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Best TD Business Credit Cards 2023

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The right credit card can help Canadian business owners take charge of their finances. From managing cash flow to building credit history, a business credit card can be a real asset. And importantly, it can also help keep personal and business expenses separate.

If you’re in the market for a TD business credit card, you’ve got several options. Knowing which card best fits your needs can be a challenge, especially if your business is growing fast.

Read on to discover which of these TD credit cards are best for your business.

TD Business Cash Back Visa Card

TD Business Cash Back Visa Card


  • Welcome bonus None
  • Annual fee $0
  • Interest Rates Purchases: 19.99%, Cash Advances: 22.99%
  • Recommended Credit Score 660 - 724
TD Aeroplan Visa Business Card

TD Aeroplan Visa Business Card


  • Welcome bonus 10,000 Aeroplan points when you make your first purchase
  • Annual fee $149 (first year waived)
  • Interest Rates Purchases: 19.99%, Cash advances: 14.99%
  • Recommended Credit Score 725 - 759
TD Business Travel Visa* Card

TD Business Travel Visa* Card


  • Welcome bonus 30,000 TD Rewards Points when you make your first purchase
  • Annual fee $149 (first year waived)
  • Interest Rates Purchases: 19.99%, Cash advances: 22.99%
  • Recommended Credit Score 760 - 900

Best TD business credit cards

TD Business Travel Visa* Card

TD Business Travel Visa* Card


  • Welcome bonus 30,000 TD Rewards Points when you make your first purchase
  • Annual fee $149 (first year waived)
  • Interest Rates Purchases: 19.99%, Cash advances: 22.99%
  • Recommended Credit Score 760 - 900

Most Ideal For

  • Those who travel often or have high net purchases on travel.

Less Ideal For

  • Those who won’t spend enough on credit to earn rewards points.

TD Aeroplan Visa Business Card

TD Aeroplan Visa Business Card


  • Welcome bonus 10,000 Aeroplan points when you make your first purchase
  • Annual fee $149 (first year waived)
  • Interest Rates Purchases: 19.99%, Cash advances: 14.99%
  • Recommended Credit Score 725 - 759

Most Ideal For

  • Those who travel often with Air Canada.

Less Ideal For

  • Those who don’t rack up a lot of travel miles.

TD Business Cash Back Visa Card

TD Business Cash Back Visa Card


  • Welcome bonus None
  • Annual fee $0
  • Interest Rates Purchases: 19.99%, Cash Advances: 22.99%
  • Recommended Credit Score 660 - 724

Most Ideal For

  • Those looking to generate cash back on business expenses.

Less Ideal For

  • Businesses with high expenditure that could benefit from a comprehensive rewards program.

TD Business Select Rate Visa Card

TD Business Select Rate Visa Card


  • Welcome bonus None
  • Annual fee $49 (optional)
  • Interest Rates No annual fee: 11.99% on purchases and cash advances, Annual fee: 8.99% on purchases and cash advances
  • Recommended Credit Score 660 - 724

Most Ideal For

  • Those strictly interested in the lowest interest rate available.

Less Ideal For

  • Those seeking a card with extensive benefits and rewards programs.

What is a business credit card?

A business credit card is a credit card intended for business owners. These cards can help owners improve the organization of their businesses’ finances, especially when it comes to taxes and bookkeeping.

Business credit cards can also help fund everyday business expenses without the owner having to dip into their personal finances or use a personal credit card. For businesses with high upfront costs, or those struggling with expense management, they can be extremely helpful.

How to get a business credit card

Applying for a business credit card isn’t difficult, but you will need to provide more documentation compared to a personal card application. You can usually apply online, and in addition to proving your financial suitability, you’ll also have to document essential details about your small business.

For example, during the application process for any TD business credit card, you’ll be asked to provide your Master Business Licence. You may also need to show a history of your businesses’ financial statements.

When should I use a business credit card?

One of the biggest advantages of using a business credit card is it allows owners to easily separate personal spending from business purchases. They are also intended to help cover costs when cash is low, or when unexpected business expenses crop up.

Frequently asked questions

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