business travel card td

Exciting news for TD Rewards members

Members can earn and redeem points on vacation packages, flights, hotels, car rentals and more. Who doesn't like to save?

Sign-in using your existing TD online banking credentials.

The expedia for td program.

It's easier than ever for TD Travel or Rewards credit card holders to find and book their dream vacation on Expedia For TD.

The best part? Not only do you have the flexibility to use your TD Rewards Points to pay for all or part of your trip, but eligible TD credit cards can also earn up to 9 points for every $1 spent on travel purchases 1.

TD First Class Travel Visa Infinite * 

• 8 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/ Phone) 1
• Annual $100 TD Travel Credit on your first Eligible Travel Credit purchase of $500 that is made with Expedia For TD 2
• Birthday Bonus - earn up to 10K bonus TD Rewards Points a year (up to $50 value on Expedia For TD) 3,4
• Comprehensive Travel insurance coverage 4

TD Platinum Travel Visa *

• 6 TD Rewards Points per $1 spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car Rental Discounts 5,6,7

TD Rewards Visa *  

• 4 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car rental discounts 5,6,7

TD Business Travel Visa *  

• 9 TD Rewards Points per $1 when you book travel online, or 6 Points per $1 Spent on travel made by phone through Expedia For TD 1

Not only does Expedia For TD provide you with exclusive deals on travel , but y ou r TD points are worth more when redeeming them and you can earn TD points faster when purchasing travel with your TD credit card. 1,9  

Explore with Options

A flight to Las Vegas? How about an all-inclusive stay at a Cancun resort? A house in Banff for a ski trip? All of these are available on Expedia For TD.

No restrictions on adventure

We don't have black-out dates or seat restrictions on flights, 8  which means you're free to book anytime you want.

Redeem and earn points on:

• Flights and packages
• Hotels, vacation rentals, car rental
• Activities and cruises

And you’ll have access to Expedia benefits

Expedia’s Price Guarantee

Find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in and Expedia will refund the difference. Sign in to find out more.

Save on hotels

Exclusive offers and deals, including up to 20% off hotel stays

Fulltime support

A dedicated customer service team available 24/7 at 1-877-222-6492

How it works

Paying with TD points                        .

It’s easy to shop for travel: Find your ideal trip and pay with your TD Travel or Rewards Credit Card at checkout. On the billing page, select the amount of TD points you wish to redeem.                                                                          

200 TD Rewards Points = $1                            .            .

Every 200 points are worth $1 off travel purchases on Expedia For TD. Redemptions are made in 200-point increments, and travelers need a minimum of 200 points to make a redemption.

Use points for all or part of your trip

For example, if your trip costs $1000, use 120,000 Rewards Points (worth $600). Pay the remainder with your TD credit card and earn up to additional 8 points for every $1 spent 1,9 . That is up to 32k additional points!

Automatic credit for points redeemed

When you purchase travel using TD Rewards Points your TD credit card will be charged the full amount. The dollar value of points redeemed will be credited to your account in 3-5 business days.

Already an eligible TD cardholder?

Use your existing TD online banking credentials to sign in to Expedia For TD and find your perfect trip Sign In

Earn TD Rewards Points on bookings made with your TD Travel Rewards Credit Card and pay with points by redeeming TD Rewards Points towards all or part of your trip. Sign In

Pay for travel and everyday items with your TD Travel Credit Card to earn TD Reward Points. When you're ready, you can redeem TD points to pay for all or part of your trip.

Looking to become a TD travel cardholder?

Learn more about TD’s travel credit cards and choose the one that best matches your spending habits and travel style.

1 TD First Class Travel Cardholders earn eight TD Rewards Points for every dollar spent on travel Purchases made online or by phone through Expedia For TD. TD Platinum Cardholders earn six TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Rewards Cardholders earn four TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Business Travel Cardholders earn 9 TD Rewards Points for every dollar spent on travel purchases made online through Expedia For TD and 6 TD Rewards Points for every dollar spent on travel purchases made by phone through Expedia For TD. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

  2 In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:    • A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD;    • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking.   See your TD Rewards Program Terms and Conditions for more details.  

3 Each year, receive a TD Rewards Birthday Bonus (“Birthday Bonus”) equal to 10% of the TD Rewards Points earned while using the TD First Class Travel® Visa Infinite* over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. For the first year, we will only award the TD Rewards Birthday Bonus based on the TD Rewards Points earned from October 30, 2022, to your next birthday. Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards the Birthday Bonus. 

4 Insurance coverages are subject to conditions, limitations and exclusions. For more information, (including information on the insurer and/or administrator) please refer to the Certificate of Insurance included with your TD Credit Cardholder Agreement.

5 Rate displayed by Expedia For TD reflects the discounted offer.  No discount code needs to be applied. 

6 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code  and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

7 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

8 Subject to carrier/space availability.  9 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments. * Trademark of Visa International Service Association; Used under license.

TD Business Travel Visa* Card review

• Rates & Fees
• Eligibility

9 Earn 9 TD Rewards Points for every $1 you spend using ExpediaForTD.com

6 Earn 6 TD Rewards points for every $1 in foreign currency purchases and at restaurants and on recurring bills

2 Earn 2 TD Rewards Points for every $1 spent on all other purchases.

50% Earn 50% more TD Rewards Points at Starbucks when you link your card with your Starbucks account.

19.99% Purchase APR

22.99% Cash Advance APR

$149 Annual Fee Waived in the first year. Additional cards: $49

2.50% Foreign Transaction Fee Earn 6 TD Rewards Points for every $1 on Foreign Currency purchases

Very Good Recommended Credit Score

By Tyler Wade & Cory Santos

Updated: May 07, 2024

Play article   

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Quick Overview of the TD Business Travel Visa* Card

The TD Business Travel Visa* Card is a powerhouse for Canadian businesses, especially if you love to (or have to) travel. With a slew of benefits, from high rewards rates on Expedia bookings to comprehensive insurance coverage, it's a card that demands attention. 

Who's the TD Business Travel Visa* Card for?

The TD Business Travel Visa* Card is ideal for Canadian businesses that frequently travel. Whether you're a small business owner or a corporate executive, the card offers a range of benefits that can enhance your travel experience. From the high rewards rates on Expedia bookings to the comprehensive insurance coverage, the TD Business Travel Visa* Card is designed to meet business travel needs and provide cardholders with peace of mind while on the go.

Pros and cons

High rewards rate : Earn up to 9 TD Rewards Points per $1 on travel bookings through ExpediaForTD.com.

Flexible redemption : No blackout dates or seat restrictions.

Comprehensive insurance : From travel medical to car rental coverage.

Special offers : Lucrative welcome bonuses and limited-time offers.

Annual fee : A $149 annual fee, though it's rebated in the first year.

TD Business Travel Visa* Card welcome bonus

Before June 3, 2024, new cardholders can earn a whopping 175,000 TD Rewards Points, equivalent to a travel value of up to $875 when booked through ExpediaForTD.com.

• Welcome Bonus of 30,000 TD Rewards Points upon the first purchase.
• Earn up to 120,000 TD Rewards Points when spending $2,500 each month for the first 12 months.
• Earn up to 25,000 TD Rewards Points by setting up new regularly recurring bill payments (maximum two).
• You can earn 30,000 more rewards by becoming a TD Small Business Banking customer when you open an Every Day Business Plan (A, B, C, or TD Unlimited Business Plan between now and October 31, 2023. 
• And another 30,000 TD Rewards points if you’re approved for the TD Business Travel Visa* Card within 120 days of opening a new Business Chequing Account and process at least one transaction within the first 90 days. 
• Full Annual Fee rebate for the Primary Cardholder and first two additional cardholders for the first year (a value of up to $247). Total value of $1,240.
• Plus, TD is throwing in a 12-month Uber One membership ($120 value).

How to earn TD Rewards points with the TD Business Travel Visa* credit card

Despite the $149 annual fee, the TD Business Travel Visa* Card is a lucrative travel rewards powerhouse that provides companies with impressive rewards in a wide variety of critical business travel categories. This card shines with its earn rates:

• 9 TD Rewards Points for every dollar spent on ExpediaForTD.com bookings.
• 6 TD Rewards Points for every $1 spent on foreign currency purchases, restaurant expenses and recurring bill payments.
• 2 TD Rewards Points for every $1 spent on all other eligible business purchases.

The easiest way to redeem TD Rewards is through eligible travel bookings through Expedia for TD. Business Travel Visa account managers can use TD Rewards points towards "Book Any Way" travel bookings through Expedia for TD or opt to use points for statement credits and education credits or to purchase gift cards or merchandise.

TD Business Travel Visa* Card key benefits

The TD Business Travel Visa* Card offers a range of key benefits that make it an excellent choice for frequent travelers. With this card, you can enjoy the convenience of no travel blackouts or seat restrictions, giving you the freedom to book your travel through any agency. Additionally, you have the flexibility to use your points to cover taxes and fees on your travel bookings, making it even more cost-effective. This card truly understands the needs of business travelers and aims to provide them with a seamless and hassle-free experience.

TD Business Travel Visa* Card Insurance coverage

The TD Business Travel Visa* Card offers a robust insurance package:

• Travel medical insurance : Up to $2 million coverage for the first 15 days of your trip.
• Travel accident insurance : Up to $500,000 for covered losses.
• Trip cancellation/interruption : Up to $1,500 per person for cancellations and maximum of $5,000.
• Flight/trip delay insurance : Up to $500 towards hotel and restaurant expenses. 
• Lost or stolen baggage : Coverage up to $1,000 per trip.
• Car rental coverage : 48 consecutive days of coverage for auto rental collision/loss damage up to $65,000 MSRP.
• Purchase security : On most items for 90 days from purchase date against loss or damage. 
• Extended warranty protection : Automatically extends manufacturer’s warranty.

Extra benefits of the Business Travel Visa* credit card from TD The card also provides a suite of benefits designed to support businesses on business trips, at the office or even when planning a company get-together. Additional features of the TD Business Travel Visa* Card include:

• The Visa SavingsEdge program offers sweet deals to grow your business on brands like Amazon Business, Budget Rent-a-car, Google Ads, Constant Contact, UPS, Zendesk and more. 
• Get a free 12-month Uber One membership, valued at $120.
• Get your Starbuck ® fix - earn more at Starbucks ® by linking the card to earn 50% more TD Rewards Points and Stars.
• Save a minimum of 10% on the lowest available base rates in North America with Avis and Budget. 
• Redeem your TD Rewards Points towards business purchases at Amazon.ca.
• Access TD Card Management Tool to redistribute available credit among cardholders, set restrictions on spend type, temporarily turn a Card on or off, track employees spending with up to 18 months of business transaction data and more. 

How the TD Business Travel Visa* Card compares

The TD Business Travel Visa* Card falls into the travel and foreign transaction category. When considering such cards, it's crucial to compare features, fees and benefits to ensure you're getting the best value.

TD Business Travel Visa* Card Vs TD First Class Travel ® Visa Infinite* Card

These two cards are similar, so what sets them apart? Business perks vs. a focus on travel. The First Class card charges $139 for its annual fee, or $10 less than the Business Travel Visa*. The welcome bonus with Visa Infinite isn’t as enticing at 115,000 TD Rewards points and they charge 20.99% APR vs. 19.99% with the business travel card. On top of that, you earn eight TD Rewards Points, instead of nine, for every $1 in travel purchases. For some good news, both cards’ travel insurance packages are identical. 

The TD First Class Travel ® Visa Infinite* also gives you an annual credit of $100 when you book at Expedia for TD. And, because you’re part of the Visa Infinite Benefits program, you’ll get access to 24/7 concierge services, luxury hotel and dining experiences and more. Ultimately, pick the card that best suits your needs. 

TD Business Travel Visa* Card vs. TD ® Aeroplan ® Visa* Business Card

The TD ® Aeroplan ® Visa* Business Card’s biggest difference is Aeroplan vs. TD Rewards Points. If you love flying with Air Canada and its partner airlines, want a free first checked bag and access to the Maple Leaf Lounges in North America (though you earn one pass for every $10,000 spent), then this may be a good card for you. It charges a $149 annual fee that you can get waived in the first year. It features the same great insurance benefits, the Visa SavingsEdge program and the TD Card Management Tool. One last difference, the TD® Aeroplan® Visa* Business Card only charges 14.99% interest. 

So really, which points program would you rather have?

TD Business Travel Visa* Card Vs.CIBC Aventura ® Visa* Card for Business Plus

Another business card, a different rewards program. CIBC will waive the $120 annual fee in the first year, charge 19.99% APR and has a Visa Spend Clarity for Business to track your spending, customize payment controls and use powerful reporting tools. 

Much like the Expedia for TD program, you can book on any airline, every flight, every seat with points that don’t expire with the CIBC Rewards Centre. CIBC’s welcome bonus of 60,000 Aventura points doesn’t seem as strong as TD’s welcome bonus, but the dollar value is about the same (~$1,200). 

A significant differentiator is the lack of emergency medical insurance with CIBC. 

Is the TD Business Travel Visa worth it?

The TD Business Travel Visa* Card is a strong contender in the best business credit card category. With its massive welcome bonus (that serves as a draw to their banking products), high earn rate, great insurance coverage and business tools (TD Card Management Tool), this card stands up against some of the best. If you like the security of a big bank, a credit card you can confidently give to your employees, and want to unlock some bonuses while travelling, this card is a winner. 

TD Business Travel Rewards Visa* eligibility requirements

TD has specific requirements when applying for a business credit card. For starters, the company must be a registered and operating business in Canada. Additionally, the applicant must be a Canadian resident and of the age of majority in their province/territory of residence. While these requirements seem restrictive, it still leaves the door open to freelancers and other small or part-time proprietors to open a business credit card account.

How to switch from TD Business Travel Visa* to regular

Switching your TD business card without losing points is easy. Simply call 1-800-983-8472 and speak with customer service. If you’re switching to Aeroplan though, be sure to use up as many points as possible, even if it’s to help pay off your balance.

Is the annual fee worth it?

Given the card's travel, insurance and business benefits, the $149 annual fee is justified, especially with the first-year rebate. However, it's essential to compare its pros and cons for what your business needs.

Can I use my TD Rewards Points for non-travel expenses?

Yes, you can redeem your TD Rewards Points for purchases at Amazon.ca, retail business merchandise, gift card and even to pay down the account balance.

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.

Cory Santos is a finance writer, editor and credit card expert with over seven years of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, St. Louis Post-Dispatch, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.

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The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.

TD Business Travel Visa* Card

Reward calculator, enter your total monthly expenses or by category.

Restaurants

Bills & Utilities

Net annual rewards the 1st year

Net annual rewards in subsequent years

Requirements

Purchase protection

Purchase security for lost or stolen items within 90 days of purchase.

