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TD Business Solutions Credit Card review

Earn up to 2% Cash Back Rewards when you redeem into an eligible TD Bank Deposit Account

  • Get this card if you want cashback rewards and a bonus offer.
  • Pick something else if you want higher cash back, or a card with intro APR on balance transfers.
  • Apply with an excellent credit score of 740 or higher.
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Welcome offer

Up to 2%

Cash back


Annual fee

13.99%, 18.99% or 23.99%

Purchase APR (variable)


Annual fee$0
Welcome Offer$150 cash back after spending $1,000 in the first 90 days
Rewards1% back on all eligible purchases
Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account
Purchase APR13.99%, 18.99% or 23.99% variable
Balance transfer APR13.99%, 18.99% or 23.99% variable
Recommended minimum credit score740

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Small businesses that rely heavily on phone, Internet and cable services, as well as gas and dining purchases, may find the TD Business Solutions Credit Card is a solid option for earning rewards. These categories earn you the most points, to redeem for several different rewards.

How to apply for the TD Business Solutions Credit Card?

  1. Go to the TD Bank website and select the TD Business Solutions Credit Card. Click Apply now.
  2. Fill out the form with personal and business information.
  3. Review your application and submit it.

How long will it take to get my TD Business Solutions Credit Card?

You’ll receive a decision in the mail within 7 to 10 business days whether you apply online, by phone or in person. If you’re approved, your credit card welcome information and the card arrives with the decision.

The perks

  • Signup bonus.

    Spend $1,000 on purchases in the first 90 days from your account opening and get $150 cash back.

  • Cash back.

    Earn up to 2% Cash Back Rewards when you redeem into an eligible TD Bank Deposit Account

  • Variable APR on purchases.
    13.99%, 18.99% or 23.99%.

You’ll also like

  • No annual fee.

    You’ll get all the perks this card offers without paying an annual fee.

  • No foreign transaction fee.

    Traveling abroad with this card can save you money, with no extra fees for transactions made outside of the US. Other cards have up to a 3% fee for each transaction.

  • No penalty APR.

    Other cards may apply a penalty APR of 29.99% on your account if you miss a payment, but not this card. If you’re late, you’ll only pay a late payment fee.

  • Card security.

    Your card is protected with chip technology, zero fraud liability against unauthorized charges and an instant card replacement if it’s lost or stolen.

What to watch out for

  • No intro APR period.

    If you’re stuck paying a high APR on another card, look for a balance transfer card to help you out.

  • Credit limit.

    If you apply for this card with average credit, you could be stuck with a low $500 credit limit. If you plan to use this card on everyday expenses, you might need a higher maximum.

  • Other fees.

    Late payments come with up to a $40 fee, and returned payments with a $39 fee. For cash advances, you’ll pay either $10 or 5% of the transaction, whichever is greater.

Does this card report to personal credit?

Yes, the TD Business Solutions Credit Card reports your card activity to all three major credit bureaus — TransUnion, Equifax and Experian.

High credit utilization and late payments can negatively affect your credit. On the other hand, you could see your credit score rise if you make on-time payment and work to pay down your debts.

Compare business credit cards

Name Product Rewards Purchase APR Annual fee
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.

Compare up to 4 providers

What size business is the TD Business Solutions Credit Card good for?

Small to midsize businesses that spend a lot of money on phone, Internet, cable services, dining and gas could find this card to be a solid addition to their business.

Let’s say you spend $1,000 on phone, Internet and cable services per month, $2,000 on dining and gas, and $3,000 on everything else. With this card, you’ll earn $120 cash back per month. There’s no cap and no limits on the points you can earn, so spending more lets you earn more without worrying about a cutoff amount.

What should I know before I apply?

To apply for the TD Business Solutions Credit Card, you must be at least 18 years old and a resident of one the following states:

  • Connecticut
  • Delaware
  • Florida
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Vermont
  • Virginia
  • Washington DC

Also, you’ll need to provide information, such as:

  • Owner’s personal information.
  • Business name and address.
  • Years in business and number of employees.
  • Annual revenue.

What credit score do I need?

The TD Business Solutions Credit Card is a premium cashback business credit card. You’ll want to apply with an excellent credit score of 740 or higher and a solid revenue history for lower rates and a higher credit line.

TD Business Solutions Credit Card reviews and complaints

As of October 2020, TD Bank is not yet accredited by the Better Business Bureau since 2002 has no rating. Most customers at the BBB website complain about poor customer service and hidden fees. Make sure you read the card’s terms to avoid unpleasant surprises.

I got the card. Now what?

  • Download the TD Bank mobile app for US. With the app you can pay your bills, monitor your account, find an ATM or a bank branch near you and more.
  • Make timely payments. Late payments come with a fee of up to $40. However, unlike most other cards, you won’t get a penalty APR for missing a payment.
  • Contact customer service. Whenever you have an issue or a question regarding your TD credit cards, call 888-561-8861 for TD Bank customer support.

Bottom line

If you’re looking for a simple, no-annual-fee card for your business, the TD Business Solutions Credit Card could be a good choice. You’ll get points for your purchases to redeem for cash back, gift cards, merchandise or travel rewards. Furthermore, you’ll get an intro APR period on purchases to load up on inventories and supplies.

However, this card is not available in every state. If you live in a state where TD Bank doesn’t operate, or if you simply want to look for another card, feel free to check out other business credit cards to find the right one for your financial needs.

Frequently asked questions


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