TD Business Solutions Credit Card Review 2023: Business Credit Card with No Fees

You can benefit from your business expenses by having a credit card. The TD Business Solutions Credit Card offers a cashback business credit card that has no annual fee and a decent sign-up bonus. TD Business Solutions Credit Card Review: This is not the most prestigious business credit card, so if you are looking for luxurious perks, this may not be the best card for you. Read on to learn more about this card and its benefits.

Is The TD Business Solutions Card Right For You?

If you enjoy earning cash back on your business expenses, this TD Business Solutions credit card may be of interest to you. If you frequently spend in these categories, this credit card will be perfect for you. It has decent earning rates in common business spending categories: internet, telephone, cable, dining, and gas stations.

TD Business Solutions does not offer an introductory APR for balance transfers, so if you are looking to transfer existing credit card debt over and pay it off over time, you will need to find another business credit card.

In addition, frequent business travelers may benefit from a different business credit card due to the foreign transaction fee. Although the TD Business Solutions card offers decent cashback rewards, it lacks the travel perks you’ll find with other credit cards, such as lounge access, priority boarding, baggage waivers, etc.

Advantages And Perks Of TD Business Solutions Credit Cards

• The card offers a generous welcome bonus that includes $250 cash back after spending $1,500 in the first 90 days. Other business cards may offer higher bonuses, but this one is very generous.
• The TD Business Solutions card offers 1% cash back on eligible purchases, plus an additional 1% when redeeming into a TD Bank account, for a total of 2% back on purchases.

There Are Some Drawbacks To The TD Business Solutions Card

• There is no 0% intro APR offer with this business credit card, unlike some other cards.
• The TD Business Solutions credit card does not offer any additional travel benefits or protections.

Earnings Methods

To earn the $250 sign-up bonus, you need to spend $1,500 on the card within the first 90 days of account opening. Although it is not the best business card bonus available, it is not the worst.

TD offers free employee cards, which you can provide to your employees. There is no specific limit to the number of employee cards you can provide, but TD may have a maximum limit.

Earning The Most Possible

A minimum of 2,500 points is required to redeem your cashback rewards with the TD Business Solutions Credit Card. Cashback is available in the form of a statement credit or a direct deposit into your bank account.

When redeemed for cash back or other redemptions such as gift cards or travel, points are worth one cent each. You may also redeem points for merchandise. However, this redemption will not provide the best value. You can redeem points by visiting TDCardServices.com or calling 1-888-561-8861. TD’s rewards site is the only place to redeem travel points; you cannot transfer points to other travel partners.

As long as your account is open and in good standing, TD points do not expire.

The TD Business Solutions Credit Card Review FAQs

How Good Is The TD Business Solutions Credit Card?

Although the TD Business Solutions Credit Card has no annual fee and earns cashback rewards on spending, there are few benefits beyond that.

For The TD Business Solutions Card, What Is The Minimum Credit Score Required?

You will need an excellent credit score – a FICO score of 800 or higher – to qualify for the TD Business Solutions Credit Card. If your credit score is not at that level yet, you may wish to consider obtaining a business credit card with a good or fair credit score.

Which Credit Cards Does TD Bank Issue?

Four credit cards are currently available from TD Bank. The TD Cash Credit Card provides consumers with no-fee cashback, while the TD First ClassSM Visa Signature® Credit Card offers travel rewards. The TD Business Solutions Credit Card is TD’s business card, while the TD Cash Secured Credit Card can help you build or repair your credit. The right card for you depends on your specific requirements.

Is The TD Business Solutions Card Reported To My Credit Report?

The TD Business Solutions card account is reported to consumer credit reporting agencies but not to business credit reporting agencies.

Which Credit Card Is Best For Small Businesses?

The best credit card for your small business will depend on your specific needs. Whether you need a travel rewards card, a cash-back card, or a secured card, there is a credit card to meet your needs.

Consider These Other Cards

Consider applying for the Ink Business Cash® Credit Card if you spend a significant amount of money on office supplies. In addition to earning 5% cash back from office supply stores and internet, cable, and telephone services (up to $25,000 combined annually), it earns 5% cash back from Lyft, 2% cash back from gas stations and restaurants (up to $25,000 combined annually), and 1% cash back for everything else. No annual fee is required, and new card members can earn $900 in bonus cash back after spending $6,000 within the first 3 months (limited-time offer).

With Capital One Spark Cash Plus, you can earn 2% cash back on all purchases every day, as well as 5% cash back on hotels and rental cars booked through Capital One Travel for straightforward rewards that are easier to track and manage. You are eligible for the same rewards regardless of the category of business spending. Additionally, it offers a higher early spend bonus than the TD card. This card offers new customers a $1,000 cash bonus – $500 after spending $5,000 in the first three months and $500 after spending $50,000 in the first six months after account opening.