Medical emergency

Travel medical insurance coverage up to $2,000,000 for the first 15 days of your trip (or 4 days if you're over 65).

Trip cancellation

For trip cancellation, receive coverage up to $1,500 per person.

Trip interruption

Up to $5,000 coverage for trip interruption.

Travel accident

Common carrier travel accident insurance of up to $500,000 also applies.

Lost or stolen baggage `insurance

Any delayed or lost baggage is covered up to $1,000.

Flight delay

Flight/trip delay insurance will cover up to $500 for over 4 hours of delay.

Auto rental coverage

For rental cars, receive 48 consecutive days of coverage for auto rental collision/loss damage.

Extended warranty

Extended warranty on all purchased items.

More rewards with additional card

Add supplementary cardholders to earn more rewards, faster.

Exclusive discounts with my favorite brands

Cardholders also receive discounts of up to 25% off purchases made as part of the Visa SavingsEdge program. Save on car rentals with discounts at Avis and Budget Rent a Car, and get 50% more TD Rewards Points and Stars at Starbucks.

Similar Cards

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TD Business Travel Visa* Card

Limited Time Offer:

Earn a value of up to $1, 122 ^ in TD Rewards Points (that's up to 175,000 TD Rewards Points) ^ with no Annual Fee in the first year ^ . Conditions Apply. Account must be opened by June 3, 2024.

Earn up to 175,000 TD Rewards Points ^ for the first year from Account opening (a travel value of up to $875 when you book travel Purchases through ExpediaForTD.com ^ ) and get full Annual Fee rebates for the first year for the Primary Cardholder and first two Additional Cardholders ^ (a value of up to $247 ^ ). That’s a total value of $1,122 ^ . Conditions Apply. Account must be opened by June 3, 2024.

• Earn a Welcome Bonus of 30,000 TD Rewards Points when you make your first Purchase ^ with your new Card
• Earn up to 120,000 TD Rewards points when you spend $2,500 in Purchases each month for the first 12 months of Account opening ^ .
• Plus, earn up to 25,000 TD Rewards points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening ^ .
• Get an Annual Fee rebate for the first year for the Primary Cardholder and two Additional Cardholders ^ . Additional Cardholders must be added by June 4, 2024.
• Earn an additional 60,000 TD Rewards Points when you spend $5,000 in the first 3 months of account opening ^
• Plus, earn up to 40,000 TD Rewards points by setting up new regularly recurring bill payments (maximum two)
• Earn 9 TD Rewards Points ^ when you book travel online through ExpediaForTD.com ^ using your Card
• Earn 6 TD Rewards Points ^ for every $1 you spend on Foreign Currency Purchases using your Card when making foreign exchange Purchases.
• Earn 6 TD Rewards Points ^ for every $1 you spend on regularly recurring bill payments and Restaurant Purchases made on your card
• Earn 2 TD Rewards Points ^ for every $1 you spend on business purchases made using your Card

How to Redeem:

• Travel Accident Insurance
• Trip Interruption/ Cancellation Insurance
• Travel Medical Insurance
• Rental Collision/ Loss Damage Insurance
• Flight Delay Insurance
• Baggage Insurance
• Extended Warranty
• $49.00 for the first Additional Cardholder. $0 for subsequent Additional Cardholders.
• There is a 21-day interest grace period on all new purchases

^ Terms and Conditions apply.

All trade-marks are the property of their respective owners.

* Trademark of Visa International Service Association and used under license.

® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Last updated 03/25/2024. Check with the credit card issuer for the most up-to-date information before applying.

Find errors in the information for this credit card? Report this listing.

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Best TD Business Credit Cards

Steven brennan.

Why you can trust us

The team at WealthRocket only recommends products and services that we would use ourselves and that we believe will provide value to our readers. However, we advocate for you to continue to do your own research and make educated decisions.

The right credit card can help Canadian business owners take charge of their finances. From managing cash flow to building credit history, a business credit card can be a real asset. And importantly, it can also help keep personal and business expenses separate.

If you’re in the market for a TD business credit card, you’ve got several options. Knowing which card best fits your needs can be a challenge, especially if your business is growing fast.

Read on to discover which of these TD credit cards are best for your business.

TD Business Cash Back Visa Card

• Welcome bonus None
• Annual fee $0
• Interest Rates Purchases: 19.99%, Cash Advances: 22.99%
• Recommended Credit Score 660 - 724

TD Aeroplan Visa Business Card

• Welcome bonus 10,000 Aeroplan points when you make your first purchase
• Annual fee $149 (first year waived)
• Interest Rates Purchases: 19.99%, Cash advances: 14.99%
• Recommended Credit Score 725 - 759

TD Business Travel Visa* Card

• Welcome bonus 30,000 TD Rewards Points when you make your first purchase
• Interest Rates Purchases: 19.99%, Cash advances: 22.99%
• Recommended Credit Score 760 - 900

In This Article

Best td business credit cards, what is a business credit card, how to get a business credit card, when should i use a business credit card.

• Earn 60,000 TD Rewards points after spending $5,000 within the first three months of account opening, and another 60,000 points when you spend $2,500 a month for the first 12 months. Must apply by May 28, 2023.
• Earn TD rewards points from everyday business purchases, including retail business merchandise via TDRewards.com . Redeem on travel expenses, Amazon.ca, or put toward your balance
• Earn 9 TD Rewards Points when booking travel through ExpediaForTD.com ; 6 points for every $1 spent in a foreign currency, at a restaurant, and on recurring bill payments; and 2 points for every $1 spent on all other eligible business purchases
• $49 for additional cards
• No travel blackout dates

Most Ideal For

Those who travel often or have high net purchases on travel.

Less Ideal For

Those who won’t spend enough on credit to earn rewards points.

• Earn an extra 20,000 Aeroplan points when you spend $5,000 within the first three months and an extra 30,000 when you spend $2,500 a month for the first 12 months
• Earn Aeroplan points on eligible business purchases, travel with Air Canada and more. Redeem on travel, hotels, office supplies, and everyday business expenses
• Earn 2 Aeroplan points on every dollar spent directly with Air Canada, on eligible purchases
• Earn 1.5 Aeroplan points on every dollar spent on eligible travel, dining and business categories, such as qualifying car rentals and internet bill payments
• Annual fee rebate up to $247 for the first year, with up to two additional cardholders

Those who travel often with Air Canada.

Those who don’t rack up a lot of travel miles.

• Earn 2% in Cash Back Dollars on eligible office supply and gas purchases
• Earn 2% in Cash Back Dollars on recurring bill payments
• Earn 0.5% in Cash Back Dollars on all other purchases. Cash Back Dollars will be annually credited to your account for spending.
• No expiration on Cash Back Dollars as long as your account is open and in good standing
• Access online reporting and take advantage of TD business banking tools for budgeting

Those looking to generate cash back on business expenses.

Businesses with high expenditure that could benefit from a comprehensive rewards program.

TD Business Select Rate Visa Card

• Annual fee $49 (optional)
• Interest Rates No annual fee: 11.99% on purchases and cash advances, Annual fee: 8.99% on purchases and cash advances
• Fixed low interest rate allows businesses to shop with confidence
• Access lower rates for paying annual fee
• 21-day grace period on all new purchases when your balance is fully paid prior to your monthly billing period
• Enjoy car rental collision and loss damage insurance for up to 48 consecutive days when you pay using your card
• Access to the TD Card Management Tool for online banking

Those strictly interested in the lowest interest rate available.

Those seeking a card with extensive benefits and rewards programs.

A business credit card is a credit card intended for business owners. These cards can help owners improve the organization of their businesses’ finances, especially when it comes to taxes and bookkeeping.

Business credit cards can also help fund everyday business expenses without the owner having to dip into their personal finances or use a personal credit card . For businesses with high upfront costs, or those struggling with expense management, they can be extremely helpful.

Applying for a business credit card isn’t difficult, but you will need to provide more documentation compared to a personal card application. You can usually apply online, and in addition to proving your financial suitability, you’ll also have to document essential details about your small business.

For example, during the application process for any TD business credit card, you’ll be asked to provide your Master Business Licence. You may also need to show a history of your businesses’ financial statements.

One of the biggest advantages of using a business credit card is it allows owners to easily separate personal spending from business purchases. They are also intended to help cover costs when cash is low, or when unexpected business expenses crop up.

Steven is a finance content writer based in Vancouver, B.C. He enjoys writing about many aspects of personal finance, including credit, loans, banking, and investments.

Frequently asked questions

Depending on which TD business credit card you apply for, you will need a good to excellent credit score (660 – 724, according to Equifax).

TD does not currently offer a secured business credit card. However, there is a TD secured credit card for personal spending, which might be a viable alternative.

Most business accounts can qualify for credit cards if the business owner has a good credit score.

Depending on which TD business credit card you apply for, you will need a good to excellent credit score (660 - 724, according to Equifax).

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Expedia for TD Review: What You Need to Know

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Put TD Rewards points to work through the Expedia for TD platform, an Expedia portal exclusively for TD credit cardholders that offers the highest redemption value possible for hard-earned TD points.

How does Expedia for TD work?

Is it worth getting expedia for td.

• How to earn TD rewards

How much are TD Rewards points worth?

How to redeem your points on expedia for td, does expedia for td price match, how to log in to expedia for td, pros and cons of expedia for td.

Expedia for TD is an Expedia platform for TD Bank credit cardholders.

TD cardmembers log into the Expedia for TD platform to browse travel deals and redemption options, which include vacation packages, accommodations, exclusive deals and more. TD points are worth more when redeemed through the Expedia for TD platform. Purchasing travel through the platform with a TD credit card earns accelerated TD points.

Expedia.ca vs. Expedia for TD

Expedia.ca is an online travel agency that can be used to book airfare, cruises, hotel accommodations, car rentals and more. 

Expedia for TD is an Expedia platform exclusively for customers with credit cards that earn TD Rewards. TD cardholders who earn cash back or Aeroplan points with their cards can’t access the platform.

Other notable differences between Expedia for TD and Expedia.ca? The former offers accelerated TD Rewards points for money spent on travel purchases through Expedia for TD and a dedicated support team for TD customers, while the latter does not. 

Outside this, Expedia for TD is not unlike its parent platform, Expedia.ca. Cardholders can browse and book flights, hotel stays, car rentals, cruise tickets and more.

TD Rewards points are most valuable when redeemed through Expedia for TD. The platform, accessed at expediafortd.com, also offers an accelerated earn rate of up to 9 TD Rewards points per $1 spent on travel bookings. 

Additional Expedia for TD perks include its price-matching policy on hotels and travel packages and dedicated 24-hour customer support. There are a couple of drawbacks, though. The platform is only for TD credit cardholders who earn TD Rewards points. Plus, there are limitations to Expedia for TD’s price matching — time restrictions apply, and refunds are only issued on flight and hotel packages.

How to earn TD rewards 

Some TD credit cards earn TD Rewards points. Earn rates vary.

TD credit cards that earn TD rewards

The following TD credit cards earn TD Rewards points:

• TD Rewards Visa Card. 
• TD Platinum Travel Visa Card.
• TD First Class Travel Visa Infinite Card.
• TD Business Travel Visa Card. 

For those interested in earning the most TD Rewards Points per dollar, the TD First Class Travel Visa Infinite Card and the TD Business Travel Visa Card carry the highest earn rates. This makes them the best cards for individuals and businesses, respectively.

TD credit cardholders will get the most bang for their buck by redeeming their TD Rewards points through Expedia for TD.

Expect to get around 0.25 to 0.5 cents per TD Rewards point, according to NerdWallet analysis.

The value of TD Rewards points varies depending on the redemption method, but TD Rewards points are at their most valuable when used to redeem travel offers through the Expedia for TD portal. Cardholders can expect to get 0.5 cents per TD Rewards point for travel purchases made through Expedia for TD. 

Cardholders must have at least 200 TD Rewards Points — worth $1 — to make a redemption through the Expedia for TD portal. 

To redeem your TD points on the Expedia for TD platform:

• Register your TD Rewards account on TD’s website. 
• Log into Expedia for TD with your username and password. 
• Find the travel offer you’d like to purchase. 
• Book your offer through the online Expedia for TD portal or by phone.
• Redeem your TD Rewards Points when you book.

Expedia for TD redemption options

The Expedia for TD booking portal offers numerous redemption options: 

• Car rentals.
• All-inclusive vacations.
• Train travel.

How to maximize TD Rewards points

Even if your TD points don’t entirely cover the cost of your booking through the Expedia for TD portal, paying the difference with your TD credit card earns you accelerated points — which gets you closer to another free or discounted travel experience.

Let’s say you book a $500 Air Canada round-trip flight to the Dominican Republic through the Expedia for TD portal. You use 50,000 TD Rewards points towards the booking. This reduces the cost of your trip by $250. You put the outstanding $250 balance on your TD credit card.

Since you can earn up to 9 TD Rewards points for $1 spent through the Expedia for TD portal, the $250 you put on your TD credit card earns you 2,250 TD Rewards Points — which is a value of $11.25 back in your pocket. 

Looking for a travel rewards credit card?

We compared the best options in Canada.

Yes. Customers can take advantage of price matching through the Expedia for TD portal — also called Expedia’s Price Guarantee.

How does price matching work?

Expedia will refund the difference if you find cheaper travel packages or accommodations after booking through the Expedia for TD portal. But there are two important caveats. Expedia will only issue a refund if you find:

• A less expensive flight and hotel package within 24 hours of booking. 
• A cheaper hotel rate up to 48 hours before check-in.   

Pros and cons of Expedia for TD price matching

• Get refunded the difference between your booking and a cheaper travel deal.
• Limited to hotel stays and flight and hotel packages.
• Time restrictions apply. 

Once you’ve registered your TD Rewards account on TD’s website, you can log in to Expedia for TD from:

• tdrewards.com.
• expediafortd.com.

Expedia for TD customer service 

Expedia for TD has a dedicated support team for TD credit cardholders. The team can be reached by phone at 1-877-222-6492 24 hours a day. 

3 tips for using Expedia for TD

Make the most of your TD Rewards points and the Expedia for TD platform with the following tips:

1. Book through Expedia for TD instead of TD’s “Book Any Way.”

Your TD Rewards points are worth 0.5 cents per point when redeemed for travel purchases booked through Expedia for TD. You can also book travel experiences through third-party travel websites and agencies — what TD calls its “Book Any Way” redemption option — but your points won’t go as far. Expect to receive 0.4 cents per point for the first $1,200 of any Book Any Way travel redemption request, and 0.5 cents per point for any amount over $1,200 for the same Book Any Way travel redemption.

