The TD Business Solutions Credit Card is a good credit card for small business owners with good personal credit who want to earn cash back rewards at an attractive rate without having to deal with bonus categories or limits. It gives 2% cash back and has a $0 annual fee, so it’s worth getting as long as you avoid interest. 

This card is especially worthwhile if you can comfortably spend enough to qualify for its initial bonus. That adds several hundred extra dollars to its value. But if you don’t pay the bill in full every month, a high APR will strip you of your savings.

What I Like About the TD Business Solutions Credit Card

$250 initial bonus

This bonus, which you can earn by spending $1,500 in the first 90 days your account is open, is significantly bigger than the average cash bonus offer available right now ($229), according to WalletHub research. 

Some business credit cards do offer larger bounties, but they generally require you to spend a lot more to get them. So, this is a great option for more moderate-spending businesses. 
 

2% cash back on purchases

This flat rewards rate is about twice as high as the average rewards rate available from a credit card at the moment. It’s great for small business owners who make a wide variety of purchases or simply don’t want to waste time worrying about which credit card’s bonus rewards will give them the best return for a particular expense. 
 

0% for 12 billing cycles on purchases

This introductory APR could save you money on interest. For context, the average 0% period is 11 months for purchases. 
 

$0 annual fee

Without an annual fee, you won’t have to spend a certain amount each year just to earn enough rewards to break even. This makes the TD Business Solutions Credit Card a good card for light-spending business owners, those who plan to use the card sporadically, and those who don’t want to add another card with an annual fee to their current collection. 
 

Helpful secondary benefits

You can get free cards for employees, cell phone protection, and other perks. None of these benefits are particularly unique, but they can be useful. 

What I Don’t Like About the TD Business Solutions Credit Card

18.24% - 28.24% (V) APR

The TD Business Solutions Credit Card is not the solution for small businesses in search of financing help. It has a high regular APR, which could be anywhere from 18.24% to 28.24% (V) depending on your overall creditworthiness, and it doesn’t offer a low-interest introductory promotion. 

If you want to save on interest, check out the best 0% APR business credit cards instead. 
 

3% foreign transaction fee

If you do business internationally, you should not use this card when you travel abroad or make purchases from foreign vendors. You should use a business credit card with no foreign fees for that. 
 

Only available in 15 states and D.C. 

You can only get the TD Business Solutions Credit Card if you live in one of these areas:

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

Requires good credit 

You need good credit personally to qualify for this card. You should have good odds of approval if your credit score is 700 or higher. You can check your credit score for free right here on WalletHub.