Tdbank activate

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Amex Blue Cash Pref, limit 10k, opening Jan '21 (Primary card)
  • Amazon Prime Chase, limit 2k??, opened '18 (Use for amazon & WF only)
  • Discover ChromeIt, limit 6k, opened '17 (Rarely use)
  • BofA Travel Rewards, limit 3k, opened '17 (Rarely use)
  • Target (via TDBank), limit ?, opened Jan '21 (Only use at Target)
  • Amex Green Corporate, not sure if this is relevant. opened '20
• * FICO Scores with source
  • TransUnion 801
• * Oldest credit card account age with you as primary name on the account: (example: 3 years - do NOT include cards you are an authorized user on)
  • 4 years primary. 24 years authorized user.
• * Number of personal credit cards approved for in the past 6 months:
  • 0
• * Number of personal credit cards approved for in the past 12 months:
  • 2
• * Number of personal credit cards approved for in the past 24 months:
  • 2 (Corporate does not show on credit report, so excluding it here)
• * Annual income $:
  • 60-100k

CATEGORIES

• * OK with category-specific cards?:
  • YES - I want a category specific card that provides 4%+ CASH back on resturants, bars, hotels, airfare, train, parking. I spend a very small amount of my spending in these categories but right now I am only getting 1.5% back on my Amex with these.
• * OK with rotating category cards?:
  • Not ideal. Would consider if there is a good reason to.
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 100-200/month
  • * Groceries $: 0 (6% back on Amex for this, so it is out of scope for this discussion)
  • * Gas $: 50-100/month (3% back on Amex, but maybe could do better)
  • * Travel $: $100/month train tickets, <$1000/year on airfare & hotels combined
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?:
    • No. Fee free foreign currency would be nice though, I do travel abroad sometimes.
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $
    • No. Goal here is travel/dining/airfare/hotel only.
  • * Any other significant, regular credit card spend you didn't include above?: $
    • No
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $
    • No

MEMBERSHIPS

• * Current member of Amazon Prime, Costco, Sam's Club, or a Verizon postpaid customer?:
  • Prime
• * Current member of Chase, US Bank or any other big bank?:
  • CC w/ Chase but I do not bank at Chase.
• * Active US military?:
  • No
• * Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy)
  • No side gig

PURPOSE

• * What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards
  • CASH BACK (I don't like points. I just want $). On spending that fits the following categories: dining, airfare, hotels
• * Do you have any cards you've been looking at?
  • Looked at Amex Green and Gold. Both are points based cards, not cash back. Maybe I could get used to that, but I find cash back so much simpler. I also don't spend enough in these categories to justify an annual fee card.
  • Looked at Citi Custom Cash card. Looks like 5% on highest spend category. This could be the ticket for me- and I'd just only use it for travel/hotel/airfare etc and thus it'd always be my highest category.
    • edit: Looks like these are the categories. They separate out restaurants, travel, and transit. Not ideal, but I think an ok contender thus far.

> 5% eligible categories: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment.2
​
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Thanks all.

I have a TD Bank Visa giftcard and i can't use it until i activate it. However, the site that i am supposed to activate from loads insanely slow and i know it's not my internet because no other sites do this. This makes it constantly say "Link invalid" every time i try to activate the card or do much of anything at all. What can i do?

Looking for a second card and/or third card to maximize gas, grocery and restaurant spending.

• Current cards: (list cards, limits, opening date)
  • Capital One Quicksilver opened March 2021 $3k limit
• FICO Score: 739 fico
• Oldest account age: 5 years car payment
• Income: $101,500 /yr
• Open to Business Cards: No
• What's the purpose of your next card? Maximizing cash back in groceries and gas/Travel rewards
• Do you have any cards you've been looking at? No
• Cards I’m looking at: Amex Gold, CSP, CFU, AMEX BCP/BCE, BofA Customized Cash Rewards, Citi Custom Cash and Citi Premier

CATEGORIES

• OK with category-specific cards?: Yes
• OK with rotating category cards?: No
• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  
• Dining $: 180
  
• Groceries $: 200
  
• Gas $: 160
  
• Travel $: 0 but occasionally buy plane tickets for seeing in-laws and a vacation
  
• Do you plan on using this card abroad for a significant length of time (e.g. study abroad, digital nomad, expat, extended travel)?: No
  
• Other categories or stores with significant, regular credit card spend (please break down, e.g. public transit, phone/internet, Amazon, online shopping): NA
  
