TD Business Solutions Credit Card Review
Overview
The TD Business Solutions is a simple, strong no-fee business card: an unlimited flat 2% cash back on everything, plus a generous $400 welcome bonus. For a small business that wants easy cash back without a fee, that is a clean and appealing combination.
One important thing to know: unlike most business cards, TD business cards report to your personal credit and DO count toward Chase’s 5/24 rule. If you are working a Chase-heavy application strategy, factor that in. And as always with TD, availability is mostly Eastern U.S.
Think twice if: you are managing a Chase 5/24 strategy, because this business card counts against it, unlike most.
Our 3.5 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
You earn an unlimited flat 2% on all business purchases, with no categories and no caps, plus free employee cards. Two percent on everything is a strong, no-fuss rate for a business, and there is nothing to optimize.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 2% back | Base rate |
| Groceries | 2% back | Base rate |
| Gas | 2% back | Base rate |
| Travel | 2% back | Base rate |
| Streaming | 2% back | Base rate |
| Everything else | 2% back | Everything else |
The fine print on rates: Unlimited flat 2% business cash back. NOTE: unlike most business cards, TD business cards report to your personal credit and DO count toward Chase 5/24. TD Bank operates mainly in the Eastern U.S.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- No annual fee
- Unlimited flat 2% on all business purchases
- Strong $400 welcome bonus
- Free employee cards
- Counts toward Chase 5/24, unlike most business cards
- TD is mostly an Eastern-U.S. bank, so availability is limited
- Cash back only, no transfer upside
The welcome bonus
The welcome is strong: $400 cash back after $3,000 in 90 days. That is a generous bonus for a free business card.
Is the annual fee worth it?
There is no annual fee, so there is nothing to justify. Flat 2% business cash back plus a $400 bonus for free is a good deal, with the caveat that it affects your 5/24 count, which most business cards do not.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- No rotating categories and no caps
- Strong $400 welcome bonus after $3,000 in 90 days
- Free employee cards
- Counts toward Chase 5/24 (TD business cards report to personal credit)
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you run a small business in TD’s region and want simple, uncapped 2% cash back with a strong welcome bonus, this is a fine free card, there is very little to think about, which is a virtue.
The one group that should be careful is anyone protecting their Chase 5/24 count, since this business card counts against it. For everyone else, it is a solid, straightforward business earner.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of July 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
