TD Business Solutions Credit Card vs U.S. Bank Business Leverage® Visa Signature®
Side-by-side comparison
| TD Business Solutions Credit Card | U.S. Bank Business Leverage® Visa Signature® | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | $400 cash back | $600 in rewards |
| Advertising | 2% | 2% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $684 |
| Points type | Cash back only | Cash back only |
| Network | Visa | 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 | TD Business Solutions Credit Card | U.S. Bank Business Leverage® Visa Signature® |
|---|---|---|
| Welcome bonus | $400 cash back | $600 in rewards |
| To earn it | $3,000 in 90 days | $6,000 in 120 days |
| Est. first-year value* | $1,300 | $1,189 |
| Est. ongoing value / yr* | $900 | $589 |
The TD Business Solutions Credit Card wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*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 | TD Business Solutions Credit Card | U.S. Bank Business Leverage® Visa Signature® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of business spending, the TD Business Solutions Credit Card earns about $900 a year in rewards and the U.S. Bank Business Leverage® Visa Signature® about $684, valuing every point at a flat 1 cent. The TD Business Solutions Credit Card has no annual fee, so its rewards are all profit. The U.S. Bank Business Leverage® Visa Signature® charges $95, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the TD Business Solutions Credit Card delivers more total value, about $311 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and shipping. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the U.S. Bank Business Leverage® Visa Signature® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the TD Business Solutions Credit Card if your spending leans toward shipping, everything else.