Discover your TD Business Select RateTM Visa* Card

To save or print a copy of this guide, download the PDF Welcome Guide.

Your new TD Business Select RateTM Visa* Card

Quick steps for getting started and making the most of your Card.

  1. Learn more about the features and benefits of your TD Business Select Rate Visa* Card by calling 1-800-983-8472 to speak with a Business Credit Card specialist.

  2. Update your Business Card as the primary card on your favourite mobile apps like auto-reloads and transportation to make everyday business purchases more convenient1.

  3. Learn how to add your business Card to Apple Pay, Google Pay or Samsung Pay, to make convenient, everyday business payments with just a tap of your device.

  4. Set up regularly recurring bill payments on your TD Business Select Rate Visa* Account with participating merchants so bills are paid automatically on their due dates. You'll save time and avoid late fees.

  5. Register for online statements on EasyWeb® Online banking to save time and stay organized.

  6. Learn more about the TD app and how to view your business credit card Account almost anywhere. Plus, you can bank at home or on the go.

  7. Earn 50% more Stars at participating Starbucks® stores. Conditions apply. Learn more

Stay on top of your Business Credit Card spending with the TD Card Management Tool

As a business owner, you have a lot on your plate. That’s why when you get a TD Business Credit Card, you also get exclusive access to the TD Card Management Tool — designed to save you time and make your day-to-day easier.

You can access and organize the information you need to help you make informed decisions about what matters most.

By separating your business and personal expenses, you can get a clear, real-time view of your spending behaviour and balances, all in one easy-to-use online tool. Plus, you can create custom reports, track your employees’ spending, adjust your credit limits and apply spend controls with the click of a button.

It’s just business, not personal

When you get a Business Credit Card with TD, you get access to the TD Card Management Tool. 

This easy-to-use tool lets you:

  • Redistribute your business’s available credit between Cardholders any time
  • Easily set restrictions on spend type, geography and thresholds of your Card
  • Have the ability to temporarily turn a Card on and off
  • View a dashboard of your key business expenses
  • Track your and your employees’ spending
  • Create numerous customizable reports with up to 18 months of business transaction data
  • Search your spending by date, amount or vendor
  • Access your balances and payment history, and more.

Take control

  • Flexibility

    Move your credit limits between your Cards anytime.

  • Self-serve

    Easy-to-use features put your finances in your hands — anytime, anywhere.

  • Faster and easier

    Simplified expense management means more time to focus on growing your business.

  • Paperless

    All your reports are conveniently organized in one place online.

Separate your business from personal spending

Don’t mix business with pleasure is a common saying, but not everyone follows that advice when it comes to their credit cards. By keeping your business expenses and personal spending separate, you can take advantage of the TD Card Management Tool.

  • Track Employees’ Usage: Ever wonder who’s spending what and where? Now you can organize spending reports by Cardholder or supplier category so you always know how your funds are being spent.
  • Watch Your Spending: The TD Card Management Tool’s dashboard makes it easy to view your expenses at a glance or take an in-depth look through category and individual Cardholder spend views.
  • Get the Added Confidence of Spend Control: As a business owner, the TD Card Management Tool makes it easy to stay in control while employees are spending on behalf of your business. With Spend Controls, you can temporarily block Cards as well as set limits on employee transactions, from the dollar amount to the geographic location to the type of transaction that’s permitted.
  • Redistribute Credit Limits: It’s never been so easy to reallocate your credit limits. Redistribute your available credit between Cardholders to meet your specific business needs with the simple click of a button.
  • Customize Reporting Periods: You can gain new insights about your business by setting reporting periods between any dates you choose — not just your billing cycle.
  • View Balance & Payment History: Delve into an archive of your balances, payments and reports to monitor changes in spending behaviour over time.

Enjoy these business advantages and more:

  • Conveniently access your TD Business Select RateTM Visa* Account online
  • Separate your business and personal spending
  • Establish a credit history in your business’s name
  • Access a range of dedicated business solutions offered at TD
  • Receive discounts through the Visa SavingsEdge* program
  • Security and protection for your Card when you shop

Dedicated business solutions

Experience you can trust, customer support you can count on and solutions that adapt as you grow. Our dedicated advisors will take the time to understand your growing business and provide knowledgeable advice and solutions that are right for you.

Additional benefits

Help and assistance

  • If your TD Credit Card is damaged or not working, you can request a replacement Card online through EasyWeb, through the TD app using your mobile device or by phone at 1-800-983-8472.
  • If your TD Credit Card has been lost or stolen, you must immediately report this to us by phone at 1-800-983-8472.
  • Fast, reliable access to cash. You can ask for an emergency Cash Advance of up to $5,000 in emergency funds (subject to your available credit limit) at over one million ATMs worldwide, at all TD branches and at select financial institutions around the world.
  • Get information when you need it. The TD Credit Card Contact Centre can help you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.
  • Stay connected to important people. In the event of an emergency, messages can be forwarded to family members at home.

Optional Business TD Auto Club Membership

With optional Business TD Auto Club Membership4, you'll know that, if a road emergency should happen, help is just a phone call away.

Explore the insurance benefits included with your TD Business Select RateTM Visa* Card

Plus, discover the optional insurance coverage available for purchase.

