streaming.
- A debit card on the visa network with a monthly fee of $0 for spending that needs no credit line.
- Support through phone, email and help centre for account questions.
Cons
- Currency conversion fee of 3.5%, above the site median 1%.
- APR of 21.99%, just above the site median 20.97%.
- Rewards are points, so points have to be redeemed before they are worth anything.
Who it suits
- Canadian customers who want points on everyday spending rather than a fee to renew.
- People who want a bank for both sides of the money, with a credit card and a debit card on the visa network.
- Cardholders who pay bills by direct debit, since recurring bills sit in the bonus categories on a points card.
Who should look elsewhere
- Not for Wise users who often spend abroad: foreign purchases carry a conversion fee of 3.5%, above the site median 1%.
- Not for Varo Believe Secured Credit Card shoppers who want credit building from a deposit, since TD's card earns points on an APR of 21.99%.
- Not for Chime Card (Secured Visa Credit Card) buyers, since its annual fee of $0 belongs to a secured model rather than a points card.
Deposit protection
Licences on this profile are US. The banking entity is listed by the Office of the Comptroller of the Currency as 18409 and by the FDIC as FDIC cert 18409. US supervision is therefore the part of the safety picture that is documented, and it is the part worth checking for anyone holding money with this bank.
How TD Bank Group compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.9
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9.1 vs 8.5
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9.1 vs 8.8
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9.1 vs 9.2
9.1 vs 9.0
9.1 vs 8.9
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9.1 vs 9.6
9.1 vs 9.4
9.1 vs 9.4
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9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
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9.1 vs 8.8- 9.1 vs 8.8
- 9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.3
9.1 vs 8.2
9.1 vs 8.0
9.1 vs 8.0
Where TD Bank Group is available
- Available
- Canada, United States
- Licence in United States
- Office of the Comptroller of the Currency (18409), checked September 26, 2026
- Licence in United States
- FDIC (FDIC cert 18409), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the TD Bank Group credit card cost to keep?+
The credit card carries an annual fee of CAD 0, so there is nothing to pay for keeping it open. Borrowing is not free: the APR is 21.99%, and the card is a credit card, which means balances accrue interest until they are paid in full.
Is that rate of borrowing competitive?+
The APR of 21.99% sits above the site median 20.97%, which puts borrowing in the middle of the range rather than the cheap end. A card with an annual fee of CAD 0 earns its value from spending and clearing, so treat the rate as the cost of a carried balance.
What rewards does the card pay?+
The card pays points, so the rewards type is points rather than cash back. Points land on every purchase, and bonus earning applies to travel, groceries, dining, transit, recurring bills and streaming. Rewards sit under the rewards feature rather than a separate loyalty scheme.
What does it cost to spend in another currency?+
The currency conversion fee is 3.5% on foreign purchases, above the site median 1%. Spending in the local currency avoids it, so the fee matters mainly to people travelling or buying from overseas sellers, and it is the number to weigh against travel cards.
Who regulates the account and are deposits protected?+
The banking entity is licensed by the Office of the Comptroller of the Currency, listed as 18409, and by the FDIC, listed as FDIC cert 18409. US supervision is the part of the safety picture that is documented, and the Canadian side of the group sits under a different regime.
How do I get help with the account?+
Support runs through phone, email and help centre, so a phone line, email and a help centre cover most questions. The help centre is the first place to look for fee details, and phone support suits anything urgent about a balance or a payment.
Is there a debit card as well as the credit card?+
The same group runs a debit card too. It is a debit card on the visa network with a monthly fee of $0, which suits people who want everyday spending without carrying a credit balance or paying an interest rate.
Sources
- banks.data.fdic.gov/bankfind-suite/bankfind/details/18409 checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“CERT=18409; NAME=TD Bank, National Association; WEBADDR=www.td.com/us/en/personal-banking/; ACTIVE=1”
- ca.trustpilot.com/review/tdcanadatrust.com checked September 26, 2026
Backs: Support channels
“Customers report contacting branches, using app support, and email for resolution”
- td.com/ca/en/personal-banking/products/credit-cards/no-an... checked September 26, 2026
Backs: Annual fee, APR, Card kind, Features, Pricing model, Rewards rate, Rewards type
“TD Rewards Visa Card - Annual Fee: $0”
- td.com/content/dam/tdct/document/pdf/personal-banking/802... checked September 26, 2026
Backs: Currency conversion fee
“Foreign exchange fee: 3.5% of the purchase amount after conversion to Canadian dollars”
- td.com/us/en/personal-banking/personal-debit-cards checked September 26, 2026
Backs: Card type, Monthly fee, Card network
“Personal Visa Debit Card”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
TD Bank Group
A rewards credit card with an annual fee of CAD 0 that pays points on everyday spending.