Account Types
Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offersBanking For
Newcomers Youth & Parents Students International Students Post GradsServices
Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud PreventionTD New to Chequing Offer
Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.
TD New to Canada Banking Package
Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.
Credit Cards Go Back Credit Cards CloseCard Types
Explore all credit cards Explore promotions and offers TD Travel Rewards Cash Back Aeroplan No Annual Fee Low Rate U.S. Dollar BusinessCredit Cards For
Students Post grads New to CanadaExisting Cardholder Services
Get the most out of my credit card Getting started with your TD Credit Card TD Rewards Program Mobile wallet Check your credit scoreLearning Resources
Basics of Credit Cards Introduction to Credit Card Points Basics of Business Credit Cards Building your credit Learn moreFeatured offer
TD® Aeroplan® Visa Infinite* Card
Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.
Featured offer
TD First Class Travel® Visa Infinite* Card
Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.
Mortgages Go Back Mortgages CloseMortgages
Explore all mortgage options Today's mortgage rates TD Home Equity FlexLine (HELOC) Flexible mortgage payment features Mortgage offers TD Mortgage ProtectionWhat’s Next For You?
Buy my first home Buy my next property Renew my mortgage Refinance my mortgage Move my mortgage to TD Newcomer to CanadaTools and Resources
Explore all mortgage tools and calculators Mortgage Payment Calculator Mortgage Affordability Calculator Mortgage Pre-approval Connect with a specialistTD Mortgage Direct
Answer a few questions and we'll call you to match you with a TD Mortgage Specialist.
With a new TD mortgage, get up to $5,100 cashback.
Offer expires August 31, 2026. Conditions apply.
Loans/Lines of Credit Go Back Loans/Lines of Credit CloseLoans and Lines of Credit
Explore Personal Loan RSP Loan Vehicle Loan Personal Line of Credit Home Equity Line of CreditStudent Borrowing
Explore Student Line of Credit Professional Student Line of Credit Healthcare Student Line of CreditTools and Resources
Help me choose Check your credit score Loan vs Line of Credit Calculator Help me manage debtBorrowing Advice
Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.
Student Advice
Get expert advice on things like building a student budget and other important financial topics.
Know more about student borrowing
Credit Application Guide
This step-by-step guide will help you understand the credit application process.
Personal Investing Go Back Personal Investing CloseRegistered Accounts & Plans
Personal Investing Overview Explore promotions and offers Tax Free Savings Account (TFSA) Registered Retirement Savings Plan (RRSP) First Home Savings Account (FHSA) Registered Education Savings Plan (RESP) Registered Retirement Income Fund (RRIF) Registered Disability Savings Plan (RDSP)Investing Products
Explore all products GICs Mutual Funds Precious Metals Other ways to invest Trade and invest yourself with TD Direct Investing Invest with a TD Wealth AdvisorTools and Resources
Compound Interest Calculator TFSA Calculator RRSP Calculator GIC Selector Tool RESP Calculator Net Worth Calculator TD Goal Builder Personal Cash Flow CalculatorInvestor Education
Find an investing article that will help you invest with confidence and make financial decisions.
Insurance Go Back Insurance CloseCredit Protection Plans
Explore all protection plans TD Mortgage Protection TD Line of Credit Protection TD Loan Protection TD Credit Card Payment Protection Plan Business Credit ProtectionTravel Insurance Plans
Explore all travel insurance Single Trip Plan Annual Trip Plan Trip Cancellation & Trip Interruption Insurance Top-up or ExtensionTools and Resources
TD Protection Plans Assessment Tool Credit Card Travel Insurance Verification ToolFile a TD Protection Plans claim
We’re ready to guide you every step of the way.
Learn more about filing a claim
Travel Insurance Claims Centre
We’re here to help get you through your travel insurance claims. Visit our online claims portal to start or to check the status of a submitted claim.
Advice Go Back Advice CloseFinancial Tips and Insights
Advice Hub Student & Youth Learning Centre Newcomer Learning Centre Seniors banking Estate planning and support Fraud preventionResources
Registrations and passwords TD app tutorials EasyWeb tutorials Bill payment and transfers TD MySpend How to switch to TD TD Calculators and ToolsWays to Bank
TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange servicesNeed help finding the right TD products?