Purchase Security and Extended Warranty Protection5

Shop with confidence with your TD Business Select RateTM Visa* Card.

You automatically have access to Purchase Security and Extended Warranty Protection5, which covers most eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer’s warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.

Auto Rental Collision/Loss Damage Insurance6

Use your Business Card to pay for the full cost of an eligible car rental and get the Collision Damage Waiver (“CDW”) coverage at no additional cost for up to 48 consecutive days. Please note, some rental agencies may require you to buy the CDW coverage from them. It’s important to contact the rental agency before reserving a car to verify their policies.

Apply for optional Travel Medical Insurance7

As a TD Business Select RateTM Visa* Cardholder, you have the option to purchase TD Travel Medical Insurance7. You’ll enjoy:

  1. Comprehensive emergency medical coverage up to $5 million for when you're travelling outside of your province or territory, whether within Canada or internationally

  2. No out-of-pocket costs for eligible emergency medical expenses, when possible

  3. 24/7 emergency medical assistance

Apply for optional Trip Cancellation and Trip Interruption Insurance8

With Trip Cancellation and Trip Interruption Insurance8 if, due to a covered cause, you need to:

  1. Cancel your trip, we’ll help you recover your trip expense

  2. Return home early, we’ll cover the cost of your eligible return transportation

For more information about Travel Medical Insurance or Trip Cancellation and Trip Interruption Insurance, and how to enroll, click here or call 1-800-293-4941.

Choose convenience with your TD Business Select RateTM Visa* Card

Your TD Business Select RateTM Visa* Card comes equipped with features that make it easier to do business day-to-day.

Save with Avis Rent a Car and Budget Rent a Car

Save a minimum of 10% on the lowest available base rates9,10 in Canada and the U.S., and a minimum of 5% on the lowest available base rates9,10 internationally, on qualifying car rentals at participating Avis and Budget locations.

  • Avis: You can reserve your Avis car rental by visiting Quote Avis Worldwide Discount ("AWD") #C078400 at the time of reservation and charge the full rental to your TD Business Select RateTM Visa* Card.
  • Budget: You can reserve your Budget car rental by visiting Quote Budget Customer Discount ("BCD") #A331700 at the time of reservation and charge the full rental to your TD Business Select RateTM Visa* Card.

Cover business expenses with TD Visa* Cheques

Rethink what a business credit card can do. If you need to pay for a business expense that can’t be charged to a credit card, you can use TD Visa* Cheques11 anywhere cheques are accepted. The total of your TD Visa* Cheque will be processed directly to your TD Business Select RateTM Visa* Card Account as a Cash Advance.

Save time on regularly recurring bill payments

Take the stress out of remembering scheduled payments. Your Card allows you to set up regularly recurring bill payments on your Account with participating merchants. This saves time and can prevent you from being stuck with late charges on past due bills.

Ways to Pay

These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for your everyday purchases for your business.

Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s faster and more convenient than cash – and your Card never leaves your hand.

Online buying is evolving so you can pay with fewer clicks. Paying online with your TD Visa card is easy, smart, and secure. Just click to pay with your TD Visa when you see the Click to Pay  icon where Visa is accepted

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

Manage your Account, your way

Explore your TD Business Select RateTM Visa* Card security and protection

The security of your Card should always be a priority. That’s why your TD Business Select RateTM Visa* Card comes with features that help protect you when you shop online and in person.

Security Features

  1. Shop online and in person securely with Visa Zero Liability and be protected in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities, including your responsibility to protect your PIN.

  2. Shop with confidence with chip & PIN technology. Chip and PIN technology provides an added level of security through the use of a Personal Identification Number ("PIN").

  3. Purchase Security and Extended Warranty Protection5. You automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Business Card. Repair, replacement, or reimbursement should eligible items be stolen or damaged within 90 days of purchase, and Double your warranty, up to 12 additional months if the eligible item came with a manufacturer's warranty valid in Canada.

Personal Identification Number ("PIN") Security Tips

  • Choose a PIN you can remember that’s difficult to guess. Don’t use a phone number or a birthday.
  • Never write down your PIN.
  • Protect your PIN and use your hand or body to shield the keypad when you enter your PIN.
  • Never let anyone else know or use your PIN or use your Card.
  • Make transactions only when and where you feel secure. If in doubt, don’t use your Card.

Reset your PIN easily and conveniently at a TD Canada Trust Branch or 24/7 at any TD Green Machine ("ATM").

24-hour fraud protection

Our enhanced protection measures help protect you from Credit Card fraud. Should we detect unusual activity relating to your Account:

  1. You may receive a phone call from a TD Credit Card Customer Service Representative asking you to confirm that you performed a transaction on your TD Business Select RateTM Visa* Card or Account.

  2. During a transaction, a merchant may receive an electronic message requesting that they contact the TD Credit Card Contact Centre and allow you to speak with one of our Customer Service Representatives.

  3. Your Card may be temporarily blocked until we can contact you for verification.

  4. You can now automatically receive TD Fraud Alerts on your mobile phone any time we suspect unusual activity on your TD Business Select RateTM Visa* Card or on any Additional Card on your Account. Learn more.

More about your TD Business Select RateTM Visa* Card

Have a question? Find answers here