TD Business Solutions Credit Card vs U.S. Bank Triple Cash Rewards Business Card
Side-by-side comparison
| TD Business Solutions Credit Card | U.S. Bank Triple Cash Rewards Business Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $400 cash back | $750 cash back |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 3% |
| Phone & internet | 2% | 3% |
| Travel | 2% | 1% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $630 |
| 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 Triple Cash Rewards Business Card |
|---|---|---|
| Welcome bonus | $400 cash back | $750 cash back |
| To earn it | $3,000 in 90 days | $6,000 in 180 days |
| Est. first-year value* | $1,300 | $1,380 |
| Est. ongoing value / yr* | $900 | $630 |
This one splits by time horizon. In year one the U.S. Bank Triple Cash Rewards Business Card is ahead by roughly $80, thanks largely to its welcome offer. But the TD Business Solutions Credit Card earns more every year after, so if you keep it, it overtakes the U.S. Bank Triple Cash Rewards Business Card after about 1 year. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the U.S. Bank Triple Cash Rewards Business Card. Planning to keep it for years? The TD Business Solutions Credit Card 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 | TD Business Solutions Credit Card | U.S. Bank Triple Cash Rewards Business Card |
|---|---|---|
| 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 Triple Cash Rewards Business Card about $630, 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 Triple Cash Rewards Business Card has no annual fee, so its rewards are all profit. Counting rewards and any credits, the TD Business Solutions Credit Card delivers more total value, about $270 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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 Triple Cash Rewards Business Card 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 advertising, shipping, travel. Pick the U.S. Bank Triple Cash Rewards Business Card if your spending leans toward office supplies, phone & internet.