Just answer a few questions and we can better help direct you to achieving your goals.
Understanding interest rates
Read on to know more about interest rates and how they can affect your investments.
OpenLogin
My Accounts Logout TD: Personal Personal Selected Small Business Commercial Investing TD Asset Management About TD Accounts Go Back Accounts CloseAccount Types
Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offersBanking For
Newcomers Youth & Parents Students International Students Post GradsServices
Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud PreventionTD New to Chequing Offer
Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.
TD New to Canada Banking Package
Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.
Credit Cards Go Back Credit Cards CloseCard Types
Explore all credit cards Explore promotions and offers TD Travel Rewards Cash Back Aeroplan No Annual Fee Low Rate U.S. Dollar BusinessCredit Cards For
Students Post grads New to CanadaExisting Cardholder Services
Get the most out of my credit card Getting started with your TD Credit Card TD Rewards Program Mobile wallet Check your credit scoreLearning Resources
Basics of Credit Cards Introduction to Credit Card Points Basics of Business Credit Cards Building your credit Learn moreFeatured offer
TD® Aeroplan® Visa Infinite* Card
Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.
Featured offer
TD First Class Travel® Visa Infinite* Card
Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.
Mortgages Go Back Mortgages CloseMortgages
Explore all mortgage options Today's mortgage rates TD Home Equity FlexLine (HELOC) Flexible mortgage payment features Mortgage offers TD Mortgage ProtectionWhat’s Next For You?
Buy my first home Buy my next property Renew my mortgage Refinance my mortgage Move my mortgage to TD Newcomer to CanadaTools and Resources
Explore all mortgage tools and calculators Mortgage Payment Calculator Mortgage Affordability Calculator Mortgage Pre-approval Connect with a specialistTD Mortgage Direct
Answer a few questions and we'll call you to match you with a TD Mortgage Specialist.
With a new TD mortgage, get up to $5,100 cashback.
Offer expires August 31, 2026. Conditions apply.
Loans/Lines of Credit Go Back Loans/Lines of Credit CloseLoans and Lines of Credit
Explore Personal Loan RSP Loan Vehicle Loan Personal Line of Credit Home Equity Line of CreditStudent Borrowing
Explore Student Line of Credit Professional Student Line of Credit Healthcare Student Line of CreditTools and Resources
Help me choose Check your credit score Loan vs Line of Credit Calculator Help me manage debtBorrowing Advice
Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.
Student Advice
Get expert advice on things like building a student budget and other important financial topics.
Know more about student borrowing
Credit Application Guide
This step-by-step guide will help you understand the credit application process.
Personal Investing Go Back Personal Investing CloseRegistered Accounts & Plans
Personal Investing Overview Explore promotions and offers Tax Free Savings Account (TFSA) Registered Retirement Savings Plan (RRSP) First Home Savings Account (FHSA) Registered Education Savings Plan (RESP) Registered Retirement Income Fund (RRIF) Registered Disability Savings Plan (RDSP)Investing Products
Explore all products GICs Mutual Funds Precious Metals Other ways to invest Trade and invest yourself with TD Direct Investing Invest with a TD Wealth AdvisorTools and Resources
Compound Interest Calculator TFSA Calculator RRSP Calculator GIC Selector Tool RESP Calculator Net Worth Calculator TD Goal Builder Personal Cash Flow CalculatorInvestor Education
Find an investing article that will help you invest with confidence and make financial decisions.
Insurance Go Back Insurance CloseCredit Protection Plans
Explore all protection plans TD Mortgage Protection TD Line of Credit Protection TD Loan Protection TD Credit Card Payment Protection Plan Business Credit ProtectionTravel Insurance Plans
Explore all travel insurance Single Trip Plan Annual Trip Plan Trip Cancellation & Trip Interruption Insurance Top-up or ExtensionTools and Resources
TD Protection Plans Assessment Tool Credit Card Travel Insurance Verification ToolFile a TD Protection Plans claim
We’re ready to guide you every step of the way.
