Wide-bandgap semiconductor photocatalysts such as La2Ti2O7 (LTO) are stable but can only work under ultraviolet (UV) light, while narrow-bandgap semiconductor photocatalysts such as CdS and black phosphorus (BP) with broad-wavelength range absorption generally have low stability and high electron-hole pairs recombination rate. In this work, ternary heterostructure composing of BP quantum dots (QDs), CdS nanoparticles (NPs) and LTO nanosteps (NSP) is developed for the first time to make full use of their respective advantages, which offers a promising approach to achieving desired stability and solar energy harvesting. As an effective noble metal-free photocatalyst, BP-CdS-LTO composite generates H-2 from Na2S/Na2SO3 aqueous solution with a rate of 0.96 mmol g(-1) h(-1) under solar light irradiation, and 0.26 mmol g(-1) h(-1) in the near-infrared (NIR) range. In this system, BP serves as a NIR photosensitizer; CdS not only contributes to visible light absorption but also bonds with BP to promote the transmission of photogenerated charge carriers; LTO absorbs UV light as well as provides reaction sites for photoinduced electrons. Femtosecond transient absorption spectroscopy is used to elucidate the kinetics of the injection of photogenerated electrons from BP QDs to CdS NPs and finally to LTO. This work provides deep insight into charge transfer between semiconductors with different band alignments, which can open a new avenue for more rationally designing heterostuctured photocatalysts for H-2 production.