Update 5/20/26: The old $400 version after spending $3,000 is back. Also 0% APR on purchases for 12 months. (ht FM)
Update 10/28/24: New $750 cash back offer, details here. The card now earns a flat 2% everywhere.
Update 4/24/22: The bonus is BOOK back to $400 (ht reader Brian)
Update 7/25/21: Card bonus is down at $150 now. They’ve also upgraded the card from a 3/2/1 card to a straight 2% cash back card everywhere – you get 1% cash back and 1% other cash back when redeemed at a TD Bank deposit account. (Not sure if you can deposit it into a TD Bank consumer deposit account or just a business deposit account to get the 1% bonus); Update 10/19/19: Bonus is now $300 again; Update 7/9/19: Bonus increased to $400 with the same $3K spending requirement. Updated image below; Update 4/4/19: Bonus is $300 again, bonus on personal card now $200 too. Hats off to him sexy_kitten7
Basics of the Charter
TD offers Business Solutions Visa credit card. In this review we will look at whether it is worth signing up for this card or not.
- $400 sign up bonus after $3,000 spent within 90 days of account opening
- No annual fee
- The card earns the following fees:
- 3% cash back on phone, internet and cable services
- 2% cashback on dining and gas stations
- 1% cashback on all other purchases
- 0% introductory APR for six months
- Only available to those in the following states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT and VA
Our verdict
Previously, this card only offered 1% cash back on all purchases, so the 3% and 2% categories are new. As you can earn 2%+ cashback on all purchases the 1%/2% categories on this card are useless (even more so when you consider that there are better opportunities for Restaurants & gas stations). 3% for phone/internet and cable services is not that attractive either considering other options. $300 is one of the best cash signup bonuses however, the $3,000 minimum spend requirement is quite high.
Just keep in mind TD reports business cards to your personal credit bureau. You can read more about TD Bank credit cards by clicking here.