Learn more about filing a claim
Travel Insurance Claims Centre
We’re here to help get you through your travel insurance claims. Visit our online claims portal to start or to check the status of a submitted claim.
Advice Go Back Advice CloseFinancial Tips and Insights
Advice Hub Student & Youth Learning Centre Newcomer Learning Centre Seniors banking Estate planning and support Fraud preventionResources
Registrations and passwords TD app tutorials EasyWeb tutorials Bill payment and transfers TD MySpend How to switch to TD TD Calculators and ToolsWays to Bank
TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange servicesNeed help finding the right TD products?
Just answer a few questions and we can better help direct you to achieving your goals.
Understanding interest rates
Read on to know more about interest rates and how they can affect your investments.
Find Us Help Country: Canada Canada Selected country United States Language: English English Select language Français 简体中文 繁體中文Login
EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout Online Services EasyWeb WebBroker U.S. Banking Basics of Business Credit Cards Different types of Business Credit CardsBusiness credit cards are designed for small business owners, offering a convenient way to make business-related purchases. For entrepreneurs and business owners, a business credit card can help with financial management and provide the tools you need to meet your goals and find success.
Using a business credit card allows you to separate your personal and business expenses. It’ll be easier for you to track and manage your business payments. Many small business credit cards come with online expense tracking tools to save you time and effort from manual bookkeeping.
Like a personal credit card, business credit cards allow you to pay for your business expenses by charging purchases on your card. At the end of your billing cycle, you’ll receive a statement with the balance you owe and the minimum you have to pay.
By consistently paying off your business credit card on time, you can establish and build your credit history. A strong credit rating will make it easier for you to apply for loans or get other forms of business financing in the future.
With your business credit card, you’ll also enjoy great rewards programs that benefit your business. Whether you want cash back, travel rewards or a low interest rate, TD features a variety of different business credit cards.
When you’re looking for a business credit card, you’ll notice that they have a variety of benefits and features. Consider the offerings and structure of each card so that you could choose one that best suits your needs.
Some of your best business credit card options are business credit cards for travel, cards with cash back dollars and cards with a low interest rate.
Business Credit Cards for Travellers
Best for business owners who want to be rewarded for travel and travel-related purchases. Get benefits while you’re travelling for business. Earn points when you spend money on foreign currency, restaurants and other eligible expenses while on business travel. Get travel insurance coverage like trip cancellation insurance, travel medical insurance and rental car insurance. Some cards have partnerships with certain airlines or hotel chains, so you can get a discount when you book with these chains.Cash Back Business Credit Cards
Best for business owners who want cash back dollars. The cash back rate varies depending on what you spend money on. Business expenses like office supplies or gas may net you a higher percentage of cash back dollars. Cash back dollars are credited to your business account and don’t expire if your card remains open and in good standing.Business Credit Cards with Low Interest Rate
Best for business owners who expect to carry a balance on their credit card. Offers a low annual interest rate on purchases and balance transfers. Useful if you prefer to maintain a balance on your card. May include coverage for auto rentals, loss and damage, and eligible new purchases. What are the benefits of a Business Credit Card?For entrepreneurs and business owners, a business credit card offers numerous benefits. From managing your business finances to building your business credit, the best business credit cards will give you several advantages to help you run your business more efficiently. With a business credit card, you can:
Split your personal and business expenses: By using a business credit card rather than your personal credit card, you’ll have a clear separation between your personal and business expenses. This will help you keep accurate records of all your business transactions. Build business credit: Raise your credit rating by consistently making payments towards the balance on your business credit card. Having a strong credit profile will help if you ever decide to apply for loans or new lines of credit for your business. You’ll get a better rate and repayment terms. Track business spending: Some business credit cards provide online tools that help you track your business expenses, so you don’t have to save all your physical receipts and invoices. File taxes easily: Business credit cards make it easy for you to separate your personal and business expenses. With two separate statements, completing your tax return is a straightforward process. How do you qualify for a Business Credit Card?To get a business credit card, you will need to meet specific criteria by the company issuing your card. These criteria may vary for different issuers such as TD, but there are some common qualification requirements that you should consider if you’re looking to apply for a business credit card.