• Can you pay rent by credit card? If yes, mention any fee for paying by card: No
  
• Any other significant, regular credit card spend you didn't include above (e.g. insurance bills, tuition, or just "general" spending)?: No
  

MEMBERSHIPS

• Current member of Amazon Prime, Costco, Sam's Club, or a Verizon postpaid customer?: Amazon Prime and Costco- yes, costco and Amazon Prime
• Current member of Chase, US Bank or any other big bank?: TDBank and Charles Scwhab- yes have a BofA checking
• Active US military?: no
• Are you open to Business Cards?: (e.g. if you have a side gig selling on eBay or Etsy)- No

PURPOSE

• What's the purpose of your next card (choose ONE)?: I want a card that gets good/great rewards/cash back on groceries, gas and restaurants.
• If this is your first credit card, are you an authorized user on any other cards (e.g. AU on parent's card)? First card, authorized user on fathers card. -No
• If looking for a rewards card, do you prefer cash back or travel points/miles? -It doesn’t matter truly I don’t travel a lot but I like the idea of having a large amount points banked up to splurge on a first class seat. I don’t mind a fee as long as the fee justifies the card’s perks
• If looking for a travel rewards card, do you have preferred airlines and/or hotels? No
• Do you have any cards you've been looking at? No

CREDIT PROFILE

• * Current credit cards you are the primary account holder of: (list cards, limits, opening date): None
• * FICO Scores with source (see note on FICO score sources below): None
• * Oldest credit card account age with you as primary name on the account: None
• * Number of personal credit cards approved for in the past 6 months: Haven't applied yet
• * Number of personal credit cards approved for in the past 12 months: Haven't applied yet
• * Number of personal credit cards approved for in the past 24 months: Haven't applied yet
• * Annual income $: $75k

CATEGORIES

• * OK with category-specific cards?: Yes
• * OK with rotating category cards?: No
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 180
  • * Groceries $: 300 monthly at Costco, 50 at ShopRite
  • * Gas $: 120
  • * Travel $: 200
  • * Do you plan on using this card abroad for a significant length of time (e.g. study abroad, digital nomad, expat, extended travel)?: No
  • * Other categories or stores with significant, regular credit card spend (please break down, e.g. public transit, phone/internet, Amazon, online shopping): $
  • * Can you pay rent by credit card? If yes, mention any fee for paying by card: $ No
  • * Any other significant, regular credit card spend you didn't include above (e.g. insurance bills, tuition, or just "general" spending)?: $ No

MEMBERSHIPS

• * Current member of Amazon Prime, Costco, Sam's Club, or a Verizon postpaid customer?: Amazon Prime and Costco
• * Current member of Chase, US Bank or any other big bank?: TDBank and Charles Scwhab
• * Active US military?:
• * Are you open to Business Cards?: (e.g. if you have a side gig selling on eBay or Etsy)

PURPOSE

• * What's the purpose of your next card (choose ONE)?:First card, plan to pay for general things: gas, food, travel, gym membership, phone bill, student loan payments, etc.
• * If this is your first credit card, are you an authorized user on any other cards (e.g. AU on parent's card)? First card, authorized user on fathers card.
• * If looking for a rewards card, do you prefer cash back or travel points/miles? Cash back although I travel 2-3 times a year so I would consider getting travel points if recommended
• * If looking for a travel rewards card, do you have preferred airlines and/or hotels? No
• * Do you have any cards you've been looking at? No

Greetings fellow hunters. It has been a while since I've been active here or as a coin roll hunter, as life has been quite busy and plus COVID continues to keep me from going into public establishments.
This is one of the most exciting hobbies I've had, and its cool to share in the excitement with you all. I have scored some amazing jackpots (look up my post history), and mastered the art of the hunt, I am the sloppy edge-checking silver plucker. I would buy 5K in halves and spend a Saturday going through them, and then dumping the clad in my various dump bank's machines around town.
Back when I lived in the New York/New Jersey area, TDBank had their coin machines called the Penny Arcade (I'm sure a few of you remember these). They were shut down due to issues with the counting of the machine, however as a good coin roll hunter, I always knew how much I was due back, and never lost more than a dollar or two in the extent of my heavy hunting days.
These machines were magical, and TDBanks with them plentiful. They had a "reject tube" that would spit out all sorts of treasure that follks wouldn't bother to check. This tube would often get clogged up with coins, many of which were silver! This made dumping coins around town as exciting as doing the search, and drastically increased the finds. Since these machines filled up at approximately $500, someone from the bank almost always had to change out. the bags while I was there. During that time, I would be able to claim any coins that were stuck at the back of this long PVC pipe. Over my stint with TDBank, I easily accumulated hundreds, if not over $1000 in silver, clad, and even gold and silver jewelry.
I miss the days of the TDBank Penny Arcades, and all the treasure in their reject tubes.
Happy Hunting my friends, and thanks for being a part of this little community!
Cheers!
-WB

