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  TD Business Solutions Credit Card

TD Business Solutions Credit Card

in Business Credit Cards from TD Bank

Claimed

TD Business Solutions Credit Card

Claimed

in Business Credit Cards from TD Bank

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Highlights
Purchase APR  (Variable APR) 13.99% - 23.99%
Balance Transfer APR  (Variable APR) 13.99% - 23.99%
Credit Score Range 650 - 850
Annual Fee $0

TD Business Solutions Credit Card Review

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
  • Signup bonus. Offers a signup bonus of $150 if you spend $1000.
  • Competitive APRs. TD Business Solutions Credit Card has a variable purchase APR that ranges from 13.99% up to 23.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. TD Business Solutions Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of TD business Solutions credit card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases .
  • No annual fee.
  • No foreign transaction fee.
  • TD Business Solutions Credit Card reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
TD business Solutions credit card FAQ

Who is TD business Solutions credit card designed for?

This is a credit card issued by TD Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 13.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 23.99%.

It also has a variable cash advance APR of 25.24%.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business card does offer an introductory APR rate on new purchases of 0%

TD business Solutions credit card Rates & Terms
Purchase APR 13.99% - 23.99%
Balance Transfer APR 13.99% - 23.99%
Cash Advance APR 25.24%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $40.
  • A returned payment fee of up to $39.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

TD business Solutions credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee $39
Late Payment Fee up to $40

Does it offer a cash back rewards program?

The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Internet, Cable and Phone Services
  • Every Purchase
  • Gas stations
  • Restaurants

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (833) 259-5980.

What is the support contact email?

The support contact email for this business credit card is customer.service@td.com.

Does TD Business Solutions Credit Card report your account activity to credit bureaus?

Yes, TD Business Solutions Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the TD Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From TD Business Solutions Credit Card

Earn up to 2% Cash Back Rewards when you redeem into an eligible TD Bank Deposit Account. Earn 1% Cash Back on purchases. Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account. 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 unlimited Cash Back – no rotating categories, no caps or limits as long as your credit card account is open and in good standing.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 5%
Cash Advance Fee Minimum $10
Late Fee Amount Up to $40
Minimum Cash Advance Fee ($) $10
Minimum Interest Charge $1
Returned Payment Fee $39
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Bonus Rewards Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
Rewards Rates
  • Internet / Cable / Phone Services
  • Gas
  • Restaurants
  • Every Purchase
Signup Bonus Starting at $150
Balance Computation Average Daily Balance (including Current Transactions)
Cash Advance APR (Variable APR) 25.24%
Purchase APR (Variable APR) 13.99% - 23.99%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period Starting at 3
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 13.99% - 23.99%
Card Network Visa
Card Type
  • Cashback
  • Zero Percent

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