2. Use your TD credit card to cover outstanding expenses from Expedia for TD bookings.

You’ll earn TD Rewards points at an accelerated rate when you use your TD credit card to cover outstanding expenses on the Expedia for TD platform. Different cards earn points at different rates:

• TD Rewards Visa earns 4 TD points for every $1 spent on travel purchases through the platform. 
• TD Platinum Travel Visa earns 6 TD points for every $1 spent on travel purchases through the platform.
• TD First Class Travel Visa Infinite earns 8 TD points for every $1 spent on travel purchases through the platform.
• TD Business Travel Visa earns 9 TD points for every $1 spent on travel purchases booked online and 6 TD points for every $1 spent on travel purchases booked by phone through the platform.

3. Don’t wait to shop around.

Expedia for TD will only honour its price-matching policy under specific circumstances. If you’ve booked a flight and hotel package, you have just 24 hours to submit a refund request to Expedia for TD if you find a cheaper package. Hotel bookings have a more generous timeframe: Expedia for TD will issue a price-matching refund up to 48 hours before check-in.

• Redeem TD Rewards points for flights, hotel stays, car rentals, cruise tickets and more. 
• Earn up to 9 TD Rewards points for every $1 spent on travel purchases through Expedia for TD.
• Receive an annual $100 travel credit when booking through Expedia For TD. (Limited to TD First Class Travel Visa Infinite Cardholders).
• Take advantage of Expedia’s price-matching policy to secure the lowest rates for hotels and hotel/flight packages.
• Dedicated Expedia For TD support team available 24 hours a day.
• Limited to TD credit cardholders who earn TD Rewards. 
• Price matching limitations apply.

Frequently asked questions about Expedia for TD

TD points never expire so long as you remain a TD cardholder with an account in good standing. If you don’t earn or redeem any TD Rewards points for at least one year, your account will be deemed inactive. At this time, TD may close your account and offer you the opportunity to redeem your TD Rewards points by a specified date.

There’s no cost associated with accessing the Expedia for TD platform. The travel package options on Expedia for TD are no different than those offered on Expedia.ca, but only certain TD credit cardholders can gain access to it.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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TD First Class Travel Vs. TD Aeroplan: Which Is Better?

Published: Jun 20, 2024, 3:26pm

Table of Contents

What is td first class travel, earning rewards, what is td aeroplan, td first class travel vs td aeroplan: which to choose, td first class travel and td aeroplan cards comparison, td first class travel vs. td aeroplan.

One bank, two rewards programs. If you’re looking for a travel rewards card with TD Bank, you’ll have the choice between one of the many TD Aeroplan cards they offer and a TD First Class Travel Visa Infinite. But how do you know which one will benefit you the most? We break down the differences between these two types of travel cards.

Featured Partner Offer

TD® Aeroplan® Visa Infinite Privilege* Card

On TD’s Website

Welcome Bonus

Up to $2,700 in value† including up to 75,000 Aeroplan points†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

American Express® Aeroplan®* Card

On American Express’s Secure Website

Up to 50,000 Aeroplan points

Regular APR

30% (charge card)

• TD® Aeroplan® Visa Infinite* Card

Up to $1,000 in value† including up to 40,000 Aeroplan points†

Credit Score Description

Good/Excellent

TD First Class Travel isn’t really the name of a rewards program with TD. Rather, it refers to a specific credit card TD issues: the TD First Class Travel Visa Infinite . This card and several others from TD earn TD Reward points.

TD Reward points are exclusive to TD and are specifically linked to TD credit cards , meaning you won’t find them anywhere else. TD Reward points use a fixed-value points system, ensuring they can be redeemed consistently across various redemption options. This feature makes them good for covering incidental travel expenses like boutique hotel bookings, vacation rentals and other travel-related expenses.

How Many TD First Class Travel cards does TD offer?

TD only offers one TD First Class Travel card: the TD First Class Travel Visa Infinite Card.

It does offer a few other credit cards that earn TD Rewards points, including:

• TD Platinum Travel Visa
• TD Travel Rewards Visa
• TD Business Travel Visa

TD First Class Travel Rewards

Pros of td first class travel.

• Earn up to 8 points per dollar on select spending
• Points can be redeemed through multiple travel booking sites, including Expedia for TD
• Includes travel insurance

Cons of TD First Class Travel

• TD Rewards points are exclusive to TD Bank
• Must earn either $60,000 in annual personal income or $100,000 in annual household income to be eligible for this card

Redemption Options for TD First Class Travel

TD Rewards points can be redeemed for Amazon.ca purchases, Starbucks Rewards Stars and gift cards. You can also redeem TD Rewards points for travel bookings, like flights , hotels and car rentals, on any site through the TD Book Any Way option on any travel booking website or on Expedia For TD. You can also use your TD Reward points for a statement credit or for continuing education credits.

TD Aeroplan refers to credit cards issued by TD Bank that earn  Aeroplan points. Aeroplan was originally designed as a loyalty program for Air Canada customers but changed hands several times over the years. 2018 Air Canada repurchased the program and reintroduced it in 2020.

Following its relaunch, Aeroplan focused on flexible rewards and expanded, adding a wide range of airline and retail partners to its network and removing fuel surcharges. Aeroplan credit cards are issued by TD Bank but are also issued by CIBC and American Express .

How Many TD Aeroplan cards does TD offer?

TD currently offers four Aeroplan credit cards:

• TD Aeroplan Visa Infinite
• TD Aeroplan Visa Platinum
• TD Aeroplan Visa Infinite Privilege
• TD Aeroplan Visa Business

TD Aeroplan Rewards

Pros of td aeroplan.

• Generous welcome bonus
• Points can be used for various items, including travel, merchandise, gift cards, and statement credit.
• Many partner retailers earn more points
• Business card option
• Cards include other travel perks, like travel insurance

Cons of TD Aeroplan

• The most benefits for redemption are with Air Canada
• All TD Aeroplan cards have an annual fee
• Lower earn rates than the TD First Class Travel card.
• Some Aeroplan cards have income eligibility requirements.
• You must fly Air Canada when redeeming Aeroplan Points.

Redemption Options for TD Aeroplan Credit Cards

Aeroplan points can be used for everything from booking flights and vacations with Air Canada to flights on partner airlines, hotel rooms, and car rentals. You can also redeem your Aeroplan points for merchandise, gift cards, and statement credit.

In order to take a closer look and help us choose between choose a TD First Class Travel Visa and a TD Aeroplan card, let’s review some of the facts.

Best for frequent flyers

Td first class travel® visa infinite* card.

Up to $700 in value†, including up to 75,000 TD Rewards Points†

$139 (fee rebated in the first year)

Think of the TD First Class Travel Visa Infinite Card as a cheaper step down from its higher-flying cousins on this list. Packed with travel benefits, but lacking a heavyweight rewards program, this card is really aimed at frequent fliers rather than high spenders who also like to travel.

• High earn rate for rewards with Expedia.
• Exclusive travel benefits.
• Expensive annual fee.
• Low annual net rewards earnings for average spenders.
• Earn up to $700 in value†, including up to 75,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
• Get an annual TD Travel Credit † of $100 when you book at Expedia ®  For TD.
• Get an Annual Fee Rebate for the first year†.
• To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.
• This offer is not available for residents of Quebec.
• † Terms and conditions apply.

Best for earn rates

Thanks to the TD Aeroplan Visa Infinite Card ’s robust Aeroplan rewards program, cardholders can earn roughly twice what they’d net through any of the other cards on this list, although its travel insurance coverage leaves something to be desired.

• Great rewards program earnings
• Plenty of perks, including comprehensive travel insurance and a NEXUS rebate
• High annual fee
• Earn up to $1,000 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Account must be approved by September 3, 2024.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
• Enroll for NEXUS and once every 48 months get an application fee rebate†.
• Plus, share free first checked bags with up to 8 travel companions†.
• This offer is not available to residents of Quebec.

Best For Aeroplan Points with Low Annual Fee

Td® aeroplan® visa platinum* card.

Up to $500 in value†

$89 (first year of annual fee rebated)

The TD Aeroplan Visa Platinum Card shares many lots of the same features seen in premium cards that cost five times the annual fee. However, it does lack a bit in the insurance department.

• Decent travel and consumer protection benefits
• Allows cardholders to earn Aeroplan Points twice
• Low annual fee that’s rebated the first year
• Lower insurance coverage than other Aeroplan cards
• Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
• Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†.
• Get an annual fee rebate for the first year†.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.

Best For Exclusivity

True to its name, the TD Aeroplan Visa Infinite Privilege Card is exclusive and expensive, but brings to bear a broad array of perks and benefits, along with a surprisingly accessible credit score threshold.

• Extensive travel perks, insurance and consumer protections
• Low credit score threshold for such a powerful card
• The most expensive annual fee on the list
• Requires minimum personal income of $150,000 a year or $200,000 in annual household income
• Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
• Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
• Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
• Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• †Terms and conditions apply.

Best Aeroplan Card for Business Owners

Td® aeroplan® visa* business card.

Up to 65,000 Aeroplan points

This card is a must for business owners , especially those who travel. With exclusive perks and benefits starting at the airport, insuring you at take-off  and at your destination with a robust travel insurance package and even providing discounts when you rent a car, you’ll feel like someone’s rolling out the red carpet for you on every business trip.

• High earn rate, especially on essential categories for business
• Travel perks like travel insurance and priority check-in and boarding
• $149 annual fee
• Limited travel benefits compared to other premium cards
• Limited acceptance outside of Aeroplan and Air Canada partners
• Earn up to $1,850 in value† including up to 65,000 Aeroplan points, no annual fee for the first year, and additional travel benefits†. Accounts must be opened by January 3, 2024.
• Get an annual fee rebate for the first year for the primary cardholder and two additional cardholders†.
• Share free first checked bags and get access to Maple Leaf Lounges†.
• Earn 2 points for every dollar spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
• Earn 1.5 points for every dollar you spend on eligible purchases for travel, dining and select business categories such as shipping, internet, cable and phone services made on your Card.
• Earn 1 point for every dollar you spend on all other eligible purchases on your Card.
• Earn 50% more points at Starbucks when you link your TD card with your Starbucks® Rewards account.

With this in mind, the decision comes down to how you want to book travel, what you’re using the card for, what the decision comes down to is how you want to book travel, what you’re using the card for and how you like to redeem your points.

If you prefer to book travel through Expedia or other platforms, you’re better off choosing the TD First Class Travel card. If you prefer to book through Air Canada, you’ll likely get more value from an Aeroplan card.

The TD First Class Travel Visa Infinite Card is better if you prefer to redeem points for Amazon purchases or at Starbucks. However, if you’d rather redeem points for merchandise, an Aeroplan card might be worth considering.

That said, if you plan to use this card for business purposes, the TD Aeroplan card is best since the TD First Class Travel Visa Infinite is a single card you’re planning to use this card for business purposes, the TD Aeroplan card is best since the TD First Class Travel Visa Infinite is a single card and is meant for individuals, not businesses.

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Business credit cards are a popular option for entrepreneurs who need short-term financing to help start or grow their businesses.

The best business credit cards provide a revolving line of credit you can use for any business-related need. Use them for working capital, inventory or to cover your business travel costs. These cards also come with additional features, such as generous rewards programs, expense tracking and money-saving perks.

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• Best business card for reward category flexibility:  American Express® Business Gold Card
• Best business card for large purchases:  Ink Business Premier® Credit Card
• Best business card for flat-rate cash back:  American Express Blue Business Cash™ Card
• Best business card for luxury travel perks:  The Business Platinum Card® from American Express
• Best business card for fair credit:  Revenued Business Card
• Best business card for flexible travel redemption:  Ink Business Preferred® Credit Card
• Best for annual cash bonus:  Capital One Spark Cash Plus
• Best business card for travel perks and credits:  Capital One Venture X Business Rewards Credit Card
• Best for Hilton benefits:  The Hilton Honors American Express Business Card
• Best business card for Bank of America customers:  Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
• Best business card for easy rewards redemption:  Capital One Spark Miles for Business
• Best for United airline benefits:  United℠ Business Card
• Best for potentially high credit limit: Capital on Tap Business Card

Additional options:

• Best for no foreign transaction fee: Capital One Spark Classic for Business
• Best business card for automatic bonus categories: U.S. Bank Business Leverage® Visa Signature® Card
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Best for earning rewards on office expenses

Ink Business Cash® Credit Card

Bankrate score

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Intro offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.

Earn up to $750 bonus cash back

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program , showing you how much your points or miles are worth in dollars.

Rewards Rate

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Regular APR

18.49% - 24.49% Variable

• 5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn

What we love: Few cash back business cards offer such a high rewards rate on office expenses. Even though the card’s maximum cash back rate only applies to the first $25,000 spent in each bonus category each account anniversary year (then 1 percent), the sign-up bonus, redemption value and additional perks all help make this a standout option for business owners looking for maximum value without paying an annual fee. Learn more: How the Ink Business Cash can earn you high rewards on your business needs Alternatives: If most of your monthly business expenses go beyond routine office supplies, you may find that a flat-rate card like the Ink Business Unlimited® Credit Card offers more value and still has additional Chase perks.

• The value of the sign-up bonus is superb for a card without an annual fee.
• The card’s rewards are generous and the categories are useful for small- and mid-sized businesses.
• The card’s bonus cash back has a spending cap, which might limit the card’s usefulness for larger business budgets.
• There’s no intro APR on balance transfers, which hurts the card’s up-front value for business owners who want to pay down debts.
• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Best for no balance transfer fee

Capital One Spark Cash Select for Excellent Credit

• Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions.

18.49% - 24.49% (Variable)

• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• 1.5% Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions

What we love: The Capital One Spark Cash Select for Excellent Credit is not just a great no-annual-fee card but also an excellent card for transferring balances at no additional cost. It’s a rewarding, low-cost choice for businesses that meet the credit requirements and want a card with flexible utility. Learn more: Why I love the Capital One Spark Cash Plus credit card Alternatives: If the credit score requirement for the Spark Select is a bit too high, the Brex 30 Card could be a good alternative. Not only does it not require a credit history, but it also doesn’t require a personal guarantee, while offering rewards and a potentially high credit limit. 

• You can get an upgraded welcome bonus of $750 when you spend $6,000 within the first three months of account opening.
• You can also earn boosted cash back on hotels and rental cars when you book them through the Capital One Travel portal.
• Other business cards have higher flat cash back rates, even for excellent credit.
• The card lacks transfer partners, limiting its redemption options compared to top competing business cards.
• Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions

No annual fee

• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Rewards won't expire for the life of the account
• Redeem your cash back rewards for any amount
• Free employee cards, which also earn unlimited 1.5% cash back on all purchases
• $0 Fraud Liability for unauthorized charges

Best for large welcome offer

Ink Business Unlimited® Credit Card

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening

Earn $750 bonus cash back

Earn unlimited 1.5% cash back on every purchase made for your business.

