With the TD Simply Flexible Business card, you control your monthly interest rate. Plus, you can facilitate accounting and record keeping, and easily track your business expenses independently from personal expenses. Zero percent introductory APR on balance transfers for the first 12 billing statements after account opening—after that, your variable APR will be 9.24 percent, 16.24 percent or 21.24 percent, based on payment. There is a fee for balance transfers. If you make a balance transfer and then use your account to make new purchases you will need to pay the entire account balance (including the transferred balances) each month in full to avoid paying interest charges on your purchases. Add authorized users so your employees can access your credit line.