The TD Business Cash Back Visa is TD’s entry-level business cash back credit card for Canadian small business owners. With no annual fee, it offers a simple, zero-cost way to earn cash back on business spending while keeping expenses separate from personal accounts.
Quick Verdict
Best for: TD banking clients with modest business spending who want a no-annual-fee cash back business card.
Not ideal for: High-spending businesses that would get better value from the TD Business Cash Back Visa Infinite or another premium business card.
Key Card Details
| Feature | Details |
|---|---|
| Annual Fee | $0 CAD (verify at td.com) |
| Network | Visa |
| Reward Type | Cash back |
| Income Requirement | None stated |
| Purchase Interest Rate | 19.99% |
| Cash Advance Rate | 22.99% |
| Foreign Transaction Fee | 2.5% |
| Employee Cards | Available |
Note: Cash back rates and features change periodically. Visit td.com for current details.
Welcome Bonus
TD periodically offers welcome bonuses on business cards. Check td.com for the current sign-up promotion.
TD Business Card Lineup
| Card | Annual Fee | Rewards | Best For |
|---|---|---|---|
| TD Business Cash Back Visa | $0 | Cash back | Entry no-fee business |
| TD Business Cash Back Visa Infinite | $149 | Cash back (higher rates) | Higher spend businesses |
| TD Business Travel Visa | $149 | TD Rewards | Business travellers |
| TD Aeroplan Visa Business | $149 | Aeroplan | Air Canada business flyers |
Benefits and Perks
- No annual fee — zero business overhead
- Cash back on eligible business purchases
- Employee cards — track staff expenses
- Year-end statement — simplify tax preparation
- Purchase protection on eligible purchases
- TD online banking integration
Who Is This Card Best For?
- TD banking clients wanting to consolidate business accounts
- Sole proprietors new to business credit cards
- Light spenders for whom a no-fee option makes sense
Alternatives
| Card | Annual Fee | Cash Back | Best For |
|---|---|---|---|
| TD Business Cash Back Visa Infinite | $149 | Higher rates | Heavy business spenders |
| BMO CashBack Business Mastercard | $0 | Cash back | BMO banking clients |
| RBC Business Cash Back Mastercard | $0 | Cash back | RBC banking clients |
Bottom Line
The TD Business Cash Back Visa is a clean, no-cost entry into business credit for TD customers. It won’t win any rewards races, but for small businesses looking to separate expenses and earn basic cash back without fees, it does the job.
Disclaimer: Card terms, earn rates, and features are subject to change. Verify all current details at td.com before applying.