• 1.5% Earn unlimited 1.5% cash back on every purchase made for your business

What we love: The Ink Business Unlimited is a simple, no-annual-fee option that’s perfect for business owners who don’t want to be bothered with ever-changing bonus categories. You earn unlimited cash back on all purchases and get the valuable benefit of an intro APR offer on purchases. Learn more: Is the Ink Business Unlimited worth it? Alternatives: If you like the Ink Business Unlimited® Credit Card but balk at the welcome offer requirements, the Capital One Spark Cash Select for Excellent Credit offers the same solid rewards rate, but its sign-up bonus comes with a much lower spending requirement.  

• The rewards program is straightforward and rather generous for a no-annual-fee card.
• You can pool and transfer rewards for extra value if you have a Chase Ultimate Rewards card.
• Depending on your business spending habits, you might be able to earn more rewards with a bonus category credit card.
• This card lacks an intro APR offer on balance transfers, which is a detriment if you need to pay down card debt.
• Earn unlimited 1.5% cash back on every purchase made for your business
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases

Best for no annual fee

The Blue Business® Plus Credit Card from American Express

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 Membership Rewards® points

• Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

18.49% - 26.49% Variable

• 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
• 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

What we love: This Amex business card has an impressive flat rate on up to $50,000 in purchases each year. It’s even more valuable thanks to the lack of an annual fee and Amex’s Membership Rewards program, which provides exceptional value for travel redemptions. The card is a great fit for small businesses with limited revenue, such as sole proprietorships and startups, that still want a card that provides strong value. Learn more: Amex Blue Business Cash vs Amex Blue Business Plus Alternatives: If your business has high monthly expenses, you may get more value from the Capital One Spark Cash Plus, which also offers flat-rate rewards on purchases, but doesn’t impose spending caps. 

• The card’s rewards are generous for a no-annual-fee card.
• You’ll have access to Expanded Buying Power, a flexible financing option that lets you potentially spend more than your card limit if needed.
• Your bonus rewards are subject to a cap, which may limit the card’s value if you run a business with large expenses.
• It charges a foreign transaction fee, which can make spending with international merchants expensive.
• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• Terms Apply

Best for reward category flexibility

American Express® Business Gold Card

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Earn 70,000 points

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. 1X is earned for other purchases. **.

19.49% - 28.49% Variable

• 4X Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• 3X Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• 1X 1X is earned for other purchases. **

What we love: American Express offers a high rewards rate on six valuable, business-oriented categories with this card, making it easy for small businesses to maximize their card rewards in pace with business spending needs. And with American Express's impressive list of airline transfer partners, it's an especially great card if you'd like to redeem your rewards for travel. Learn more: Is the Amex Business Gold card worth it? Alternatives: If you like the idea of flexible reward categories but don’t want to deal with the Amex Business Gold Card’s annual fee, the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card offers similar flexibility at no annual fee.

• The card earns a generous return on some prime business-centric bonus categories.
• It offers access to several useful business expense management tools.
• The card’s highest bonus cash back category is subject to a cap, which you might find limiting, depending on your spending.
• The $375 annual fee may prove difficult to offset with the card’s niche statement credits.
• Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Best for large purchases

Ink Business Premier® Credit Card

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

$1,000 Cash Back

Unlimited 5% total cash back on travel purchased through Chase Travel℠. Unlimited 2.5% total cash back on purchases of $5,000 or more. Unlimited 2% cash back on all other business purchases.

Flex for Business Variable APR: 19.49% - 27.49%

• 5% Unlimited 5% total cash back on travel purchased through Chase Travel℠
• 2.5% Unlimited 2.5% total cash back on purchases of $5,000 or more
• 2% Unlimited 2% cash back on all other business purchases.

What we love: On top of a generous flat rate on all your purchases, you can earn an even higher cash back rate on purchases of $5,000 or more. This makes this Chase business card a top choice for small-business owners with larger budgets and expenses that fall outside of the typical bonus rewards categories available on other business cards. Learn more: Ink Business Premier benefits guide Alternatives: A rewards card with tiered categories may be better if your business spending is more aligned with specific business purchases. For example, the Ink Business Cash® Credit Card charges no annual fee and offers a higher cash back rate on office supply store, internet, cable and phone service purchases.

• It offers one of the highest flat rates available if you meet the requirements: 2.5 percent cash back on all large purchases of $5,000 or more.
• The card comes with a high sign-up bonus that’s more accessible than comparable offers.
• The card lacks bonus categories with boosted rates, which are increasingly common on flat-rate cash back cards.
• The high annual fee can cut into your reward earnings.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
• The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
• Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
• There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.

Best for flat-rate cash back

The American Express Blue Business Cash™ Card

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

$250 statement credit

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. 1% cash back on all eligible purchases after spending $50,000 per calendar year.

• 2% Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
• 1% 1% cash back on all eligible purchases after spending $50,000 per calendar year.

What we love: Offering flexible financing options and solid flat-rate rewards (albeit subject to an annual cap), the American Express Blue Business Cash Card is decidedly well-rounded for a no-annual-fee business card. If you love earning straightforward cash rewards on purchases and can stay under the yearly spending limit, you could earn more cash back with this card than the typical flat-rate business credit cards. Learn more: Amex Blue Business Cash Card benefits guide Alternatives: Small businesses that prefer the value of points over the convenience of cash back may prefer The Blue Business® Plus Credit Card from American Express . You can transfer Amex Membership Rewards points to hotels and airline partners, often boosting their value beyond what you can earn on a typical cash back business card. 

• This card offers reliable cash back and a solid intro APR on purchases.
• You can access Expanded Buying Power, a flexible financing option that lets you potentially spend more than your credit limit typically allows.
• The 2 percent cash back rate is capped to your first $50,000 in purchases per year, then drops to 1 percent.
• This card offers no intro APR on balance transfers, which would’ve been a nice addition if you need to pay off existing card debt.
• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

Best for luxury travel perks

The Business Platinum Card® from American Express

Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Earn 150,000 points

5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com. Earn 1.5X on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. 1X points for each dollar you spend on eligible purchases.

• 5X 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
• 1.5X Earn 1.5X on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• 1X 1X points for each dollar you spend on eligible purchases.

What we love: Despite the high annual fee, this is one of the best business travel credit cards on the market. On top of the generous rewards and welcome offer, business travelers can access over 1,400 airport lounges worldwide with this card and take advantage of hundreds of dollars worth of statement credits on business and travel spending. Learn more: Why these business travelers love the Amex Business Platinum Alternatives: The American Express® Business Gold Card may be a better match if your business requires little traveling. Not only will you spend a lot less on annual fees, but you stand to earn a higher rewards rate on your top expense categories. 

• The card touts an enormous welcome offer and hundreds of dollars worth of statement credits.
• Key card benefits include bonus rewards on useful business categories and an annual business-centric statement credit (terms apply).
• The card’s annual credits come with a number of caveats and can be tricky to maximize, depending on your spending needs.
• The annual fee is one of the priciest on the market.
• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Best for fair/subprime credit

Revenued Business Card

Intro offer is not available for this Revenued credit card.

Rewards rate is not available for this credit card.

Factor Based

• Rewards details Caret Down N/A N/A

What we love: This prepaid card and credit line combo bases approvals and finance charges on your business revenue, not your credit score. This makes it worth a look if you’re still growing your business but lack the credit score to qualify for the more popular business credit cards on the market. Alternatives: Since the Revenued Flex Line uses a purchase of future sales financing model, you can’t avoid finance charges. If you have a good enough credit score to qualify and can avoid carrying a balance, a traditional business card could be a cheaper option. The Capital on Tap Business Credit Card has a lower rewards rate but could have a potentially high credit limit. Plus, applying won’t impact your credit score.

• You won’t pay an annual fee to use this card, which is always helpful on a card for fair or poor credit.
• Your Flex Line spending limit is based on your business revenue, not your credit history, so your purchasing power can grow as your business grows.
• Though this combo is available with less-than-perfect credit, it still has business revenue requirements that may be hard for some small-business owners to reach.
• Its financing model means you can’t avoid finance charges like you could if you used a credit card and didn’t carry a balance.
• No Annual Fee and no draw fee
• Great if you occasionally need cash fast, but aren’t looking to commit to a Business Loan or Line of Credit
• As your revenue increases, your spending limit increases
• Approvals based on your business revenue and not personal credit
• Access cash on demand with funds deposited straight into your bank account
• Access to business credit tools - Revenued reports to D&B to help build your business credit
• Access to a dedicated U.S-based account manager
• Rated Excellent on Trustpilot with 600+ reviews

Best for flexible travel redemption

Ink Business Preferred® Credit Card

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 100,000 bonus points

Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn.

21.24% - 26.24% Variable

• 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
• 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn

What we love: Nearly every type of business — from e-commerce to brick and mortar — could benefit from the valuable business rewards that this card brings to the table. But what really makes the card a travel powerhouse is the ability to transfer your points to several Chase travel partners at a 1:1 ratio, including United, Southwest, Marriott and more. Learn more: Is the Ink Business Preferred worth it? Alternatives: The American Express® Business Gold Card offers elevated rewards on spending in your top two select categories where your business spent the most each billing cycle. Though the Ink Business Preferred wins out on travel, the Amex Business Gold’s rewards rate may be a better value for businesses with somewhat predictable expenses (and if you don’t mind the annual fee).

• The included sign-up bonus is one of the largest you'll find on a business card.
• You can boost your point value by 25 percent when booking travel through Chase Travel℠, which is a mighty perk.
• There’s a relatively high spending requirement for the card’s welcome offer, which might make the offer tricky to obtain for businesses that don’t have big spending needs.
• There’s no intro APR on purchases or balance transfers, which hurts the up-front value of the card.
• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Best for annual cash bonus

Capital One Spark Cash Plus

$1,200 cash back once you spend $30,000 in the first 3 months

$1,200 cash back

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions.

• 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

What we love: If your spending varies or you simply don’t want to put a lot of time and thought into maximizing business rewards, this flat-rate cash back card has plenty of appeal. Your rewards won’t expire for the life of the account, and you can redeem your cash back for any amount. Plus, you can get your $150 annual fee refunded every year you spend at least $150,000 Learn more: Why the Capital One Spark Cash Plus is an easy-to-use card for businesses Alternatives: Like the Spark Cash Plus, the Capital One Spark Select for Excellent Credit has no preset spending limit. It’s a good choice if you don’t need the Spark Cash Plus’s intro APR, but want to pick up extra value through the card’s welcome offer.

• The card’s rewards program is straightforward and the annual fee refund when you meet the spending requirements turns the card into a value-efficient choice for small businesses.
• You’ll skip foreign transaction fees with this business card, which makes it a low-cost option for purchases when traveling abroad.
• Offsetting the card’s cost may be difficult if you can’t reach the yearly spend requirement.
• Given it's a charge card, there are no flexible financing options.
• Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
• Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
• Get your $150 annual fee refunded every year you spend at least $150,000
• Add employee cards for free, and earn unlimited 2% cash back from their purchases
• $150 annual fee
• Spark Cash Plus has no APR because your balance is due in full every month

Best for travel perks and credits

Capital One Venture X Business

150,000 miles once you spend $30,000 in the first 3 months from account opening

150,000 miles

2 miles on every purchase. 5 miles on flights booked through Capital One Travel. 10 miles on hotels and rental cars booked through Capital One Travel.

2X miles - 10X miles

• 2X miles 2 miles on every purchase
• 5X miles 5 miles on flights booked through Capital One Travel
• 10X miles 10 miles on hotels and rental cars booked through Capital One Travel

What we love: This card’s terrific travel perks, streamlined rewards rate and flexible redemption options make it a perfect fit for small-business owners who want to get a taste of luxury without drowning in annual fees. In fact, the card perks may offer enough value to offset the annual fee on their own, so it could make sense even if you only travel occasionally. Learn more: Capital One Venture X benefits guide Alternatives: If you want the flexibility to redeem rewards at a decent value for both travel and cash back without worrying about a large annual fee, consider the Ink Business Preferred® Credit Card . While the card’s points are worth 25 percent more when you redeem for Chase Travel℠, you can still get a solid 1-cent-per-point in redemption value if you redeem them for cash back. 

• The card boasts valuable, practical travel perks, including annual travel statement credits, anniversary miles and airport lounge access, making it easy to offset the annual fee.
• It offers ultra-flexible travel redemption, allowing you to redeem miles for travel via Capital One, transfer to participating airline partners and more.
• It’s not a great fit if you want the option to earn cash back. You can redeem miles for cash back, but it’ll cut your miles’ value in half.
• You won’t get any airline- or hotel-specific perks like elite status, so a co-branded travel card may be a better fit if you often book with one airline or hotel.
• Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
• This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options
• Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
• This is a pay-in-full card, so your balance is due in full every month
• Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking

Best for Hilton benefit

The Hilton Honors American Express Business Card

• Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

Earn 130,000 Bonus Points

Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases. Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year. 3X on all other eligible purchases. Terms & Limitations Apply.

20.99% - 29.99% Variable

• 12X Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
• 5X Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
• 3X 3X on all other eligible purchases. Terms & Limitations Apply.

What we love: This business card rewards Hilton loyalists with elevated membership status and includes boosted rewards rates for more than just purchases made at Hilton Hotels. This card also comes loaded with additional features fit for dynamic business owners who are out of town more often than not, including complimentary Priority Pass visits.  Alternatives: If you travel for business often but not in areas serviced by Hilton hotels — or don’t prefer Hilton to other hotel brands — a general business travel card like the Capital One Spark Miles for Business may be a better option. In fact, 1 Capital One mile can be worth more than 1 Hilton Honors point based on Bankrate's latest credit card point valuations .

• The welcome bonus, boosted rewards rates for business and travel purchases and complimentary Hilton Honors™ Gold Status make this a top hotel rewards card.
• It earns boosted points in several categories at once and offers the chance to earn multiple free night rewards from Hilton Honors.
• The card’s $195 annual fee can be hard to justify if you don’t stay at Hilton hotels and take advantage of as many perks as possible.
• Hilton point values aren’t as high as other reward programs’ points, making this a poor choice for general business purchases if you aren’t a Hilton loyalist.
• Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
• Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
• Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
• You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
• Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
• Terms apply.

Best for Bank of America customers

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

• Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.

Earn unlimited 1.5% cash back on purchases.

18.49% - 28.49% Variable APR on purchases and balance transfers

• 1.5% Earn unlimited 1.5% cash back on purchases.

What we love: What is otherwise a standard flat-rate cash back business card becomes a rewards powerhouse if you’re an eligible Bank of America Preferred Rewards member. Meet the requirements with qualifying account balances and you can earn up to 2.62 percent cash back on all purchases, one of the highest flat cash back rates available. Alternatives: If you’re a big business spender but unwilling to make the switch to Bank of America, you may find a suitable replacement in the Capital One Spark Cash Plus card and its unlimited cash back rate on all eligible purchases.

