Cash Back
No Annual Fee
Business
TD Business Cash Back Visa Card
TD Canada Trust
Annual Fee
$0
Purchase APR
19.99%
Cash Adv. APR
22.99%
RateBuddy Verdict
The Good
- Charges absolutely $0 in annual fees for both the primary cardholder and any additional employee cards you add to the account.
- Earns a solid 2% cash back on essential business categories, including office supplies, recurring bills, and gas.
- Provides excellent business oversight via the TD Card Management Tool and automatic savings through Visa SavingsEdge.
The Trade-offs
- Cash Back Dollars are only credited to your account once a year as an automatic statement credit, rather than offering flexible, on-demand redemption.
- The base earning rate on non-category purchases is quite low, generating only 0.5% cash back.
- Completely lacks embedded travel and rental car insurances, offering only basic purchase security and extended warranty.
Rewards & Earnings
Groceries 0.50%
Dining & Takeout 0.50%
Gas & Transit 2.00%
Travel 2.00%
Base Rate 0.50%
Rewards Summary: Gas, Transit, EV Charging, Office Supplies, Recurring Bills & Media: 2% cash back; Base Earn: 0.5% cash back.
- Gas, Electric Vehicle Charging and Public Transit: 2%
- Recurring bill payments and Streaming, Digital Gaming & Media: 2%
- Eligible Office Supply Purchases: 2%
- All other eligible purchases: 0.5%
Welcome Bonus Details
Features & Benefits
No Annual Fee
No annual fee
Extended Warranty Insurance
Included (Up to 12 additional months)
Purchase Security Insurance
Included (90 days)
Expense Management Tools
Includes TD Card Management Tool for spend controls
Higher Earning on Business Categories
2% cash back on office supplies and recurring bills
Employee Cards
Add employee cards for $0/year
Additional Perks
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Insurance Coverage
Purchase Security: 90 days; Extended Warranty: +1 Year. (Note: Travel Medical, Trip Cancellation, and Car Rental insurance are not included).
Rates & Fees Details
| Purchase APR | 19.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Income Required | No specific requirement listed. |