Canadian Resident: To get a business credit card in Canada, you’ll need to provide proof that you’re a resident of Canada. If you’re a non-resident, you may have difficulties in getting a business credit card. Owner of a Business: Most business credit cards are designed for business owners, so you’ll need to have a registered and operating business to qualify. Freelance and independent contractors may also be eligible for business credit cards. Personal Income Threshold: Your personal income demonstrates your capacity to repay your credit balances. A higher personal income shows that you’re more likely to make payments in time. You’re also more likely to get a higher credit limit, allowing you more flexibility to manage your business expenses. Credit History: Your personal credit history is a significant factor when you apply for a business credit card. If you have a strong personal credit score, you’ll have a higher chance of being approved and receiving a higher credit limit. How to choose the right Business Credit CardBusiness credit cards have features to support your business. There are a variety of options available in the market, so you’ll want to carefully consider the advantages that different cards provide based on your unique business needs. Features and benefits such as rewards, annual interest rates, fees and various insurance can help you reach your financial goals faster and run a successful business. Browse through the different TD Business Credit Cards to see what kind of features and benefits each one has.
Type of rewards: Earn rewards when you make purchases on business-related expenses like travel, foreign currency, restaurant meals, gas, office supplies and recurring bill payments. Rewards Redemption: Many rewards cards allow you to redeem your points on gift cards, merchandise, Amazon.ca and more. Card Benefits and Features: From automatically paying bills to adding additional cards for your employees, business credit cards offer a variety of benefits that are designed to help you run your business. Annual Fee: Some business cards have no annual fee or offer generous annual rebates in the first year during promotional campaigns. Interest Rate: Different cards can offer low interest rates. Frequently Asked Questions Can you get a business credit card with no revenue? Yes, it’s still possible for you to get a business credit card without having any business revenue. To be approved, you’ll need to list your personal income. If you have no business revenue, you can put $0 on your application’s revenue field.\r\n"}}" id="text-84795404e4" class="cmp-text">Yes, it’s still possible for you to get a business credit card without having any business revenue. To be approved, you’ll need to list your personal income. If you have no business revenue, you can put $0 on your application’s revenue field.
Does a business credit card affect your personal credit score? Most business credit cards will only report your transactions to commercial credit bureaus, which will not affect your personal credit score. However, if you consistently make late payments and other serious infractions, they will be reported and your personal credit will be negatively affected.\r\nTo keep a good personal credit score, always pay your bill on time and stay under your credit limit.
\r\n"}}" id="text-c63b3910f2" class="cmp-text">Most business credit cards will only report your transactions to commercial credit bureaus, which will not affect your personal credit score. However, if you consistently make late payments and other serious infractions, they will be reported and your personal credit will be negatively affected.
To keep a good personal credit score, always pay your bill on time and stay under your credit limit.
What is the limit on a business credit card? The credit limit on business credit cards depends on several factors such as your personal credit score, your business credit history, your business income, the industry of your business and the issuer’s own policies.\r\n"}}" id="text-d9cd9b54b0" class="cmp-text">The credit limit on business credit cards depends on several factors such as your personal credit score, your business credit history, your business income, the industry of your business and the issuer’s own policies.
How to apply for a TD Business Credit Card? After you’ve taken a look at all the TD Business Credit Cards and found the one that best meets the needs of you and your business, applying for your card is quick and easy.\r\nLog in with EasyWeb and begin the application process. Even if you’re a new TD customer, starting your application is simple.
\r\nStep 1: Choose the card
\r\nReview all of the available TD Business Credit Cards and select the card that matches your goals.
Step 2: Submit your application
\r\nComplete and submit an application online.
After you’ve taken a look at all the TD Business Credit Cards and found the one that best meets the needs of you and your business, applying for your card is quick and easy.
Log in with EasyWeb and begin the application process. Even if you’re a new TD customer, starting your application is simple.
Step 1: Choose the card
Review all of the available TD Business Credit Cards and select the card that matches your goals.
Step 2: Submit your application
Complete and submit an application online.
