Why consider it: Business card. For businesses seeking flat cash back across employee and operating purchases. No annual fee.
Trade-off: Confirm application availability and employee-account terms; borrowing costs can outweigh the cash rewards. An eligible business activity is required.
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$250Total$250Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $250
- Welcome offerAfter $1,500 in 90 days
- $250
on TD's website
- Features
- Issuer
- TD
- Network
- Program
- Cash Back
- Fees and terms
- Annual Fee
- $0
- Min. annual income
- —
- Interest rates
- Purchases
- 17.49 %
- Cash advance
- 28.74 %
- Balance transfer
- 17.49 %
- Foreign transaction fee
- 3 %
Issuer terms
Welcome offer
- Bonus: a $250 statement credit, awarded as 25,000 bonus points.
- Required spending: $1,500 in eligible net purchases within 90 days of account opening.
- Timing: TD states that the bonus appears within 6 to 8 weeks after you meet the eligibility requirements. Your account must be open and in good standing.
- Eligibility: the offer applies to new accounts opened in response to this specific offer. It is not transferable. TD excludes accounts opened under another offer and applicants who previously received a one-time bonus on this account or another account with TD.
- Excluded bonus purchases: cash equivalents, money orders, gift cards, and gift-card reloads do not qualify.
Cash back
Earn 2 points per dollar of eligible purchases, after returns, credits, and adjustments. Cash back is available from 2,500 points, with each point worth $0.01.
You can request a statement credit or a deposit into a U.S. TD Bank checking or savings account. You must still make at least your minimum monthly payment.
Balance transfers, cash advances, fees, interest, and other transactions excluded by the program rules do not earn points. Points do not expire while your account remains open and in good standing. Different forfeiture rules apply after closure or default.
Rates and fees
There is no annual fee. The published offer does not advertise an introductory 0% APR.
For purchases and balance transfers, TD lists these variable APRs, depending on creditworthiness:
- 17.49%
- 20.49%
- 22.49%
- 25.49%
- 27.49%
These APRs vary with the Prime Rate. Other published rates and charges are:
- Cash-advance APR: 28.74%, variable with the Prime Rate.
- Balance-transfer fee: $5 or 5% of each transfer, whichever is greater.
- Cash-advance fee: $10 or 5% of each advance, whichever is greater.
- Foreign transaction fee: 3% of each transaction in U.S. dollars.
- Minimum interest charge: $1 if interest is charged.
- Late-payment fee: up to $40.
- Returned-payment fee: $39.
Interest on balance transfers and cash advances starts on the transaction date. To avoid purchase interest, pay the entire balance by the due date, which is at least 25 days after the billing cycle closes.
Eligibility and liability
Approval depends on TD’s income, residency, age, credit, and other requirements. Applicants must be at least 18 years old. No specific credit-score threshold is promised here.
The applicant is personally liable for all balances on the account and all cards issued under the application. TD states that this account is reported to consumer credit reporting agencies, not business credit reporting agencies.
Insurance and assistance
The Visa Guide to Business Benefits contains the conditions, exclusions, and claim deadlines. Cell phone coverage requires payment of the qualifying wireless bill before the incident month. The guide excludes phones that are lost or mysteriously disappear.
Roadside Dispatch is a pay-per-use service. Travel and emergency assistance coordinates services; you are responsible for the cost of services arranged.
See TD’s official product offer and credit card terms for the full conditions.
- Purchase protection
- Coverage
- Purchase Protection
- $10,000 · 90 days
- Extended Warranty
- +1 year
- Mobile Device
- $500
- Auto Rental Collision (secondary, primary for business rentals, primary abroad)
- 31 days
Pros
- No annual fee
- Welcome bonus of $250
- 2x on groceries
- 2x at restaurants
Cons
- Fewer premium perks
The TD Business Solutions Credit Card earns 2% cash back on eligible purchases with no annual fee. It suits a business owner who wants one rewards rate across everyday expenses.
The welcome offer provides a $250 statement credit after $1,500 in eligible purchases within 90 days of account opening. TD awards 25,000 bonus points for this offer, equivalent to that $250 credit. The account must remain open and in good standing. Previous bonus recipients may be excluded under TD’s terms.
How the rewards work
You earn 2 points per dollar of eligible net purchases. Each point is worth 1 cent when used for cash back, producing the advertised 2% rate…
