The TD Business Solutions Credit Card is a no-annual-fee business credit card issued by TD Bank in the U.S. Its current publicly available offer is $250 cash back after spending $1,500 in the first 90 days after account opening. It earns 2% cash back on all eligible business purchases. Its biggest advantage for small businesses, freelancers, and sole proprietors is that it’s simple to manage.
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TD Business Solutions Business Credit Card Overview
2% cash back on all purchases, hassle-free~
- Welcome bonus: $250 cash back (spend $1,500 within 90 days)
- Rewards: 2% cash back on all purchases
- Redemption: Redeem directly, starting at $25
- Annual fee: $0
- Apply now>>
Highlights
- Free employee cards. You can issue employee cards and set spending limits, which is useful for businesses with multiple people making purchases or submitting expenses. All purchases are still managed under the same business account.
- Visa Spend Clarity for Business. TD provides a business spending dashboard, reports, card controls, and integration with some accounting software. For businesses with multiple employees that need to report on spending, this tool may be more useful than earning a little extra cash back.
- Cell phone protection benefits. When eligible, pay your monthly cell phone bill with this card to receive Visa-provided coverage for damage to or theft of your phone. Coverage limits, deductibles, and exclusions are subject to the official benefits guide.
Rewards Program
Rewards on the TD Business Solutions are tracked as points: You typically earn 2 points for every $1 in eligible business purchases. When redeemed for cash, each point is worth $0.01. The minimum redemption is 2,500 points, worth $25. You can redeem points for a statement credit or transfer them to an eligible TD Bank U.S. checking or savings account.
My Take
I think this card is better suited to small businesses that have been operating for a while than to people chasing a large sign-up bonus. Its 2% cash back is not especially exceptional, but there are no category restrictions, and employee cards and Visa Spend Clarity can help manage expenses. If you already have a business card that earns strong rewards, you probably don’t need to apply just for the $250 bonus. But if you regularly use TD Bank’s banking services and want a simple, no-annual-fee card for business expenses, this could be a good fit.
Applying
- Eligible locations: TD’s U.S. credit cards are primarily available to residents of CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, and Washington, D.C. They are not available nationwide.
- Business information: Common application details listed on the official website include the applicant’s name, address, SSN, and income, as well as the business name, address, industry, years in operation, revenue, and EIN (if applicable). Sole proprietors may apply using their actual business structure.