Hey, everyone.
First, this sub has been absolutely monumental in getting me to take the dive into credit rewards, you all are seriously great!
I (P1, 32m) just started getting in to the credit card rewards game in January of this year. I've had cards before, but this is the first time that I've been intentional in how I use them for the benefit of me and my family. I opened a CFU (13,500) on 1/7, and a CSP (12,100) on 3/29 in branch with the AF waived, grocery credit, and 80k bonus, and I'm just a couple hundred away from completing the 4k spend on it. I've got good credit (809 Fico 8), but my wife (P2, 30f), has struggled to build and maintain her credit, sitting at 674 Fico 8. She's an AU on each of the Chase cards above, but I'd like to get her a Chase card or two in order to add to our points and continue building her credit. I was hoping she could get her own CSP with the signup bonus so we can combine points, but I don't think her credit score will merit it. Another strategy might be to apply for the Ink Business Cash, since we have a side hustle, and continue to build her credit up for a CSP down the road. The plan would be to PC to the extra cards down after the first year, as necessary. What do you think would be a good strategy going forward?
CREDIT PROFILE
* Current credit cards: (list cards, limits, opening date):
P1:

• Chase Sapphire Preferred, $12,100, 3/29/21 (P2 AU)
• Chase Freedom Unlimited, $13,500, 1/7/21 (P2 AU)
• Kohls Charge Card, $1,000, 7/27/18
• Lowe's Synchrony Card, $6,300, 6/6/17
• Chase Amazon Prime Card, $6,000, 5/11/14
• Barclaycard Visa (bleh), $17,900, 11/6/12
• PNC Cash Back Card, $800, 8/27/09

P2:

• Old Navy Card, $1,024, 4/11/17
• Kohls Charge Card, $700, 2/6/12
• JC Penney Card (Closed), 7/31/18
• Target Credit, TDBank (Closed), 9/24/16

* FICO Scores with source (see note on FICO score sources below):
P1:

• Experian Fico 8: 809
• Transunion (Credit Karma): 815
• Equifax (CK): 819

P2:

• Experian Fico 8: 674
• Transunion (CK): 763? Why the big disparity between CK and Experian Fico8?
• Equifax (CK): 763

* Oldest credit card account age with you as primary name on the account:
P1: 8/27/2009 P2: 2/6/2016
* Number of personal credit cards approved for in the past 6 months:
P1: 2 P2: 0
* Number of personal credit cards approved for in the past 12 months:
P1: 2 P2: 0
* Number of personal credit cards approved for in the past 24 months:
P1: 2 P2: 0
* Annual income $: Combined household: $105,000
CATEGORIES
* OK with category-specific cards?: YES
* OK with rotating category cards?: YES
* Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
* Dining: $400
* Groceries: $800 (Sams Club, Aldi, Wal Mart, Giant Eagle)
* Gas: $300 (Sams Club, et. al.)
* Travel: $100
*Discretionary Spending/Month: $1,000 (Family items, kid clothing, work stuff, etc.)
* Do you plan on using this card abroad for a significant length of time (e.g. study abroad, digital nomad, expat)?: No
* Other categories or stores with significant, regular spend: Utilities and Bills, $450/month, Childcare, $1396/month (I know...this is ridiculous).
MEMBERSHIPS
* Current member of Amazon rime, Costco, Sam's Club?: Sams Club, Amazon Prime
* Current member of Chase, US Bank or any other big bank?: PNC Bank Checking
* Active US military?: No
* Are you open to Business Cards?: Yes
PURPOSE
* What's the purpose of your next card?: Points for travel
* If looking for a rewards card, do you prefer cash back or travel points/miles?: Right now? Points, probably.
* Do you have any cards you've been looking at? Chase Ink Business Cash (I'm interested in the gas category that's uncovered right now with my current cards, and would utilize the gift card purchasing for points at supply stores).

TD Logo
 
Welcome,
 
Reposting because of an overhaul, the last update was back in March 2018. A lot of new users since joined the sub might not know about this thread.
 
