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TD Bank Credit Cards

Check out our special offers and find the credit card that meets your needs and has the benefits you want – like Cash Back Rewards, balance transfer offers and a credit card with a predictable minimum payment.

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Business Credit Cards

Earn 2% unlimited cash back for your business expenses – big or small – with no limits or caps, and no annual fee.*

Business Solutions credit card FAQs

You apply for a TD Business Solutions Credit Card as you would any other credit card, but the application may require more information, both personal and business. And it's important to remember, a business card can only be used for commercial or business purposes, not personal or household expenses.

To apply for a TD Business Solutions Card, you'll need the following information, and you may be asked to provide additional information as needed:

  • Personal information: Name, address, Social Security Number (SSN), phone number, email
  • Personal annual income
  • Business contact info: Phone number, email, mailing address
  • Legal name and type of business: LLC, S- or C-corp. For a sole proprietor, use the business owner's legal name
  • Business federal tax ID: If you've formally registered your business, this is your nine-digit federal employer identification number (EIN). If not, use your SSN
  • North American Industry Classification System (NAICS) industry code: The application may provide a list of NAICS codes to choose from, but research your code beforehand to have it ready
  • Business legal structure: Corporation, partnership, nonprofit, LLC, cooperative, etc. You'll include business owners/controllers as well. If you're an unregistered one-person business, it's probably a sole proprietorship
  • Business revenue: This should be your prior-year annual revenue before taxes/expenses
  • Years in business and your role: Your personal position in the business, like owner or partner

Here are some of the benefits a TD Business Solutions Credit Card:

  • Cash back on everyday business purchases, with no rotating categories or limits
  • Add employee cards at no cost, with the ability to set spending limits
  • Set up controls and reporting with Visa Spend Clarity
  • No annual fee*
  • Paperless billing and online BillPay
  • Fraud protection against unauthorized use
  • Emergency card replacement
  • Cell phone protection6

Generally, anyone who has a business can apply for a TD Business Solutions Card. This includes sole proprietors and non-profits.

Yes, while you don't need to have a business license to get a TD Business Solutions credit card, you do need to have business expenses. If you earn money under your Social Security Number through a part-time hobby or as an independent contractor and have business expenses, you can apply for a TD Business Solutions credit card. You will also need to meet the other criteria for getting the card, which varies depending on the bank or card issuer.

A small business credit card helps make your bookkeeping more efficient – plus, with the TD Business Solutions Credit Card, you can earn unlimited 2% Cash Back on your business purchases. A business card keeps your business and personal expenses separate, lets you track business expenses, and manage cash flow all in one place.

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TD Double Up Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfers and rewards program rules. If you take advantage of a 0% introductory or promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by the payment due date the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your Account Statement.

1For the TD Double Up credit cards, maximum bonus accumulation for this promotional offer is 20,000 Bonus Points, equal to $200 in the form of a statement credit. Provided your TD Double Up Card is open and in good standing, the 20,000 Bonus Points, equal to a $200 statement credit will be reflected on your Account within 6 to 8 weeks after you spend $1,500 in total net purchases within 90 days of account opening. This offer only applies to new TD Double Up Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

TD Cash Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfers and rewards program rules. If you take advantage of a 0% introductory or promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by the payment due date the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your Account Statement.

2For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is 20,000 points which can be redeemed for $200 Cash Back rewards. Provided your TD Cash Credit Card account is open and in good standing, the $200 Cash Back rewards will be reflected in the Points Summary of your Credit Card statement in 6 to 8 weeks after you spend $1,000 in total net purchases within the first 90 days of account opening. This offer only applies to new TD Cash Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

TD FlexPay Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, balance transfer rules. If you take advantage of a 0% introductory or promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by the payment due date the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your Account Statement.

‡Late fee forgiveness does not change your monthly payment requirement. Past due payments will be reported to credit bureaus subject to applicable law and standard practices. This may affect your credit score. For more information, see Terms and Conditions.

TD Clear Visa Platinum Credit Card with a $1,000 Credit Limit
*Read important Credit Card Terms and Conditions for account details. The Clear Platinum Visa Credit Card with $1,000 Credit Limit has a $10 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges.

TD Clear Visa Platinum Credit Card with a $2,000 Credit Limit
†Read important Credit Card Terms and Conditions for account details. The Clear Platinum Visa Credit Card with $2,000 credit limit has a $20 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges.

TD First Class Visa Signature Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfers and rewards program rules. If you take advantage of a 0% introductory or promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by the payment due date the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your Account Statement.

3Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net eligible purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. Groceries purchased from superstores and/or warehouse clubs may only earn 1 mile for each dollar spent.

TD Cash Secured Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

4The TD Cash Secured Credit Card can help build your credit with responsible use. TD Bank reports your account to the three major credit bureaus which can help you build or rebuild your credit if you use your credit card responsibly. Responsible use includes but is not limited to paying at least the minimum payment on time. Late payments and other derogatory activity may negatively impact your ability to build or rebuild your credit.

TD Business Solutions Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. The person applying for the account is individually liable for the payment of all balances on the account and all cards issued pursuant to this application.

5For the TD Business Solutions credit card, maximum bonus accumulation for this promotional offer is 40,000 Bonus Points, equal to $400 in the form of a statement credit. Provided your TD Business Solutions Card is open and in good standing, the 40,000 Bonus Points, equal to a $400 statement credit will be reflected on your Account within 6 to 8 weeks after you spend $3,000 in total net purchases within 90 days of account opening. This offer only applies to new TD Business Solution Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

6Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered card. Recurring payments can be set up at tdbank.com or directly with your cell phone service provider.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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