Share this article
X Facebook Find out more about our Credit Cards TD Business Credit CardsCompare our Business Credit Cards to find your preferred solution.
View cards View cards Discovery ToolAnswer a few simple questions and we’ll pinpoint the accounts and services that’ll help you reach your goals.
Help me choose Help me choose Have a question? Find answers here What's your question? Ask Us Popular questions Sorry, we didn't find any results. You could check for misspelled words or try a different term or question. We're sorry. Service is currently unavailable. We found a few responses for you: We matched that to: Popular questions View morepopular questions Helpful related questions View morehelpful related questions Did you find what you were looking for? YesNo Thank you We're sorry. Service is currently unavailable.Sorry this didn't help. Would you leave us a comment about your search?
Submit Thank you Back to top Find Us Help Back to topContact Us
Call us Book an appointment Give feedbackProducts
Bank Accounts Credit Cards Mortgages Loans and lines of credit Personal Investing InsuranceWays to Bank
TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange servicesBanking Advice
TD Advice TD Calculators and Tools Digital banking tutorials Fraud prevention New to Canada StudentsAbout Us
Who we are Our impact News and economics For investors Customer care Careers Privacy and Security Legal Accessibility CDIC Member About Us Careers Manage Online Experience Site IndexToronto-Dominion Centre – Corporate Office
66 Wellington Street West, Toronto, ON M5K 1A2
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
\r\n\r\nCanada Investment Regulatory Organization (CIRO)
\r\nCIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
\r\n\r\n"}}" id="text-959b1239e4" class="cmp-text">Canada Deposit Insurance Corporation
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
Canada Investment Regulatory Organization (CIRO)
CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
See you in a bit\r\n"}}" id="text-9b11cbd20f" class="cmp-text"> See you in a bit You are now leaving our website and entering a third-party website over which we have no control.\r\n"}}" id="text-333fa79c60" class="cmp-text">You are now leaving our website and entering a third-party website over which we have no control.
Continue to Site Back to TD Bank TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.\r\nThird-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
\r\n"}}" id="text-85a67fd483" class="cmp-text">TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
Site Index TD Personal Banking Personal Home My Accounts How To Today's Rates Accounts (Personal) Chequing Accounts Savings Accounts Student Account Credit Cards Aeroplan points Travel Rewards Cash Back No Annual Fee Low Rate U.S. Dollar Mortgages Loans and lines of credit Personal Investing GIC & Term Deposits Mutual Funds TFSA - Tax-Free Savings Account RSP - Retirement Savings Plan RIF - Retirement Income Options RESP - Education Savings Plan RDSP - Disability Savings Plan Precious Metals Insurance Travel Medical Insurance All Products Students New To Canada Banking Advice for Seniors (60+) Cross Border Banking Foreign Exchange Services Ways to Pay Ways to Bank Green Banking TD Advice TD Small Business Banking Small Business Home Accounts (Business) Chequing Account Savings Account U.S. Dollar Account AgriInvest Account Cheque Services Credit Overdraft Protection Line of Credit Business Credit Cards Loan Business Mortgage Canada Small Business Financial Loan Agriculture Credit Solutions TD Auto Finance Small Business Vehicle Lending Invest for your Business Advice for your Profession or Industry TD Merchant Solutions Foreign Currency Services Employer Services TD Investing Investing Home Direct Investing Accounts Commissions and Fees Trading Platforms Investment Types Investor Education TD Wealth Financial Planning Private Wealth Management Markets and Research TD Corporate About TD Investor Relations Economics Environment Diversity Supplier Information TD Newsroom Careers Other TD Businesses TD Commercial Banking TD Asset Management TD Securities TD Auto Finance U.S. Banking TD Bank Personal Banking TD Bank Small Business Banking TD Bank Commercial Banking TD Auto Finance TD Wealth Private Client Group TD Bank Personal Financial ServicesLearn about Business Credit Cards in Canada – TD Canada Trust,AI智能索引,全网链接索引,智能导航,网页索引
- This article from TD can help you understand the basics of business Credit Cards, their benefits and how they work. Learn more here with TD Canada Trust.