The American Express Blue Business Cash™ Card vs. TD Business Solutions Credit Card

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Business owners who like a no-fuss cash back structure will want to consider these cards. Both offer 2% cash back, but some differences in features and benefits will tip the balance one way or the other. Let’s dive in.

The American Express Blue Business Cash™ Card vs. TD Business Solutions Credit Card: Side-By-Side Comparison

Welcome Offer Winner: TD Business Solutions

The American Express Blue Business Cash™ Card has this welcome offer for new cardholders: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

TD Business Solutions Credit Card has this welcome offer: Earn $250 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening..

While both cards offer the same amount of money, we’re going to give the win to TD Bank because you only have to spend half as much.

Rewards Winner: TD Business Solutions

The American Express Blue Business Cash™ Card offers cardholders 2% cash back on all eligible purchases up to $50,000 spent per calendar year. After you pass that threshold, you’ll earn just 1% cash back.

TD Business Solutions Credit Card also offers 2% cash back on purchases. The difference is that these rewards are unlimited. No worries about limiting your spending to less than $50,000 a year, because you’ll still earn 2% cash back even if you go over. We give the TD Bank card the win.

Here are the details for each card.

The American Express Blue Business Cash™ Card Rewards

TD Business Solutions Credit Card Rewards

Interest Rates Winner: Amex Blue Business Cash

Interest rates are similar, but the American Express card has slightly lower rates, and rates have a lower ceiling. Another point in its favor is the 0% introductory APR on Purchases for 12 months from date of account opening. Amex Blue Business Cash is the clear winner.

Fee Winner: Amex Blue Business Cash

Neither card has an annual fee. The biggest difference is that The American Express Blue Business Cash™ Card offers 0% introductory APR on purchases for the first 12 months from date of account opening. Not having to pay interest on purchases for the first year can come in handy if you’re just starting or expanding your business. The Amex card has slightly lower foreign transaction fees, but ideally, if you travel internationally, you’ll want to take a card with no foreign transaction fees. But we still give the nod to American Express.

Features and Benefits: TD Business Solutions

Features and benefits of these two cards are similar, but the TD Bank card gets you cell phone protection, up to $500 per claim (minus a $50 deductible), and up to two claims per year when you pay your cell phone bill with your card. Since cell phones are an essential fact of life and crucial to many small businesses, we give the win to TD Business Solutions.

Amex Blue Business Cash

TD Business Solutions

Who the The American Express Blue Business Cash™ Card is Best For

The American Express Blue Business Cash™ Card is a good card as long as you don’t spend over $50,000 in a calendar year. You can take advantage of the 0% intro APR on purchases to make some improvements to your business. Cash back is automatically credited to your account each month as a statement credit, so if you don’t want to think about rewards at all, this could be a great choice. Also, American Express is known for its great customer service.

Who the TD Business Solutions Credit Card is Best For

TD Business Solutions Credit Card is a decent credit card with a welcome offer and straightforward cash back rewards. In addition, there are some good benefits such as cell phone protection and auto collision damage waiver. One thing to keep in mind is that TD Bank is available in 16 states mostly on the East Coast, just in case you need to see someone in person. Also, cash back can only be redeemed in increments of $25.

Does it Make Sense to Get Both Cards?

Probably not; there’s a lot of overlap. The only exception is that you could use The American Express Blue Business Cash™ Card up until you hit $50,000 and then switch to the TD Business Solutions Credit Card. Neither card has an annual fee, so you don’t lose anything by applying for both.

Approval Odds

The American Express Blue Business Cash™ Card 

TD Business Solutions Credit Card 

According to our data, TD Bank will consider lower credit scores than American Express, but keep in mind that lenders consider more than just credit scores when issuing credit cards.

Bottom Line

Both the The American Express Blue Business Cash™ Card and the  TD Business Solutions Credit Card offer simple reward structures that you don’t have to think about. If you put less than $50,000 on your card in a year and want to take advantage of 0% intro APR, the American Express card is a great choice. On the other hand, if you might spend more than $50,000 and want benefits like cell phone protection, the TD Bank card is a good choice.