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CardCurator — Rewards Intelligence
Quick Answer

The Citi Thank You and TD Business Solutions Credit Card are closely matched. Citi Thank You wins on 1 categories (no current bonus); TD Business Solutions Credit Card wins on 1 ($400 signup bonus). The better pick depends on your spending patterns.

Card Comparison

Citi Thank You vs TD Business Solutions Credit Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Thank You card art
Citi ThankYou Points
Citi Thank You
Citi
More Info
TD Business Solutions Credit Card card art
TD Bank Cash Back
TD Business Solutions Credit Card
TD Bank
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
3%
Signup Bonus
None
$400 credit
Spend $3,000 in 3 months
was 25k pts
Top Earn Rates
  • Gas Stations 5x
  • All Other Purchases 1x
  • All Purchases 2x
Reward Type
miles
cashback
Pts Value
~1.90¢/pt points · industry est.
~1.00¢/pt cash back dollars · industry est.
Key Credits
None
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Accor Live Limitless
  • Accor Live Limitless
  • Avianca LifeMiles
  • +33 more
Cash back only
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Common Questions: Citi Thank You vs TD Business Solutions Credit Card

Is the Citi Thank You or TD Business Solutions Credit Card better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Citi Thank You currently offers no current bonus. TD Business Solutions Credit Card offers $400 signup bonus (spend $3,000 in 3 months). TD Business Solutions Credit Card has the larger bonus.

Which card is better for international travel?

Citi Thank You charges no foreign transaction fees — the better pick for international use. TD Business Solutions Credit Card charges 3% on foreign purchases.

Can I hold both the Citi Thank You and the TD Business Solutions Credit Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Thank You is from Citi and TD Business Solutions Credit Card is from TD Bank, so they're governed by separate bank policies.