American Express EssentialTM Credit Card vs TD Business Select Rate Visa Card
| American Express EssentialTM Credit Card | TD Business Select Rate Visa Card | |
|---|---|---|
| Issuer | American Express | TD Canada Trust |
| Network | American Express | Visa |
| Annual fee | No fee | No fee |
| Purchase APR | 12.99% | 11.99% |
| Cash advance APR | 12.99% | 11.99% |
| FX fee | — | — |
| Welcome (est. value) | — | — |
| Top earn rate | — | — |
| Lounge visits | — | — |
| Min. income | — | — |