• You won’t need to worry about an annual fee cutting into your earned cash back rewards.
• The modest intro APR offer on purchases can help you pay off some large purchases.
• The intro APR offer doesn’t extend to balance transfers, making it a poor choice for managing debt.
• This card charges a 3 percent foreign transaction fee, which can make purchases abroad expensive.
• Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
• No annual cap and cash rewards don’t expire as long as your account remains open.
• No annual fee.
• Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
• 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.

Best for easy rewards redemption

Capital One Spark Miles for Business

• Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

50,000 miles

Unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

$0 intro for first year; $95 after that

26.24% (Variable)

• 5x Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
• 2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

What we love: While some travel credit cards have complicated rewards structures, the Capital One Spark Miles for Business keeps it simple: You can book travel through Capital One or use your miles to cover travel-related purchases made on your card within the last 90 days, including airfare, hotel bookings, transit and more. This makes the card a great choice for budget-conscious business travelers who still want to take advantage of a card’s travel perks. Learn more: Capital One Spark Cash Plus vs. Capital One Spark Miles for Business Alternatives: If you don’t mind a lower rewards rate, the Ink Business Preferred® Credit Card charges the same annual fee but comes with a broader range of travel benefits, including MasterRental® Insurance*.   

• The card doesn’t charge foreign transaction fees, which makes it a good choice for making purchases abroad.
• The rewards program is straightforward and generous relative to its annual fee ($95, $0 intro for first year).
• There’s no intro APR on purchases or balance transfers, which makes the card a poor choice if you need to save interest on new purchases or when paying off existing card debt.
• Relative to some competitors, this card is slim on business-centric benefits.
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
• Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles from their purchases

Best for United Airlines benefits

United℠ Business Card

• Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Earn 75,000 bonus miles

Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

• $0 introductory annual fee for the first year, then $99.

21.99% - 28.99% Variable

• 2X Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting.
• 1X Earn 1 mile per $1 spent on all other purchases.

What we love: The card’s solid rewards on United and everyday purchases plus its United Airlines perks make it easy to generate value. Occasional and frequent United flyers will have little problem offsetting the card’s annual fee and then some thanks to these perks, which include an annual statement credit. Learn more: Guide to the United MileagePlus program Alternatives: If your business-related travel needs are less about where you're flying and more about where you’re staying, The Hilton Honors American Express Business Card can be a solid option. It earns big on Hilton stays as well as purchases at U.S. gas stations, U.S. purchases for shipping and on wireless telephone services purchased directly from U.S. service providers. 

• The card’s welcome offer is generous and has a relatively low spending requirement, which makes it easy to obtain for most businesses.
• For a modest ongoing annual fee, the card comes with a nice set of airline perks general-purpose business cards don’t offer.
• The card offers free checked bags but only for you and one traveling companion. Other business cards offer this perk for you and four (or more) passengers.
• No introductory APR offer and a high penalty APR make this a risky card to use if you don’t pay your balance in full every month.
• Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
• Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
• Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
• $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.

Best for potentially high credit limit

Capital on Tap Business Credit Card

Intro offer is not available for this Capital On Tap credit card.

• 1.5% unlimited cashback with no annual fee.
• 18.49% - 35.99% variable APR
• 1.5% 1.5% unlimited cashback with no annual fee

What we love: This low-hassle business card available to LLCs and corporations is affordable to hold, boasting no annual fees or foreign exchange fees for any purchases made abroad. You’ll also enjoy unlimited cards to use for your company and a modest cash back rate on all purchases in addition to a potentially high credit limit.    Learn more: How small businesses can use the Capital on Tap Business Credit Card Alternatives: The Bank of America®  Business Advantage Unlimited Cash Rewards Mastercard®  credit card also has no annual fee and offers the same flat cash back rate. Plus, existing Bank of America and Merrill customers stand to earn significantly higher rewards through its Preferred Rewards program, provided they meet program requirements. 

• The card has relatively few fees, including no foreign transaction fee.
• The 1.5 percent cash back you’ll earn with this card is unlimited, covering an array of purchases.
• Not available to sole proprietorships (the most common business structure) or nonprofits.
• The card’s features are limited compared to other business credit cards.
• $0 annual fee
• Limits up to $50,000
• Unlimited cards for your employees
• Capital on Tap Business Credit Cards are issued by WebBank

Best for no foreign transaction fee

Capital One Spark Classic for Business

*The information about the Capital One Spark Classic for Business has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Intro offer is not available for this Capital One credit card.

Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

30.74% (Variable)

• 1% Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions.

This is a decent flat-rate cash back card for business owners with fair credit. It offers unlimited cash back on all purchases as well as an elevated cash back rate on specific travel booked through Capital One. Along with having solid fraud and liability protection, roadside assistance and no foreign transaction fee, it’s a great choice for people needing to travel for conferences, meetings and more. Alternatives : You may want to consider the Revenued Business Card if you want a higher rewards rate on every purchase but are having trouble qualifying for most business cards.

• This card’s cash back rate for select travel is fairly decent for no annual fee.
• You have access to free employee cards, with which you can track their spending, as well as customizable spending limits.
• Because this card is for people with fair credit, the APR is quite steep, which may make carrying a balance challenging.
• The flat cash back rate for all purchases is low compared to other business rewards cards.

Best business card for automatic bonus categories

U.S. Bank Business Leverage® Visa Signature® Card

*The information about the U.S. Bank Business Leverage® Visa Signature® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Earn $750 when $7,500 is spent within the first 120 days on the account owner’s card

5% cash back on prepaid hotels and car rentals booked in the Travel Rewards Center. 2% back in two top categories where you spend the most each month automatically. 1% cash per dollar spent on all other eligible purchases.

$0 introductory annual fee for the first 12 months, after that $95 per year

21.24% - 26.24% (Variable)

• 5% 5% cash back on prepaid hotels and car rentals booked in the Travel Rewards Center
• 2% 2% back in two top categories where you spend the most each month automatically
• 1% 1% cash per dollar spent on all other eligible purchases

What we love: This card automatically adjusts your two 2 percent categories each month based on where you’re spending the most, which includes more than 40 eligible categories, including gas stations, software and computer services, utility companies, office supply stores, and more. This makes it a good choice for nearly any business regardless of how often a business’ spending evolves. Alternatives: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card earns more in its customizable category and has no annual fee, making it a cheaper, comparable alternative.

• You can earn an unlimited 2 percent cash back in two eligible categories where your business spends the most. This includes more than 40 eligible categories.
• This card offers free employee cards and spending analysis tools to track card use.
• It has an ongoing annual fee that you have to offset with rewards.
• This card doesn’t have any intro APR offers, which weakens its upfront value.

Comparing Bankrate’s top small-business credit cards

What’s a business credit card.

Business credit cards are revolving lines of credit that help cover short-term expenses and build business credit. Some cards may also earn rewards on eligible business-related spending and offer zero-interest intro APR periods.

Business credit cards work the same as consumer credit cards: If approved, you typically receive a specific credit limit, which serves as your spending maximum. Card issuers report your credit usage, good or bad, to credit bureaus, which can affect your credit score.

Like consumer cards, business cards may also come with rewards, often in the form of cash back, points or miles . The best business cards available often require good credit, but secured business credit cards exist as a way to help entrepreneurs get started building or rebuilding their business credit.

Choosing the right business card depends on your specific business. One of the main factors to consider is the type of business card you need. A few of the most common types of business cards are:

• Corporate credit cards: These cards are typically only issued to large businesses with established financial and credit histories. Banks will issue a corporate credit card to the business entity, not the individual business owners. One of the best examples is The Business Platinum Card® from American Express comes with a ton of benefits, including credits on Dell purchases and yearly Priority Pass Select membership.
• Cash back credit cards: Cash back business cards can earn cash back rotating categories, fixed bonus categories or on all spending. These cards are a good option for any business that wants to earn rewards on their purchases. The Ink Business Preferred offers a good rewards rate on travel and select business categories, making it useful to many types of businesses.
• Travel rewards credit cards: These cards offer a high rewards rate on various travel purchases, including car rentals, rideshares, hotel and flight bookings. This includes co-branded cards like The Hilton Honors American Express Business Card , which offers great rewards on both Hilton Hotel stays and commonly used business categories along with complimentary Gold Status
• Charge cards: Some business cards are charge cards , which usually have no set credit line or spending limit. Instead, you pay off your full balance every month. The Capital One Spark Cash Plus is a great choice for business owners who prefer flat-rate cash back over tiered categories without a preset credit limit. 

Pros and cons of business credit cards

Business cards offer several advantages over personal cards when initially funding a business, though you should keep a few potential drawbacks in mind. 

Working capital: A business credit card can help address short-term financing needs.

Lenient qualification: It can be easier to qualify for a business credit card than a business loan or line of credit.

Credit limits: Business credit cards usually provide higher credit limits than consumer credit cards.

Available to sole proprietors: They’re available to the self-employed, like freelancers, independent contractors and gig workers.

Separates business expenses: Business credit cards help track and manage your company's expenses for budgeting and tax purposes.

Lower APR: Business cards often come with lower interest rates than personal credit cards.

High credit requirements: While secured business credit cards exist, the choices available for businesses with fair or poor credit are slim.

Liability: You may be personally liable for any unpaid debt on the cards, and business credit can affect your personal credit.

Fewer protections: Business credit cards aren’t required to offer the same consumer protections as personal cards under the Credit CARD Act of 2009, though many issuers do voluntarily extend these protections to their business products.

Tips on choosing the best business card for you

Choosing the right business credit card depends on your business needs. After evaluating your present needs and future goals, follow these steps to get the best card for you. 

How to choose a business credit card

You’ll need to provide the following information about yourself and your business when applying for a business credit card. This includes your:

• Business name and contact information
• Role in the company
• Annual business income
• Business details
• Supporting documentation (such as an Employer Identification Number)

Pick relevant earning categories

To get maximum value out of your business credit card, choose a card that earns bonus rewards in your business’ top spending categories. If your priority is convenience, choose a flat-rate business rewards card that offers at least 1.5X points or miles for all purchases. 

Pay attention to redemption value

The value of your rewards can vary based on how you redeem them. Make sure the card you choose offers at least one cent per point or mile for your favorite redemption option. 

Compare additional features

Two cards may offer the same rewards, but one might offer additional features that can save you money. Examples of perks to consider include intro APR offers, cellphone insurance or travel protections.

Mind the fees

Make sure the value you’ll gain from the card exceeds any fees you might pay, such as an annual fee or balance transfer fee. Other costs to consider include late fees and penalty APRs.

After evaluating your present needs and future goals, follow these steps to get the best card for you. 

• No business is too small: If you run a part-time business — like a side hustle or gig — a business card is a great credit tool. A business card can help if you have high startup costs, increased travel expenses or growing operating costs. Plus, if you transition to running your business full time, a card can help build your business credit score.
• Stick with the same issuer: When getting a business card, whether a corporate card or a small-business credit card , it may be a good idea to go through the same issuer as your personal credit card. A few perks can come with going this route, such as a better chance of qualifying and pooling rewards.
• Ask for advice : Seeking out advice from fellow business owners on what financial tools have helped them, not only gives you first-hand experience from a trusted source but also can help build community. Building a business takes time and support, so don’t be afraid to reach out for help.

Our data: Business credit card approvals in 2023

Understanding how approval rates fluctuate may help you better plan when to apply for a business credit card. We analyzed approvals for business credit cards that readers applied for through Bankrate in 2023.

According to our proprietary data , business credit card approvals on Bankrate were the lowest in January 2023. But approvals increased throughout the year, spiking in October 2023 to rates 83 percent higher than in January before slightly tapering off through the end of December.

Business credit card approvals could spike in October for various reasons. One possibility is less access to business loans. Banks reported tighter standards and weaker interest in commercial and industrial loans in Q4 2023, which could push businesses to seek other funding products, like credit cards.

For example, Bank of America’s 2023 Women & Minority Business Owner Spotlight revealed that 54 percent of business owners who said they planned to use funding in the next 12 months picked business credit cards as their top choice. And business credit bureau Dun & Bradstreet reported an increase in its U.S. Small Business Health Index in September and October 2023, which could contribute to more credit card approvals.

While seasonal trends may affect your business throughout the year, it’s not uncommon to use some form of business funding to manage cash flow . What’s important is finding the right combination of tools and strategies to grow your business . Learn more about small-business funding with Bankrate’s small-business articles .

What people say about business credit cards

If you’re looking for a new business credit card, you may be wondering which cards your fellow small-business owners recommend. To get some first-hand perspectives, we checked out what Reddit and myFICO® Forums users are saying about their favorite business cards.

First-hand experiences from business card users

Contributors regularly recommended a few specific issuers with top business cards: 

• When it comes to Amex cards, favorites include The Business Platinum Card® from American Express and American Express® Business Gold Card . 
• The Capital One Spark Cash Plus is considered a great “catch-all card.”  
• Chase Ink Business cards earned praise for their solid cash back rates. 

As you consider your card options, it’s important to assess your business needs and how you plan to use any rewards you earn. One member of the Reddit r/smallbusiness community, beley , noted that deciding on the best card for you, “depends on what you spend money on and what you value (cash back, free travel, or other perks).”  

For example, Amex business cards that earn Membership Rewards are useful for travel because American Express has a solid network of transfer partners, including top airlines and hotels. Redditor beley favors the Amex Gold Business card because of its elevated rewards rates on business expenses like advertising and shipping. Those rewards can translate into great travel redemptions, and the same Reddit user said that they take a couple of vacations every year using miles and points. 

On the myFICO® Forums, one user noted that Amex cards can be great business tools because “the no pre-set spending limit** offers flexibility.” In addition to the travel benefits, one user chose the Amex Business Platinum for its extended purchase warranty perk. 

Chase Ink business cards also typically have strong welcome offers and solid rewards rates. For example, several Reddit users recommended the Ink Business Unlimited® Credit Card . On top of its competitive welcome offer, the card provides unlimited 1.5 percent cash back on all business purchases. Plus, the card carries a solid intro APR offer, which will come in handy if you’re looking to finance a large purchase for your business while minimizing interest charges. 

With so many great options, how do you decide what’s right for your business? One Reddit user suggested having two separate business cards with different banks, noting that there’s no perfect “one size fits all” product. Maintaining a primary account with one bank and a secondary “backup” account with another bank may also be helpful if one account is compromised. 

This Redditor included a few key tips for choosing the right cards. 

Make sure at least one of them is a VISA card, since they are accepted in most places. There are arguments to be made for having your backup be an Amex due to how customer-friendly they are. In the end, the only answer is "it depends on what YOU" need … I think the arguments for having two accounts with separate banks is supportive of most small businesses' needs. —  Glimmer_III, Reddit user, r/smallbusiness community*

This advice is solid, especially if your business is your primary source of income or if it’s growing at a rapid pace. For a small business, a catch-all card with solid perks, such as the much-loved Capital One Spark Cash Plus, may be all you need.  

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Expert advice for maximizing business credit cards

Like with consumer credit cards, you want to have a clear vision for how your business credit card can help you achieve your financial or business goals. Here are a few tips to get you started:

• Use your card to build business credit: Business credit cards are one of the most cost-effective ways to build business credit. As long as you take advantage of the card’s grace period and pay your balance in full each month, you can avoid interest charges.
• Consider having more than one business credit card: For many entrepreneurs, one business credit card won’t be enough . To maximize your credit card rewards, you might need two or three business cards, each with different bonus rewards categories that match your spending habits.
• Have a plan for paying your balance: If you can’t pay your business credit card in full each month, interest charges can eat away at your rewards and make it harder to pay off that balance. Plus, if you signed a personal guarantee , you’re personally liable for repaying the debt if your business can’t. Have a plan in place to pay off your balances before you start using a business credit card .

Bankrate’s take: Though uncommon, business cards that do not require a personal guarantee do exist. However, there’s usually a tradeoff. Instead of providing a personal guarantee, you'll usually need to link a corporate bank account with a large balance, provide proof of significant business profits or offer business assets as collateral.

How one Bankrate expert uses his business credit cards

Bankrate writer Ryan Flanigan explains his approach to choosing business cards and how he uses them in this overall credit card strategy.

“I like business cards because they can do the heavy lifting for me. When I have significant business spending, I know my personal credit won't take a hit and I'll earn solid rewards. I've been able to keep my credit score in a good place even when I have a large balance to deal with on my business cards. It's also very helpful for keeping everything separate and organized once tax season rolls around. When I'm looking for business cards, I want to see how they work together with other cards I have. For instance, the Amex Business Platinum, Business Gold and Blue Business Plus cards make an amazing team, covering almost every need I have. Also, the Chase business cards can all pool points together, which can make for an excellent points-generating machine. Every card does its job by covering something different. Like in business, when cards work together for me, it makes a great partnership.” — Ryan Flanigan, Writer, Bankrate Credit Cards

In the news: Rates unchanged but may decrease in 2024

The Federal Reserve left interest rates untouched in April 2024 and shows no signs of cutting rates in the near future. This keeps interest rates at a 23-year high, with mortgages and credit cards being among the most affected. 

With no interest rate relief in sight, business credit cardholders should be cautious. If you carry a balance on your card, take advantage of business credit cards that offer a promotional APR. During an intro APR period this time, you can often minimize interest charges for 12 months or more depending on the offer. You may also be able to take advantage of SBA loans , which are guaranteed by the U.S. Small Business Administration. These government-backed loans cap interest rates, helping to make small business loans more affordable. Several types of SBA loans are available, including options to help business owners with bad credit who struggle to get approved for financing.

*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply. The information about the Capital One® Spark® Classic for Business card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

When evaluating the best business cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of small-business owners, from earning rewards in popular business spending categories to getting payment flexibility or high-value perks. Whenever possible, we also feature cards that are available at various credit levels and price points. 

Here’s a look at how our rating methodology breaks down for business credit cards:

• Flexibility 20%
• Customer experience 20%

We analyzed over 50 of the most popular business credit cards and scored each based on its rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more to determine whether it belonged in this month’s roundup.

Here are some of the key factors that we considered:

Great rewards value

The best business cards offer rewards in key business spending categories, so a primary criteria for a business card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a business card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average small-business owner’s spending habits. In other words, we assess whether the card earns rewards at a high rate in the most popular business spending categories. 

We researched 10 key business spending categories including dining, gas, office supplies, travel, telecommunications, insurance and more to get a sense of the average small-business owner’s spending habits. We assumed an average annual spend of around $40,000 per year based on Bankrate survey data . 

Using this data, we are able to assign a weighting to each of a card’s bonus categories. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your business purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other business cards, factoring in the card’s annual fee.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Low fees and an intro APR

We also score cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each business card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other business cards. This is because an intro APR on new purchases or balance transfers can be a lifesaver if you need to pay down debt, finance a large business purchase or free up cash flow. 

While intro APRs are not uncommon on business cards, they aren’t a given, so cards that offer this sort of payment flexibility will score higher in our card rating system and are more likely to land a spot on our best cards list.

Even more important to both a card’s score and its inclusion in our list, however, is how its annual fee influences its overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. 

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against those of other cards in the category when you subtract annual fees.

That said, we strive to include as many no-annual-fee options in our list as possible since many business owners would rather not worry about offsetting fees, even if a card carries impressive rewards and perks.

Redemption flexibility

Business rewards cards may make it easy to earn a lot of points, miles or cash back, but how easy is it to use those rewards? After all, if it takes a ton of effort to redeem rewards or you can only redeem rewards in a couple of ways, a card may be more trouble than it’s worth. 

As such, we rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards. We factor this rating into a card’s overall score and consider it when deciding on a card’s inclusion in our list. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on only a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to travel partners.

Valuable business perks

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. Top-tier perks include benefits like airport lounge access, travel credits, elite status with an airline or hotel and credits for expedited security screening membership programs.

We give extra weight to perks especially useful or valuable for small-business owners, like being able to qualify with no personal guarantee, digital advertising credits, free employee cards and accounting perks.

Frequently asked questions about business credit cards

What is the best credit card for startups or new businesses.

Many business credit cards are available to startups . The best business card for one business may not be the best one for yours.

Finding the right business credit card to help cover costs (which averages $40,000 in the first year ) and get your new business up and running depends on finding a card with the benefits that matter most to you, gives you maximum value and is something you can afford. 

How can I start my business credit?

Starting to build your business credit could be as easy as establishing credit with vendors and suppliers. But not all credit lenders will report accounts to business credit bureaus. 

Opening a business credit card is a better option. That’s because major issuers like Capital One, American Express and Chase report your activity to the commercial credit bureaus, such as Dun & Bradstreet . Another benefit is that you can avoid interest charges with a business credit card as long as you consistently pay your balance in full each month. 

What is a business credit score?

A  business credit score  applies to businesses rather than individuals. Unlike personal credit cards, business credit scores can range between one and 100 depending on the business credit bureau. Business scores are also public and attached to an  Employer Identification Number  (EIN) rather than a Social Security Number. 

You can check your business credit score at the reporting agencies Dun & Bradstreet,  Equifax  and Experian. But you may have to pay to see your score or look up other businesses. 

What are alternatives to a business credit card?

Small business credit cards can provide a lot of value, but they’re not the best solution for every business. Some entrepreneurs will need to cover expenses that exceed a credit card’s limits, carry a balance over a long period of time or may simply have poor credit. The most common alternatives to business cards are: 

• Business loans: The best small business loans can have higher loan amounts and lower interest rates than business credit cards. 
• Business lines of credit: A business line of credit may come with higher credit limits than a business credit card, especially if you have good or excellent credit. 
• Personal credit cards: While you may miss out on the perks of a business credit card, personal credit cards at least guarantee you consumer protections against fraud and may have longer intro APR offers.

Ask the experts: How do business credit cards impact business taxes?

Thomas Nitzsche

Stephanie Zito

Erica Sandberg

Financial Educator, Debt and Credit

Business credit card transactions that are legitimate business expenses may be written off as a business expense in some cases. A tax preparer may use those transactions as they’re working on your bookkeeping or as a means to prepare your taxes. Interest paid on business credit cards transactions is tax deductible, much like the interest paid on a business loan.

Contributor, Personal Finance

For small business owners — particularly single-member LLCs and S-Corps, business cards are an important tool to help track your transactions and keep them separate from your personal expenses. Using business cards to organize expenses really helps me maximize deductions.

Contributor, Credit Cards

A small business’s margins may be slim, and the right business credit card could potentially help. The rewards you earn with business credit cards aren't taxable, so if you maximize them you can earn substantial cash, points or miles. When you use the card exclusively for business expenses, you can also deduct the fees that are associated with these products.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Can I build a good FICO score if a charge card is my only credit account? MyFICO. Accessed on May 2, 2024.

The January 2024 Senior Loan Officer Opinion Survey on Bank Lending Practices . Board of Governors of the Federal Reserve System. Accessed on May 2, 2024.

2023 Women & Minority Business Owner Spotlight . Bank of America. Accessed on May 2, 2024.

Dun & Bradstreet U.S. Economic Health Tracker . Dun & Bradstreet. Accessed on May 2, 2024.

**No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

Top Credit Cards With Priority Pass Lounge Access

Enhance your next trip by spending time in a lounge before your flight.

Credit Cards With Priority Pass

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There is a Priority Pass credit card for each type of traveler.

Some of the links on this site contain offers from our partners .

Key Takeaways

• Priority Pass has over 1,500 airport lounges around the world.
• Select travel credit cards offer a complimentary membership with free entrance for the cardholder and up to two travel companions.
• Travelers receive complimentary drinks, food, Wi-Fi and more inside the lounge.

Waiting at the airport for your flight can be an uninviting experience. Seats at the gate are often uncomfortable and crowded, while food options are typically overpriced. However, if you have access to an airport lounge, you'll enjoy comfortable seating, complimentary food and drinks, and free Wi-Fi.

Priority Pass credit cards allow travelers to enjoy the amenities inside more than 1,500 lounges around the world. Learn more about Priority Pass lounges, which credit cards offer Priority Pass membership and which factors you should consider before applying.

Priority Pass Lounge Benefits

Benefits can vary, depending on the location. You may find multiple Priority Pass lounges at the same airport that offer different amenities. However, most Priority Pass lounges offer the following complimentary benefits:

• Meals or snacks
• Beverages, including alcohol
• Comfortable seating

According to Zac Hood, founder of Travel Freely, a points and miles app for beginners, "International lounges typically stand out as more upscale with better food," than U.S. lounges.

The Priority Pass website or mobile app provides an overview of the benefits available inside each lounge. A third-party service called LoungeBuddy also shares highlights and user reviews.

How Many Times Can You Use Your Card's Priority Pass Benefits?

Complimentary access to participating airport lounges is often unlimited for people with a Priority Pass credit card. However, not all credit cards that offer this benefit include unlimited access for free. Some cards include just a handful of complimentary visits per year and charge for each additional visit. Other credit cards do not include any free visits and charge every time you want to enter the lounge.

Ben Komenkul, a travel points and miles educator at Ben's Big Deal, says, "Priority Pass cardmembers get full access to Priority Pass airport lounge for up to two guests when flying any airline the same day." However, there can be some exceptions to the rule.

5 Best Credit Cards for Priority Pass Lounge Access

There are numerous Priority Pass credit cards to choose from, so we narrowed down the list to our favorites for each type of traveler.

For Luxury Travelers: The Platinum Card® from American Express

The Platinum Card from American Express is well-known for its premium travel benefits and top-notch customer service. In addition to Priority Pass lounges, cardholders also receive complimentary access to Centurion Lounges, Escape Lounges and Plaza Premium Lounges. It features numerous benefits, including more than $1,500 in value with its cardholder credits. Cardholders receive Hilton Honors and Marriott Bonvoy Gold elite status for no charge, and they'll earn five points per dollar when booking flights through American Express Travel or directly with the airline. Membership Rewards points can be used to book travel, get statement credits and more, including transferring to 21 airline and hotel partners. You'll pay a $695 annual fee for this card. ( See Rates & Fees )

For Best Rewards: Chase Sapphire Reserve®

Savvy travelers love the Chase Sapphire Reserve for its benefits and flexible rewards. The card earns three points per dollar on dining and travel worldwide and up to 10 points per dollar on purchases through Chase Travel. Points are worth 50% more when booking travel through Chase, or you can transfer to 14 airline and hotel loyalty programs. The card also features an annual $300 travel credit that automatically applies to eligible purchases. You'll pay a $550 annual fee for this card.

For Hotel Elite Status: Hilton Honors American Express Aspire Card

Hotel elite status provides numerous complimentary benefits, including upgrades at check-in, late checkout and higher earning power on hotel spending. The Hilton Honors American Express Aspire Card includes automatic Hilton Honors Diamond elite status, which is the loyalty program's highest tier. Cardholders also receive a $400 Hilton resort credit and a $200 flight credit every year. Plus, the card includes an annual free night that can be used at almost any Hilton property worldwide. For big spenders, you can earn an additional free night by spending $30,000 and a second free night by spending $60,000. You'll pay a $550 annual fee for this card.

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

For Sharing Benefits: Bank of America® Premium Rewards® Elite Credit Card

The Bank of America Premium Rewards Elite Credit Card includes Priority Pass memberships that can be shared by up to four people. While other Priority Pass credit cards allow cardholders to bring up to two guests with them, this card allows cardholders to give Priority Pass benefits to other people. The card also earns two points per dollar on travel and dining plus 1.5 points per dollar on all other purchases. Customers who qualify for Preferred Rewards can earn up to 75% bonus points. The card also includes $550 in fee credits to offset its annual fee of $550.

The information for the Bank of America® Premium Rewards® Elite Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

For No Annual Fee: Signify Business Cash℠ Card by Wells Fargo

Travel credit cards have significant annual fees that are hard to justify for some travelers. The Signify Business Cash Card by Wells Fargo is a business credit card that includes Priority Pass access without charging an annual fee. The card earns an unlimited 2% cash back on every purchase and includes a 0% introductory annual percentage rate offer on purchases for 12 months. Whenever you want to visit a Priority Pass lounge, simply pay an entrance fee to use all of its benefits.

The information for the Signify Business Cash℠ Card by Wells Fargo has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Tags: credit cards

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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TD® Aeroplan® Credit Card Offers for Summer 2024

TD has just announced the Summer 2024 credit card offers for its suite of Aeroplan ® co-branded credit cards .

The welcome bonuses on the TD ® Aeroplan ® Visa Infinite Privilege * Card and the TD ® Aeroplan ® Visa Infinite * Card have seen a decrease from the previous round of offers, while the offer on the TD ® Aeroplan ® Visa Platinum Card remains steady.

TD ® Aeroplan ® Visa Infinite * Card: Up to 40,000 Aeroplan Points †

The TD ® Aeroplan ® Visa Infinite * Card has come out with a welcome bonus of up to 40,000 Aeroplan points † for the Summer 2024 offer. This is a decrease from the previous round of up to 50,000 points.

To earn the full bonus, you’ll have to meet the following conditions:

• Earn 10,000 Aeroplan points † with your first purchase †
• Earn an additional 15,000 Aeroplan points † upon spending $7,500 in the first 180 days †
• Earn an anniversary bonus of 15,000 Aeroplan points † when you spend $12,000 in the first year †

The anniversary bonus on the TD ® Aeroplan ® Visa Infinite * Card is awarded in the second year, and you’ll need to pay the $139 annual fee again in order to receive it.

However, the anniversary bonus of 15,000 points would definitely justify paying a $139 annual fee – and that’s not factoring in a potential annual fee waiver by holding a TD premium chequing account .

