American Express Blue Business Cash Card vs TD Business Solutions Credit Card
Side-by-side comparison
| American Express Blue Business Cash Card | TD Business Solutions Credit Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $250 statement credit | $400 cash back |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Cash back only | Cash back only |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | American Express Blue Business Cash Card | TD Business Solutions Credit Card |
|---|---|---|
| Welcome bonus | $250 statement credit | $400 cash back |
| To earn it | $3,000 in 3 months | $3,000 in 90 days |
| Est. first-year value* | $1,150 | $1,300 |
| Est. ongoing value / yr* | $900 | $900 |
This one splits by time horizon. In year one the TD Business Solutions Credit Card is ahead by roughly $150, thanks largely to its welcome offer. But the American Express Blue Business Cash Card earns more every year after, so if you keep it, it overtakes the TD Business Solutions Credit Card over the long haul. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the TD Business Solutions Credit Card. Planning to keep it for years? The American Express Blue Business Cash Card pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | American Express Blue Business Cash Card | TD Business Solutions Credit Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of business spending, the American Express Blue Business Cash Card earns about $900 a year in rewards and the TD Business Solutions Credit Card about $900, valuing every point at a flat 1 cent. The American Express Blue Business Cash Card has no annual fee, so its rewards are all profit. The TD Business Solutions Credit Card has no annual fee, so its rewards are all profit. These two are about as close as cards get: both pay a flat 2x on everything, neither charges an annual fee, and on that spending they finish within a few dollars of each other. The choice is not really about the rewards rate. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. One tiebreaker: the TD Business Solutions Credit Card adds rotating 5 percent bonus categories, which the other does not. On the sign-up bonus, the TD Business Solutions Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.