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
0.5%
cash back on eligible purchases
Recurring
2%
cash back on eligible purchases
Gas
2%
cash back on eligible purchases
Transit
2%
cash back on eligible purchases
Streaming
2%
cash back on eligible purchases
Office
2%
cash back on eligible purchases
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$267
$/yr
Estimated Value
$267
After Fees
+$267
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$267
incl. welcome bonus
Annual rewards breakdown
Bills & recurring payments$3,000/yr × 2.00%$60
Telecom$1,800/yr × 0.50%$9
Office supplies$0/yr × 2.00%$0
Gas$2,400/yr × 2.00%$48
Travel$1,800/yr × 0.50%$9
Restaurants$3,600/yr × 0.50%$18
Groceries$8,400/yr × 0.50%$42
Transit$1,200/yr × 2.00%$24
Entertainment & streaming$1,200/yr × 2.00%$24
Pharmacy$600/yr × 0.50%$3
All other spending$6,000/yr × 0.50%$30
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year0.89%
Total cashback earned$267
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Fees and interest rates
- Annual Fee$0
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate19.99%
- Cash advance rate22.99%
Terms & Conditions
- 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
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Sparks and Bloom may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.
