TD Business Solutions Credit Card
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The TD Business Solutions Credit Card is for business owners who enjoy a simple cash back rewards system. You’ll earn 2% cash back on all eligible purchases, with no spending caps, categories, or limits. There’s a welcome offer to sweeten the deal, and you get cell phone protection when you use your card to pay the bill. We dive into the details and your approval odds in this TD Business Solutions review.
Our Rating
4.5/5.0
Welcome Offer
Earn up to $750 in Cash Back value
Annual Fee
$0
0% Intro on Purchases
N/a
Reward Rate
2% cash back
0% Intro on Balance Transfers
N/a
Welcome Offer
Limited Time Offer: Earn up to $750 in Cash Back value. Earn $250 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening. Earn 5% Cash Back on all eligible purchases for 6 months or up to $10,000 in spend, up to $500 in Cash Back value.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, PayPal |
| Benefits | Cell Phone Protection, Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Regular APR | 19.24%, 24.24% or 29.24% variable (V) APR |
Insurance
Cell Phone Insurance
Get reimbursement for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card.
Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered card. Recurring payments can be set up at tdbank.com or directly with your cell phone service provider.
Extended Warranty
Extended Warranty Protection will add up to one additional year of coverage on select items that you purchase with your Business Solutions Credit Card.
Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa Signature® credit card or Visa Business Solutions card to secure transactions. For complete terms and conditions, please review the TD Credit Card Visa Guide to Benefits or the TD Credit Card Visa Guide to Business Benefits.
As long as your account is in good standing as defined by your credit card agreement, you will be eligible for these benefits.
Purchase Protection
When you use your TD Business Solutions Credit Card to purchase an eligible item, Purchase Security can replace, repair or reimburse your item up to $10,000 per claim and $50,000 per cardholder within the first 90 days in the event your item is stolen or damaged.
Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa Signature® credit card or Visa Business Solutions card to secure transactions. For complete terms and conditions, please review the TD Credit Card Visa Guide to Benefits or the TD Credit Card Visa Guide to Business Benefits.
Car Rental Loss and Damage Insurance
When you use your TD Bank Visa to rent a vehicle, you’ll get built-in coverage for physical damage, vandalism and theft, reasonable and customary towing.
Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered card. Recurring payments can be set up at tdbank.com or directly with your cell phone service provider.
As long as your account is in good standing as defined by your credit card agreement, you will be eligible for these benefits.
What Credit Score Is Required to Get the TD Business Solutions Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 648
Average Approved Credit Score: 718
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/24/2023 | Equifax | ||
| Approved | 04/24/2023 | TransUnion | ||
| Approved | 04/24/2023 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- 2% cash back
- High APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Capital One Spark Cash Plus
Rating
4.8
Rewards Range
2% to 5%
Annual Fee
$150
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee