TD Business Select Rate Visa Card

The TD Business Select Rate Visa Card is an excellent choice for small business owners seeking a low-interest rate solution. Enjoy the flexibility to choose between no annual fee or a reduced interest rate for a nominal fee. This card also comes with essential business tools and benefits designed to help you manage expenses and save money, making it a valuable asset for your business.

Welcome Offer

There is no specified welcome offer for this card.

Summary

This credit card offers flexible options to suit your needs. There’s no annual fee, but you can opt for a $49 annual fee to enjoy a lower interest rate. Without the fee, the interest rates are 11.99% on purchases and cash advances. If you choose the $49 annual fee, the interest rates drop to 8.99%. Additionally, there is no supplementary card fee, making it easy to share your account with others without extra costs. This card is ideal for those looking for low rates and flexibility.

Rewards

• No specific rewards program is associated with this card.

Benefits

This credit card offers a choice between two great options: an 11.99% interest rate with no annual fee, or an 8.99% interest rate with a $49 annual fee. It also includes access to the Visa SavingsEdge program, which provides business discounts to help you save on expenses. Enjoy additional savings with Avis and Budget car rental discounts. Plus, the card is made from 90% recycled plastic, making it an environmentally friendly choice. These features combine to offer excellent value, sustainability, and convenience.

Insurance

• Auto Rental Collision/Loss Damage Insurance
• Purchase Security and Extended Warranty Protection
• Optional Travel Medical and Trip Cancellation/Interruption Insurance

Editor’s Review

TD Business Select Rate Visa* Card Review

The TD Business Select Rate Visa Card is designed for small business owners who prioritize low-interest rates and flexibility in their financial management. This card offers options tailored to meet diverse business needs, from saving on interest to providing essential business tools.

Interest Rates

• No Annual Fee: 11.99% on purchases and cash advances
• With $49 Annual Fee: 8.99% on purchases and cash advances

Rewards Program

• None: This card does not offer a specific rewards program.

Fees

• Annual Fee:
  • $0 (11.99% interest rate)
  • $49 (8.99% interest rate)
• Supplementary Card Fee: $0 (no additional cost for extra cards)

Benefits

• Visa SavingsEdge Program: Business discounts on eligible purchases
• Car Rental Discounts: Savings with Avis and Budget car rentals
• Eco-Friendly: Card made from 90% recycled plastic

Insurance Coverage

• Auto Rental Collision/Loss Damage Insurance
• Purchase Security and Extended Warranty Protection
• Optional Travel Insurance: Travel Medical and Trip Cancellation/Interruption Insurance available

General Card Overview

The TD Business Select Rate Visa Card provides small business owners with low-interest rate options and essential business benefits without the burden of high fees. It is particularly attractive for those looking to manage expenses effectively and sustainably.

Pros and Cons

Pros:

• Flexible interest rate options (8.99% or 11.99%)
• No annual fee option available
• No supplementary card fees
• Access to Visa SavingsEdge for business discounts
• Environmentally friendly card materials

Cons:

• No rewards program
• Limited premium benefits compared to other business cards
• No welcome offer

Who is this card for?

This card is perfect for:

• Small business owners seeking low-interest rates
• Businesses looking for a no-annual-fee credit card option
• Eco-conscious business owners
• Companies that can benefit from business discounts and savings on expenses

Comparison with Similar Cards

Final Verdict

The TD Business Select Rate Visa Card stands out for its flexibility in interest rates and annual fee options, making it a practical choice for small business owners focused on managing costs. While it lacks a rewards program, the business discounts and environmentally friendly design add significant value. Overall, this card scores an 8 out of 10 for its low rates, no-fee supplementary cards, and practical business benefits.

Disclaimer: Refer to the official credit card web page for the latest rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.