In fact, the TD ® Aeroplan ® Visa Infinite * Card is one that we recommend as an essential credit card for Canadian travellers .

As a reminder, the earning rates on the TD ® Aeroplan ® Visa Infinite * Card are as follows:

• Earn 1.5 Aeroplan points per dollar spent † on eligible gas, grocery, and direct Air Canada ® purchases (including Air Canada Vacations ® ) †
• Earn 1 Aeroplan points per dollar spent † on all other eligible purchases †

And these are a few key benefits for cardholders:

• Preferred pricing for Aeroplan award tickets on Air Canada ® flights †
• Free checked bag for you and your party on Air Canada ® flights †
• NEXUS rebate once every four years †

The TD ® Aeroplan ® Visa Infinite * Card requires either $60,000 in annual personal income, or $100,000 in annual household income, to qualify.

To be eligible for this offer, you must apply and be approved for the card by September 3, 2024.

• Earn 10,000 Aeroplan points † upon first purchase †
• Plus, earn 15 ,000 Aeroplan points † upon spending $7,500 in the first 180 days of account opening †
• Plus, earn an additional 15,000 Aeroplan points † on renewal when you spend $12,000 within 12 months of account opening †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred Aeroplan pricing and free checked bag on Air Canada ® flights †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $139
• Application must be approved by September 3, 2024 to receive this offer

TD ® Aeroplan ® Visa Infinite Privilege * Card: Up to 75,000 Aeroplan Points †

The TD ® Aeroplan ® Visa Infinite Privilege * Card is currently offering a welcome bonus of up to 75,000 Aeroplan points. †

This is a drop from the all-time high of up to 115,000 Aeroplan points which we saw in the Summer 2023 round of offers, and also down from the Spring 2024 offer for up to 85,000 points.

To earn the full welcome bonus, you’ll have to meet the following conditions:

• Earn 20,000 Aeroplan points † with your first purchase †
• Earn an additional 25,000 Aeroplan points † when you spend $12,000 in the first 180 days †
• Earn an anniversary bonus of 30,000 Aeroplan points † when you spend $24,000 within 12 months of Account opening†

This card has an annual fee of $599, and you’ll need to renew the card for a second year to capture the full welcome bonus. 

As always, the card’s everyday earning rates are as follows:

• Earn 2 Aeroplan points per dollar spent † on direct purchases with Air Canada ® , including Air Canada Vacations ® †
• Earn 1.5 Aeroplan points per dollar spent † on eligible gas, grocery, travel, and dining purchases †
• Earn 1.25 Aeroplan points per dollar spent † on all other eligible purchases †

In addition to the travel benefits offered by the lower-tier cards, the TD ® Aeroplan ® Visa * Infinite Privilege * Card also comes with a DragonPass membership † and six lounge passes per year † , as well as Maple Leaf Lounge access † .

Plus, your spending on the card will help earn Status Qualifying Miles or Segments towards Aeroplan Elite Status † .

The TD ® Aeroplan ® Visa * Infinite Privilege * Card requires $150,000 in annual personal income or $200,000 in annual household income to qualify.

• Earn 20,000 Aeroplan points † upon first purchase
• Plus, earn an additional 25,000 Aeroplan points † upon spending $12,000 in the first 180 days
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points † upon spending $24,000 within 12 months of account opening †
• Earn 2x Aeroplan points † on eligible Air Canada ® purchases, including Air Canada Vacations ® †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, dining, food delivery, and other travel purchases †
• Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
• Unlimited Air Canada Maple Leaf Lounge † access
• DragonPass membership † with six free lounge visits per year
• Minimum income: $150,000 personal or $200,000 household
• Annual fee: $599

TD ® Aeroplan ® Visa Platinum * Card: Up to 20,000 Aeroplan Points †

The TD ® Aeroplan ® Visa Platinum * Card is once again holding steady at 20,000 Aeroplan points † for new cardholders. Plus, the annual fee is rebated for the first year. †

The welcome bonus is structured as follows:

• Earn an additional 10,000 Aeroplan points † when you spend $1,000 in the first 90 days †

Usually, welcome offers at this level are reserved for cards with a higher income requirement. If this card is a better fit for your income, or if you’ve been ignoring it in favour of premium products, now is a great time to apply.

While the welcome bonus shines, ongoing earning rates aren’t quite as strong as the TD ® Aeroplan ® Visa Infinite * Card’s:

• Earn 1 Aeroplan point per dollar spent † on eligible gas, grocery, and direct Air Canada ® purchases (including Air Canada Vacations ® ) †
• Earn 1 Aeroplan point per $1.50 spent † on all other eligible purchases †

The TD ® Aeroplan ® Visa Platinum * Card also provides preferred pricing † and Aeroplan award ticket insurance † , but it doesn’t offer free checked bags or a NEXUS rebate.

• Earn  10,000 Aeroplan points † upon first purchase †
• Plus, earn 10,000 Aeroplan points † upon spending $1,000 in the first three months
• Earn 1x Aeroplan points† on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred pricing on Air Canada ® flights through Aeroplan †
• Annual fee: $89, rebated in the first year †

TD has just announced new offers on its Aeroplan credit cards for Summer 2024. 

If you’re looking to add one of these cards to your portfolio, you can take advantage of the bonuses if you apply and are approved for the TD ® Aeroplan ® Visa Platinum * Card, TD ® Aeroplan ® Visa Infinite * Card and the TD ® Aeroplan ® Visa Infinite Privilege* Card by September 3, 2024 .

† Terms and conditions apply. Refer to the card issuer’s website for complete, up-to-date information.

80 Comments

Are the VI MSRs separate or combined? i.e. first 5K spent goes towards 7.5K?

Transferred from TD Areoplan Infinite to Cashback Infinite in November when will I be eligible for the welcome bonus on the Infinite Privilege?

I believe the T&Cs on both the TD AP Visa Infinite Privilege and Visa Infinite state the latter points (MSR within 12 months) as “Anniversary Bonus”, but the article is stating as not Anniversary Bonus, unless I am missing something. Can you please confirm on this? Many thanks!

Hi Josh, I applied (does that mean “opened”?) for the TD Visa Infinite card in April 2021, and closed the account in April 2022. The T&Cs state “if you have OPENED an account in the last 12 months, you will not be eligible for this offer”. Would I be eligible again for the signup bonus for this same card in April 2023, or earlier? Thanks

Do you know if the rules for Quebec include the minimum spend amounts or does it have to do with keeping the account open and in good standing only? If it’s the latter, what are the details for the offer in Quebec?

Quebec has a minimum spend as well.

Since TD allows for new WB if you haven’t opened that type of card in the last 12 months, is there anything stopping us from opening a card, cancelling it before annual fee posts again, and then opening that same card for a new WB year after year? Thanks!

I have the Aeroplan Infinite Privilege. In the first 2 statements I didn’t receive the 8500 bonus points for $1000 spend. I phoned an the rep said I would receive all the monthly bonus points at one time after the 10 months is over. This sounded odd, so I want to know if people are getting their bonuses monthly or if they have to wait 10 months. Thanks.

That doesn’t sound right. You don’t need to wait 10 months. The first set of 8000 points are awarded starting from the first billing cycle after your card has been approved. It has been 2 new billing cycles since I was approved and I have received the 8000 points twice.

Does the privilege allow for eUp rollover?

It does, you can roll over 50 eUpgrades.

Does the Infinite Privilege still come with the world wide pass after $25k? How long does it take to show up after meeting the spend?

Whats the TD rewards dates? “Ends May 29 2022” and this article was updated on May 30th 🤔

That was the previous expiry date. It’s now been extended to October 29, 2022.

What changed? Is it just that they extended their promos?

Hi thanks for the article! I have a TD all inclusive account and never had a credit card before – debating if I should apply for the Aeroplan visa infinite privilege or the Aeroplan visa infinite since I qualify for either. I can’t decide if the annual fee is worth the extra points you get from the privilege since the VI is free. What do you think is the better deal?

Seeing as the buddy pass is now only available CIBC AEROPLAN® VISA INFINITE* CARD, would you be able to apply for both the CIBC and TD Aeroplan Visa Infinite cards and receive both welcome bonuses, even though they are at the same performance level. I recall before you would only be eligible for one buddy pass per tier, but as there is now only one card that gives it in the welcome bonus would it be worth it to apply for both? Thank you.

I called in and did a product switch from my TD AP infinite to privilege without any issues. Only had the infinite card for 6 months. $200k household income was just a yes or no question. Agent told me the 105k AP promo is for online only. The promo she got me was 20k first use and 80k with $1k spend within 90 days. I like that much better. Now the question I have is, will I be able to downgrade this card in 6 months to get prorated fee back?

Hi Rick! That’s a great upgrade offer seeing as you had the TD AP Infinite card for six months (Im assuming you got a welcome bonus there as well). When you did your upgrade, did TD pro-rate your annual fee for the current card? or did you get that waived? My understanding of TD’s product switch rules is that you are allowed a maximum of TWO switches per year. The first switch can happen after your 4tht statement, after that its recommended to wait at least six months. TD might consider another switch back to the TD AP Infinite as “abuse” of the welcome bonus since you likely have received two of them. Therefore I recommend you wait until your next annual fee posts to switch back. (you may get lucky and get some type of offer when you do).

I got the TD AP VI in July 2021. It was FYF, 25k sign up + 30k buddy pass conversion. It was a great deals back then. When I did the product switch over the phone, the agent told me I may not get the full 20k spent after first spend (she isn’t 100% sure) but I will get the 80k after spending 1k. There was no prorated rate for current card since I was on FYF. Thanks for the advice about waiting for the full year.

Hi, I think i messed up, i applied for the visa infinite, two days ago, will they upgrade me to the new offers or am I stuck with the old offer of 25000 Aeroplan points?

You’ll get the old offer. Luck of the draw when you apply just before the offer ends – might go up or down, you never know!

any data points re: in-path offer? ive been trying to trigger it, but am not seeing anything.

Hi Todd! I triggered the in-path offer and currently its identical to the public offering of 50,000 Aeroplan points for the TD Aeroplan Infinite Visa card. This is a very strong offer 🙂 Hope this helps!

I’ve had a TD Visa Infinite card for 5+ years. Can I upgrade my account to an Infinite Privilege to take advantage of this offer?

Assuming you meet all the usual requirements to get approved for the privilege card, you CAN do a product switch. I would call TD to confirm you qualify for the bonus before you proceed. Your existing card would need to have a $10,000 limit or higher and your household income would need to be $200,000 or higher. If you can say “yes” to both, then your chances of getting the new bonus are very good.

And if you do the switch from long term infinite card holder to infinite privilege card, I’m assuming you’d need to pay the annual fee since it doesn’t appear that the infinite privilege offers a FYF option. Is that correct?

Hi Rebecca, It depends on the type of relationship you have with TD. You may get an annual fee waiver for the first year, if you have not received any welcome bonuses for a couple of years. Otherwise TD will prorate your annual fee from the previous card and post it as a credit to your account. This also depends on when your card “anniversary” is in relation to when you request the product switch.

You should receive some type of credit, maybe even a full waiver if you call in and ask nicely 🙂 Hope it works out for you.

Hi josh, can you comment on the difference between a transfer versus a product switch or are they the same thing? I got an email from Air Canada asking me to upgrade to a Visa infinite privilege to get the full 105,000 AP bonus. I thought that a product switch wouldn’t offer the full bonus..

Every bank uses different terminology but they all mean the same thing. If you have an upgrade offer from a bank or Air Canada, you’ll definitely be eligible for the full bonus, and if you don’t receive it automatically you can point to the offer as supporting evidence when you claim your missing points.

Assuming you meet the requirements for the new card and haven’t received a welcome bonus in the last 12 months (may vary for the Infinite Privilege card), you CAN receive the bonus on a product switch. I recently did this and I have my new card and awesome welcome bonus. Keep in mind your current card would need to have an existing limit of $10,000 or more and your household income needs to be $200K+ – call TD ahead of time to confirm eligibility for the bonus, but if you are getting an email from Air Canada, its extremely likely you qualify 🙂 — “transfer” and “product switch” are interchangeable, but banks prefer the second term.

How strict is TD with the $200k income requirement on the Privilege card? Could a healthy investment portfolio with them, your mortgage with them, as well as a good household income be enough? Does an in branch, human application help at all? I always though the high requirement was a bit much, considering how high the annual fee is as well.

In my experience, TD is helpful and flexible for clients in your situation who use a variety of their other services – a branch appointment or phone application would certainly be better than an online application.

I forgot to mention that you might want to check out Amex Aeroplan Reserve card. The welcome bonus is up to 110,000 points and have some pretty sweet benefits. Maple Leaf lounge access and a worldwide companion pass are included assuming you meet the requirements. The annual fee is $599 (same as TD) but the kicker here is Amex is NOT strict with income requirements. So if the application from TD does not work out, you have a possible plan “B”

f you are applying online, then the income requirement (currently household income of $200,000 or more) is strictly enforced. Having other business with TD likely will help your chances 🙂 I would contact your branch and book an appointment. I’ve heard of applications being pushed through, despite falling short on the income requirement. nothing is set in stone when dealing with a real human being. Hope it all works out for you 🙂

Does it make sense to get both the in-path TD Aeroplan Infinite for the points and the CIBC Visa for the buddy pass?

Is the buddy pass issued every 12 months?

No. Its a one time deal as part of the welcome bonus. However you CAN earn up to three buddy passes if you have an Aeroplan card in each category (core, premium and business) and meet all of the spend requirements. Keep in mind though, NO current welcome bonuses are offering the buddy pass as of March 7th 2022. That ship has sailed. We may see the passes return in September, but no promises.

Do you get a buddy pass every 12 months?

Can you receive WBs for the Aeroplan Infinite and Platinum cards within the same 12 months?

I don’t see why not, considering they are in different categories (Platinum is “entry-level” and Infinite is a “core” offering) – Assuming you are applying at TD for both, I recommend that you call ahead and confirm if you are eligible for the bonuses.

I just applied for the “TD Aeroplan Visa Infinite Card” on Aug 16 which was the deadline to avail the previous offer of 20K points. I see that its now 25K points! Didn’t think it would get better! Missed the 5K points 🙁

If I buy an economy ticket with Buddy Pass, how do I upgrade to Business class? And if I can’t use the Buddy Pass by expiry date, can I then convert it to get Aeroplan points each year?

Hello, would I still qualify for the welcome bonus with the TD Aeroplan Infinite card if I already have a CIBC Aeroplan Infinite Privilege card (no buddy pass)? Does it have any impact on my Aeroplan account having two cards? I’m trying to hit the minimum spend on the Privilege card for the status up offer.

Yes, you will.

“When redeemed for maximum value, these offers are worth $500 or $300, respectively.” I think you meant to write $500 or $400, respectively.