This thread will be geared towards everything TD related including credit cards and other sign up bonuses. I will try to add as much info as I possibly can. As new promotions roll in, I will add those as well. All info will be correct to the best of my knowledge but always double check before going forward with anything.
 
I know many of you have questions about when will the next TD Aeroplan promo come around, to be honest, no one knows, or maybe if you happen to be friends with Bharat Masrani, ask him and report back to us :)
 
 

TD CANADA TRUST

 
 

Current TD Credit Cards:

 
TD Cash Back Visa Infinite:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$120	60k Personal, 100k Household	$5000	$50 each

 
Benefits:

• 3% Cash Back on Grocery, Gas and Recurring bill payments
• 1% on everything else

Current Promo: (Expires Feb 25, 2019)

• Earn 6% Cashback on gas, grocery, and recurring bill payments for the first 3 months up to a total spend of $3,500.
• FYF

 
 
TD Cash Back Visa:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$0	None	$500	$0 each

 
Benefits:

• 1% Cash Back on Grocery, Gas and Recurring bill payments.

Current Promo:

• None

 
 
TD Aeroplan Visa Infinite:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$120	60k Personal, 100k Household	$5000	$50 each

 
Benefits:

• Earn 1.5 miles for every $1 on Grocery, Gas, Drugstore, and Air Canada purchases.
• Earn 1 mile per $1 on everything else.
• When traveling on Aeroplan flight rewards operated by Air Canada: One annual one-time guest pass to the Maple Leaf Lounge, first checked bag free, priority check-in, priority boarding.

Current Promo:

• 15k AP upon first purchase.

 
 
TD Aeroplan Visa Platinum:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$89	None	$1500	$35 each

 
Benefits:

• Earn 1 mile for every $1 spent on Grocery, Gas and Drugstore purchases.
• Earn 1 mile for every $1.5 spent on everything else.

Current Promo:

• 10k AP miles upon first purchase.

 
 
TD Aeroplan Visa Infinite Privilege:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$399	200k Household	$10000	$99 each

 
Benefits:

• Earn 1.5miles on Gas, Grocery, Drugstore, and Air Canada purchases.
• Earn 1.25 miles on everything else.
• When traveling on Aeroplan flight rewards operated by Air Canada: Four annual one-time guest pass to the Maple Leaf Lounge, first checked bag free, priority check-in, priority boarding.

Current Promo:

• 25k AP upon first purchase

 
 
TD First Class Travel Visa Infinite:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$120	60k Personal, 100k Household	$5000	$50 each

 
Benefits:

• Earn 3 TD points for every $1 spent on everything.
• Earn 9 TD points for every $1 when booking travel through Expedia for TD.

Current Promo: (Expires feb 25, 2019)

• Earn up to 40k TD points (worth $200).
• Welcome bonus of 20k upon first purchase.
• Additional 20k TD points after min spend of 1k in the first three months*
• FYF

*Quebec Only: 20,000 TD Points when you keep your Account open, active and in good standing for 90 days after Account opening.
~Allow up to 8 weeks for additional TD points to be applied to the Card after the $1000 in purchases have been posted to account.~
 
 
TD Platinum Travel Visa:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$89	None	$1000	$35 each

 
Benefits:

• Earn 3 TD points for Grocery, Gas, and Recurring bill payments.
• Earn 5 TD points for every $1 in purchases made on Expedia for TD.
• Earn 2 TD points on everything else.

Current Promo: (Expires Feb 25, 2019)

• Earn up to 20k TD points (worth $100).
• Welcome bonus of 15k TD points.
• Additional 5k TD points after min spend of 1k in the first three months*
• FYF

*Quebec Only: 30,000 TD Points when you keep your Account open, active and in good standing for 90 days after Account opening.
~Allow up to 8 weeks for additional TD points to be applied to the Card after the $1000 in purchases have been posted to account.~
 
 
TD Rewards Visa Card:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$0	None	$1500	$0 each

 
Benefits:

• Earn 2 TD rewards points for every $1 in Grocery, Restaurant, Fast Food and recurring bill payments.
• Earn 3 TD points for every $1 spent on Expedia for TD. Earn 1 TD point for every $1 on everything else.

Current Promo: (Expires Feb 25, 2019)

• Earn 5k TD points (worth $25) after keeping your account open and in good standing for 90 days.

