American Express® Blue Business Plus vs TD Business Solutions Credit Card
Side-by-side comparison
| American Express® Blue Business Plus | TD Business Solutions Credit Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 15,000 Membership Rewards® Points | $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 | Transfers to airlines & hotels | 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 Plus | TD Business Solutions Credit Card |
|---|---|---|
| Welcome bonus | 15,000 Membership Rewards® Points | $400 cash back |
| To earn it | $3,000 in 3 months | $3,000 in 90 days |
| Est. first-year value* | $1,050 | $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 $250, thanks largely to its welcome offer. But the American Express® Blue Business Plus 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 Plus 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 Plus | TD Business Solutions Credit Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable to airline & hotel partners | Cash back only |
On perks and redemptions, the American Express® Blue Business Plus earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the American Express® Blue Business Plus earns transferable points. Its Amex Membership Rewards move to Delta, ANA, Air France-KLM Flying Blue, Virgin Atlantic, plus Hilton and Marriott, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The TD Business Solutions Credit Card pays flat cash back, worth about a cent, so its ceiling is nearer a penny per point no matter how you redeem.
The verdict
On a typical year of business spending, the American Express® Blue Business Plus 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 Plus 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. The bigger difference is the ceiling: the American Express® Blue Business Plus earns points you can move to travel partners for outsized value, while the TD Business Solutions Credit Card pays plain cash back. Favor the American Express® Blue Business Plus if you will use travel transfers, the TD Business Solutions Credit Card if you want simplicity. One tiebreaker: the American Express® Blue Business Plus adds no foreign transaction fees, 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.