I was referring to the First Class Travel card vs the Platinum Travel card, not Expedia vs Book Any Way. Good catch though, I clarified the article.

On TD website, it says the bonus is 45,000 upon spending the first 1,000$. Can you please clarify? “Earn an additional 45,000 Aeroplan points when you spend $1,000 within 90 days of Account opening, up to a total of 65,000 Aeroplan points”

20,000 when you make your first purchase + 45,000 when you spend $1,000 = 65,000 points total.

Thanks for this clear overview. About the Buddy Pass – is the “start date” of the pass when you meet the minimum spend requirement or when the certificate actually appears in your Aeroplan account? It seems people are waiting weeks, even months, to get it, which certainly affects the expiry of the pass.

Hello. Can one person have the TD Visa Infinite and the TD Visa Platinum opened at the same time? Wondering if I need to cancel my TD Visa Infinite before applying for the Platinum. Thanks!

Yep, just opened both myself!

Hi Josh, I applied by phone today for the Platinum AP and the TD agent said that since I closed my VI card in May/20, I might NOT be eligible for the WB as it’s hasn’t been over a year. She said the WB is across all their credit cards, not based on type. I applied anyways so hope to get it.

I’d say the agent might be misinformed 😉 I was never given such a warning, just let the system run its course and hope for the best!

I was also told that as I had recently opened a new aeroplan visa infinite that if I switched my travel infinite to the platinum aeroplan I wouldn’t get the second WB.

Good day, could you comment on the “family sharing” option with these new offers. In other words, if myself and my spouse both apply for new cards, we should each get a sign up bonus. However, if your aeroplan accounts are linked to the same family plan, both sign up bonuses should end up in the “family pool”, correct?

Or is there some exclusion criteria for that?

You got it. You’ll each earn points into your individual accounts, which are merged as a family pool. More in the first section here: https://princeoftravel.com/blog/new-aeroplan-features/

I currently have the TD Platinum Travel Visa and I am thinking about making the switch to the AP Platinum card. Would it be worth the switch and to try to transfer my TD points?

Hello! Just wanted to see how the product switch went. Were you able to get the welcome bonus and buddy pass? I’m thinking of doing the same (from First Class Travel to TD Aeroplan). My FCT card was opened more than. 12 months ago.

I’am in the same situation; to switch to AP, will you be able to have the bonus Aeroplan point because it not a ‘new’ application from the AP ? Also, do you mean to transfer points for TD point to Aeroplan point, if so it possible to do that ?

I switched from the TD points to AP last night. I asked if they could convert my TD points that I have saved up into AP points. Sadly they said it is not possible to convert points so I just redeemed the points I had into cash credit. I just called the phone number behind the credit card and asked if I could have switch credit card products. No application needed. It did not affect my credit score and you will still get the welcome bonus if you didn’t open a card in 12 months.

Hi Robin Thank a lot for the information. But In my case, 8 month ago , I switch for TD Aeroplan to TD platinum (TD offer me to do that). So I don’t know what can happen if I ask to switch ‘back’ to the new TD aeroplan ?

Worth giving it a go in my view.

Loving the content and the effort you are putting into this blog Josh. Question for you: you said in the comments below that Visa platinum and Visa infinite are considered different products so PSing to a visa platinum would give me up to 20,000 points and later (let’s say hypothetically 6 months later) I can PS that card into Visa infinite to get the Visa Infinite bonus ? Also In “All About PSing” article by Ricky, he mentions that there have been some DPs that reports receiving unused TD points at 1:4 ratio. Would we have to do this before the product switch? Or can we do it retroactively after PSing to the new card?

Glad you’re enjoying my contributions so far! 😊

I wouldn’t expect to get the welcome bonus if you switch between products that earn the same type of rewards. Instead, you’d be eligible for both bonuses on new applications.

I haven’t done the 4:1 recently, but in the past I’ve been told that I could do it at the time of PS. I always recommend using your points before closing or changing a card – some banks let you keep them for 2-3 months after, but just invites a whole swath of avoidable headaches.

I do hope that CIBC will match with TD’s offers, so we have more cards to open (if you know you know 😉 ) The chance may be low though as TD is the main partner of Aeroplan, all we can do is wait and see.

Any idea if canceling the card would cancel the buddy pass, or would that remain safe in your AC/aeroplan account?

Great question. From the T&Cs:

“Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product.”

Although the T&C states “excluding new cardholders from receiving the welcome bonus if you’ve opened the same card within 12 months”, does this apply on different cards in the AP program? For example, if I opened a TD AP Visa Infinite within the last 12 months, will I be qualify for WB if I applied for the TD AP Visa Platinum now? Thanks!

Yes you’ll be eligible for both, as the Infinite and Platinum cards are different products.

I was denied for this

Great to hear! Thanks Josh! 🙂

I’m also wondering the same thing!

Is it qualified to apply it through switching from other TD credit card?

There’s no language in these offers that specifically says “new applicants only” but you should still consider if you’re eligible based on the last time you received a bonus. You can read more here .

>Also, each Aeroplan member can only earn one Air Canada Buddy Pass for each card tier (core, premium, or business) at all banks, up to a maximum of three Buddy Passes.

Whoa that seems something fairly big mentioned at the end! Not that most people would qualify for 3 buddy passes, or have use for them. Josh, do you know if this limit on an annual basis or indefinite?

It’s too early to say, as the Buddy Pass was only introduced two months ago. I think it will depend on how well the Buddy Pass is received, and if Air Canada determines that loyalty members will value it as a recurring feature going forward.

If you want to stagger the expiry dates of your Buddy Passes, it might be wise to space out your new core, premium, and business cards, and tackle each tier all at once. For example, do Visa Infinite at TD + CIBC now, VIP at both + Amex Reserve a few months later, and Business cards at all three a few months after that.

Why stagger it that way?

The Buddy Pass is valid for a year from the date it’s issued. That way you’d space them out. Obviously depends on your travel plans within the next 12 months.

Good points – thanks!

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Review: TD First Class Travel® Visa Infinite* Card

Josh Bandura Jun 20, 2024 / Card Review , TD Canada Trust / Leave a comment

Travel credit cards are our bread and butter at Frugal Flyer, and Canadians are lucky to have several great options to choose from.

The TD First Class Travel ® Visa Infinite* Card is one of our favorite choices. The card has strong earning rates, a couple of valuable benefits, and an easy-to-redeem loyalty program currency that every cardholder can find value in.

Let’s take a look at everything you need to know about the TD First Class Travel Visa Infinite Card to see if it’s worth adding to your wallet.

Welcome Bonus

The TD First Class Travel® Visa Infinite* Card currently has a welcome bonus in which new cardholders can earn up to 75,000 TD Rewards Points :

• Earn 20,000 TD Rewards Points upon first purchase with your Card†
• Earn 55,000 TD Rewards Points upon spending $5,000 in the first 180 days of account opening†

This offer has an expiry date of September 3, 2024 , so ensure you apply early enough to be approved by that date.

The TD First Class Travel® Visa Infinite* card earns TD Rewards points and gives cardholders the opportunity to earn  8x TD Rewards on purchases at Expedia for TD.

In 2024, we awarded this card as the Best Fixed Value Points Credit Card.

The TD First Class Travel Visa Infinite card has an annual personal income requirement of $60,000 or an annual household income requirement of $100,000.

Earning Rates

The TD First Class Travel Visa Infinite Card earns TD Rewards Points for all eligible purchases made on the card at the following rates:

• Earn 8 TD Rewards Points for every dollar spent on purchases at Expedia ® for TD.
• Earn 6 TD Rewards Points for every dollar spent on eligible grocery and restaurant purchases.
• Earn 4 TD Rewards Points for every dollar spent on regularly recurring bill payments.
• Earn 2 TD Rewards Points for every dollar spent on all other purchases.

There is an annual spending cap of $25,000 for the grocery, restaurant, and recurring bill payment categories. Once the cap is met for any of these categories, all future purchases in these categories will earn the standard 2 TD Rewards Points per dollar spent for the remainder of the annual period.

The TD First Class Travel Visa Infinite card has an annual fee of $139 . This is similar to the annual fee that is charged on other Visa Infinite credit cards in Canada. However, there are often welcome offers on the card that include an annual fee rebate, so check the terms of the offer before you apply.

Customers who have a TD Unlimited Chequing Account or a TD All-Inclusive Banking Account can also receive a rebate on the annual fee; double-check the details of your banking account to understand how this benefit works.

The TD First Class Travel Visa Infinite card offers a number of benefits in addition to a suite of insurance coverages.

Annual TD Rewards Points Birthday Bonus

TD First Class Travel Visa Infinite Card cardholders can receive up to 10,000 TD Rewards Points as an annual birthday bonus.

The birthday bonus is calculated as 10% of the total TD Rewards Points earned over the 12 months preceding the cardholder’s birthday. Only TD Rewards Points earned on the First Class Travel Visa Infinite Card count towards the bonus.

Annual TD Travel Credit for Expedia for TD

TD First Class Travel Visa Infinite Card cardholders will receive an annual $100 travel credit when booking travel arrangements through Expedia for TD. Eligible travel purchases include:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500 CAD or more
• A Vacation Package Purchase of $500 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging, or Vacation Rental booking packaged with a transportation booking.

It is important to note that flight bookings are not eligible for this credit, so plan accordingly before booking to avoid disappointment.

Insurance Coverage

The TD First Class Travel Visa Infinite credit card offers the following insurance coverages:

• Travel medical insurance
• Trip cancellation & trip interruption insurance
• Delayed and lost baggage insurance
• Common carrier travel accident insurance
• Car rental collision and loss damage coverage
• Purchase security
• Extended warranty protection

Conditions apply to each of the insurances mentioned above. Ensure you read the insurance certificate to understand eligibility and how the insurance coverage is applied.

Redeeming TD Rewards Points

TD Rewards Points can be redeemed for travel, merchandise, gift cards, a statement credit, or an education credit.

The best way to redeem TD Rewards Points is to use them on Expedia for TD towards travel bookings, including flights, hotels, car rentals, all-inclusive vacations, cruises, train travel, and other travel activities. TD Rewards Points are worth 0.5 cents per point when redeeming through Expedia for TD, making this the highest value option you can receive from your points.

If you aren’t interested in using Expedia for TD, the next best redemption for your TD Rewards Points is to use them towards “Book Any Way” travel expenses at a rate of 0.4 cents per point .

Through a “Book Any Way” travel redemption, cardholders can redeem their TD Rewards Points against eligible transportation expenses, accommodation expenses, and activity expenses. While your points are worth slightly less when redeeming through this option, it is more flexible as you can charge the expense to your card and then redeem afterward.

We would advise against redeeming your TD Rewards Points for any option outside of travel as the value is significantly reduced through other redemption options.

Comparable Credit Cards

If you are looking for a comparable travel credit card that offers an easy way to offset travel costs, there are a few other cards that are worth considering.

Scotiabank Passport Visa Infinite Card

The Scotiabank Passport Visa Infinite card is another popular travel credit card that we recommend to many Canadians who are looking for a card with a reasonable annual fee and great travel benefits.

The Scotiabank Passport Visa Infinite card earns Scene+ Rewards points and offers cardholders benefits such as  no foreign transaction fees and six complimentary airport lounge access passes annually.

Check out our Scotiabank Passport Visa Infinite card review for more details.

In 2024, we awarded this card as the Best Foreign Transaction Credit Card.

Scotiabank Passport Visa Infinite cardholders also receive some travel-adjacent benefits in the form of six complimentary airport lounge passes and will not be charged foreign transaction fees when making purchases in currencies other than Canadian Dollars.

Cardholders earn Scene+ Rewards points , which can also be redeemed for “Book Any Way” travel at a rate of 1 cent per point. This is another stellar card that offers great flexibility in redemption options for travel expenses that are atypical outside of the usual flight and hotel bookings.

TD Platinum Travel Visa* Card

The TD Platinum Travel Visa* Card is a good alternative if you would rather have a credit card with a lower annual fee or if you don’t meet the income requirements of the TD First Class Travel Visa Infinite Card.

The TD Platinum Travel card earns TD Rewards points and gives cardholders the opportunity to earn  5x TD Rewards  on purchases at Expedia For TD.

The TD Platinum Travel Visa Card has a lower annual fee of $89 and often includes an annual fee waiver as part of the welcome bonus. The card also has no minimal personal or household income requirements. However, it still earns TD Rewards Points making it a great option for those individuals who want to accrue an easy-to-redeem points currency to reduce their travel expenses.

The TD First Class Travel Visa Infinite Card is a good card to add to your wallet if you want to cut travel costs with an easy-to-use loyalty program, especially if you often find yourself booking travel through Expedia. If you aren’t sure if this is the right card for you, consider looking into our credit card comparison tool to see all the options that are available to you.

• Latest Posts

Josh Bandura

Latest posts by josh bandura ( see all ).

• Review: TD First Class Travel® Visa Infinite* Card - Jun 22, 2024
• Which Frequent Flyer Programs Allow Award Ticket Holds? - Jun 19, 2024
• What is the American Express (US) “Pop-Up”? - Jun 13, 2024
• Miles Ahead: The Canadian Points Podcast – Now Available! - Jun 7, 2024
• New TD Credit Card Offers (June 2024) - Jun 4, 2024

Review: Singapore Airlines Business Class (A350-900)

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Editorial Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. For complete and current information, please consult the entity's website.

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New travel, pcard and expense - office hours.

[email protected] | June 12, 2024

Mark your calendars and join us for monthly Travel, PCard and Expense Office Hours!  Starting July 9, 2024.

This is a great opportunity to stay connected to current news, updates and ongoing processing support.

WHEN?   Join us on the 2nd Tuesday of every month from 10-11:30 a.m.  

HOW TO JOIN?     Use this link to join the office hours in Microsoft Teams    ( <--- NEW LINK!!)

WHAT SHOULD I EXPECT FROM OFFICE HOURS? 

• News and Updates (system, policy or suppliers)
• Demonstrations of Workday Processes
• Chat with the Travel, PCard and Expense Team to ask questions or get guidance with policy/systems issues

WHO SHOULD JOIN OFFICE HOURS?

• Anyone who travels or is responsible for arranging travel on behalf of an employee or guest
• Anyone who is responsible for generating or approving Spend Authorizations and Expense Reports in Workday
• Cardholders, Card Managers, Card Users and individuals that support the transaction expense process
• Anyone who is responsible for generating or approving Miscellaneous Payments in Workday

WHERE DO I GET ADDITIONAL GUIDANCE OUTSIDE OF OFFICE HOURS?

• Travel Website     
• PCard Website
• Expense Website    
• Administrative Resource Center (ARC) (link is external)
• [email protected]  or 614.292.9290 (Option 1)
• [email protected]  or 614.292.9290 (Option 2)
• [email protected] or 614.292.9290 (Option 3)