 
 
TD Emerald Flex Rate Visa:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$25	None	$1000	$0 each

 
Benefits:

• Low Interest: Purchases: TD Prime + 4.5% up to TD Prime + 12.75%
• Low Interest: Cash Advance: TD Prime + 4.5% up to TD Prime + 12.75%

Current Promo:

• None

 
 
TD U.S. Dollar Visa:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$39 USD	None	$1000 USD	$0 each

 
Benefits:

• No Credit Card foreign currency conversion rates and fees when making purchases or paying for bills in U.S. Dollars.

Current Promo:

• None

 
 
TD Business Travel Visa:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$149	None	$1000	$49 each

 
Benefits:

• Earn 9 TD points for every $1 when you book travel through Expedia for TD.
• Earn 6 TD points for every $1 when you call 1-877-222-6494 to book travel.
• Earn 3 TD points for everything else.

Current Promo:

• 30k TD points upon first purchase.

 
 
TD Business Visa:
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$50	None	$1000	$50 each

 
Benefits:

• None

Current Promo: (Until October 31, 2020)

• FYF if you call in and ask. Most Biz clients will be eligible as long as the account is in good standing (ie. No Fraud, Bankruptcies, etc.)

 
 
TD Aeroplan Visa Business
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$149	None	$1000	$49 each

 
Benefits:

• Earn 1.5 miles for every $1 on gas and travel purchases.
• Earn 1 mile per $1 on everything else.
• When traveling on Aeroplan flight rewards operated by Air Canada: One annual one-time guest pass to the Maple Leaf Lounge, first checked bag free, priority check-in, priority boarding.

Current Promo:

• 20k AP upon first purchase.

 

Grandfathered TD Credit Cards:

 

Former Credit Card	Switched To	Date New Cards Sent Out
TD Gold Elite Visa	TD Cash Back Visa	May 2, 2018
TD Gold Select Visa	TD Rewards Visa Card	February 22, 2018
TD Classic Travel Visa	TD Rewards Visa Card	March 26, 2018
TD Platinum Travel Visa	TD Platinum Travel Visa	NA
TD Cashback Mastercard	TD Cash Back Visa	NA
TD Drivers Rewards Visa	TD Rewards Visa Card	March 6, 2018
TD Rebate Reward Visa	TD Cash Back Visa	January 31, 2018

 

Nice to know stuff:

 

• A customer with an All-Inclusive Chequing Account is eligible for the Annual Fee waiver on the TD Cash Back Visa Infinite, TD Platinum Travel Visa, TD First Class Travel Visa Infinite, TD Aeroplan Visa Infinite, TD Aeroplan Platinum Visa for the Primary Cardholder AND one Authorized User Card.
  
• A customer with an Unlimited Chequing Account is eligible for a $20 rebate on the first year AF on the TD Cash Back Visa Infinite, TD First Class Travel Visa Infinite, and TD Platinum Travel Visa TD Aeroplan Visa Infinite, TD Aeroplan Platinum Visa for the primary cardholder.
  
• When on the phone, front-line reps are known as "Specialists" and the higher-ups are known as "Loyalty & Advice/Resource Officers". Some offers you see online are only available online, and Specialists will not discuss these promos; they will only confirm if they are legit or not. The higher reps are actually allowed to talk about specific offers. This meaning, unless you're an existing TD client good luck getting transferred to loyalty to hear about those exclusive offers.
  
• When in a branch, the tellers are known as Customer Experience Associates (CEA), and the advisors who you meet in an office are either Personal Banking Associates (PBA) or Financial Advisors (FA). If you are pre-approved for a credit card or credit limit increase, CEA's can see this and fulfill the transaction for you. However, if you're not pre-approved, then you either have to apply online, on the phone, or in a branch with a PBA/FA.
  

 
 
Offer: [Ongoing for existing TD credit card holders]
 
 
TD Cash Back Visa Infinite, TD Cash Back Visa
 
1.

Bonus	Condition	Fulfillment
$20 in Cash Back Dollars	Add a New Authorized User	Add a new Authorized User to the account between dates specified in the offer. Authorized User must call and activate their card also by the date specified in the offer. (Allow up to 8 weeks after the deadline for dollars to post)

 
2.

Bonus	Condition	Fulfillment
$5 in Cash Back Dollars	Switch to online statements	Switch to online statements between the dates specified in the offer. (Allow up to 8 weeks after the deadline for dollars to post)

 
 
TD Rewards Visa, TD Platinum Travel Visa, TD First Class Travel Visa Infinite
 
1.

Bonus	Condition	Fulfillment
4k TD points	Add a new Authorized User	Add a new Authorized User to the account between dates specified in the offer. Authorized User must call and activate their card also by the date specified in the offer. (Allow up to 8 weeks after the deadline for points to post)

 
2.

