TD Business Select Rate Visa Card
Low Interest No Annual Fee Business

TD Business Select Rate Visa Card

TD Canada Trust TD Canada Trust
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Annual Fee $0
Purchase APR 11.99%
Cash Advance 11.99%

RateBuddy Verdict

The Good
  • Charges $0 in annual fees for both the primary and supplementary cards, while offering a highly competitive 11.99% default interest rate.
  • Provides the flexibility to pay a $49 annual fee to drop your ongoing interest rate down to an ultra-low 8.99% if you carry a large balance.
  • Uniquely includes Auto Rental Collision/Loss Damage Insurance, which is a rare and valuable inclusion for a no-fee, low-interest card.
The Trade-offs
  • Does not earn any cash back or travel rewards points on your daily business spending.
  • Unlike the personal TD Low Rate Visa, it does not currently offer a 0% introductory promotional rate on purchases.
  • Does not include built-in Travel Medical, Trip Cancellation, or Flight Delay insurance (some are offered only as paid optional upgrades).

Rewards & Earnings

Base Rate 0%
Rewards Summary: Base Earn: None; This card does not earn points or cash back. It is designed purely to save your business money on interest charges.

Welcome Bonus Details

No welcome bonus details are currently listed for this card.

Features & Benefits

No Annual Fee
No annual fee (for the standard 11.99% rate tier)
Car Rental Collision/Loss Damage Waiver
Coverage for up to 48 consecutive days
Extended Warranty Insurance
Included (Up to 12 additional months)
Purchase Security Insurance
Included (90 days)
Low Purchase Interest
11.99% ongoing rate (Option to lower to 8.99% for $49/year)
Expense Management Tools
Includes TD Card Management Tool for spend controls
Employee Cards
Add employee cards for $0/year

Insurance Coverage

Car Rental Collision: 48 days; Purchase Security: 90 days; Extended Warranty: +1 Year. (Note: Travel Medical and Trip Cancellation are optional).

Rates, Fees & Eligibility

Purchase APR11.99%
Cash Advance APR11.99%
Annual Fee$0
Supplementary Card Fee$0
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Low Interest No Annual Fee Business
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