TD Cash Back Visa* Card Business

Pros & Cons

Pros

+Purchase protection included
+No annual fee

Cons

–Foreign Transaction Fee (2.5%)

Our Review

The TD Business Cash Back Visa Card is a cash-back business credit card with no annual fee, designed to help businesses get a return on their everyday spending.

You earn 2% in Cash Back Dollars on eligible office supply and gas purchases, 2% on recurring bill payments set up on your account, and 0.5% on all your other purchases. Your Cash Back Dollars never expire as long as your account stays open and in good standing, and are credited to your account once a year. Most eligible purchases are covered by purchase insurance and extended warranty protection.

The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.

Rewards

All Spending

0.5x

Cash Back pts per dollar

Gas

2x

Recurring

2x

Office

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries0.50%

$700/month

Gas & EV2.00%

$200/month

Transit0.50%

$100/month

Restaurants0.50%

$300/month

Pharmacy0.50%

$50/month

Travel0.50%

$150/month

Bills & recurring payments2.00%

$250/month

Telecom0.50%

$150/month

Entertainment & streaming0.50%

$100/month

Office supplies2.00%

$0/month

All other spending0.50%

$500/month

Cashback earned

$231

$/yr

Estimated Value

$231

After Fees

+$231

1st Year Value

$231

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 0.50%$42

Gas & EV$2,400/yr × 2.00%$48

Transit$1,200/yr × 0.50%$6

Restaurants$3,600/yr × 0.50%$18

Pharmacy$600/yr × 0.50%$3

Travel$1,800/yr × 0.50%$9

Bills & recurring payments$3,000/yr × 2.00%$60

Telecom$1,800/yr × 0.50%$9

Entertainment & streaming$1,200/yr × 0.50%$6

Office supplies$0/yr × 2.00%$0

All other spending$6,000/yr × 0.50%$30

Total annual spend$30,000

Monthly spend$2,500

Average earn rate on spend per year0.77%

Total cashback earned$231

Purchase Protection

Included

Extended Warranty

+1 year(s)

Fees and interest rates

Annual Fee
$0
Additional card fee
$0
Foreign currency conversion fee
2.5%
Purchase Rate
19.99%
Cash advance rate
22.99%

Terms & Conditions

Card Features

No Annual Fee.
Earn 2% cash back on eligible purchases of office supplies and gas.
Earn 2% in Cash Back Dollars on regularly recurring bill payments set up on your Account.
Earn 0.5% cash back on all other purchases made with your card.
Your Cash Back Dollars never expire as long as your account is open and in good standing.
Shop knowing that most of your new eligible purchases are covered by purchase insurance and extended warranty protection.
Access the new TD Card Management Tool, a simple way to get expense reports online, review your business expenses, manage your credit limits, and apply spending controls.
Your cash back is credited to your business account once a year. It takes the form of an automatic credit on your statement