Bonus	Condition	Fulfillment
1k TD points	Switch to online statements	Switch to online statements between the dates specified in the offer. (Allow up to 8 weeks after the deadline for points to post)

 
 
TD Aeroplan Visa Infinite, TD Aeroplan Platinum Visa, TD Aeroplan Visa Infinite Privilege
 
1.

Bonus	Condition	Fulfillment
1k AP	Set up pre-authorized payment	Set up a new PAP online or via phone and earn 1k AP for each PAP (Max of 4)

 
2.

Bonus	Condition	Fulfillment
5k AP	Add a New Authorized User	Add a new Authorized User to the account

 
3.

Bonus	Condition	Fulfillment
500 AP	Switch to online statements	Switch to online statements BY PHONE and earn 500 AP

 
 

Expired Offers:

 
Timeline for future reference:
 

Card	Duration of promo	Promo
TD Cash Back Visa Infinite:	January 24th to March 12th, 2018	[TARGETED] Earn 7% cashback on all purchases up to $5000, FYF
TD First Class Travel Visa Infinite	January 24, 2018, to March 12, 2018	[TARGETED] Welcome bonus of 20k TD points, additional 80k TD points after $5000 spend within first 3 months, FYF
TD Cash Back Visa Infinite:	December 4, 2017 to March 1, 2018	[PUBLIC] Earn 6% cashback on gas, grocery and recurring bills, 3% on everything else for first 3 months up to $3500, FYF
TD First Class Travel Visa Infinite	December 4, 2017, to March 1, 2018	[PUBLIC] Welcome bonus of 20k TD points, additional 30k TD points after $1000 spend within first 3 months, FYF
TD Platinum Travel Visa:	December 4, 2017, to March 1, 2018	[PUBLIC] Welcome bonus of 10k TD points, additional 15k TD points after $1000 spend within first 3 months, FYF
TD First Class Visa Infinite	September 13, 2017, to November 15, 2017	[TARGETED] 20k + 40k bonus TD points for NEW cardholders, FYF
TD Cash Back Visa Infinite	September 13, 2017, to November 15, 2017	[TARGETED] 9% Cash Back on accelerators, 6% on everything else for NEW cardholders, FYF
TD Aeroplan Visa Infinite:	May 15, 2017, to July 10, 2017	[TARGETED] Welcome bonus of 15k AP, additional 10k AP after $1000 spend within first 3 months, additional 5k AP for authorized user, FYF
TD Aeroplan Visa Platinum:	May 15, 2017, to July 10, 2017	[TARGETED] Welcome bonus of 10k AP, additional 5k AP after $1000 spend within first 3 months, additional 5k AP for authorized user, FYF

 

Retention Offers:

 
TD provides retention offers to clients who wish to cancel their credit card, the offer you will receive depends on which tier you fall into. Beware that reps will check if you have received a previous retention offer, and determine you are ineligible for a retention offer if you already have received an offer in the last 6 months. Offers will most often be a choice between points or a credit for the annual fee on your credit card. Keep in mind that data points suggest that you must be within 3 months of your annual fee posting date to receive an annual fee rebate offer. There are 4 tiers which you can be pooled in depending on what TD's systems have decided. There are currently no data points on what factors determine which tier you fall into. The 4 tiers are: "None", "Tier 1", "Tier 2", and "Tier 3". The order is as follows, Tier 1 provides the best retention bonuses and Tier 3 the lowest. If you happen to be in the "None" tier then TD will not offer you a retention bonus.
 
Examples of Retention Offers based on Tiers for TD Aeroplan Visa Infinite:

• Tier 1: 10k AP or 1-year annual fee waiver ($120)
• Tier 2: 8k AP or 1-year annual fee waiver ($120)
• Tier 3: 5k AP or half annual fee waiver ($60)
• None: No retention offer.

 

Waive fees on Chequing accounts:

 
Minimum Chequing Account (12 transactions/month)

• Monthly fee $3.95
• To waive fee keep a minimum balance of 2k every day of the month.

Everyday Chequing Account (25 transactions/month)

• Monthly fee $10.95
• To waive fee keep a minimum balance of 3k every day of the month

Student Chequing Account (25 transactions/month)

• No monthly fee
• Since Jan 2018, must be enrolled FULL TIME in a post-secondary institution to hold the account. You have 90 days to upload a proof of enrollment from date of account opening/change to keep the account. Otherwise, it will be downgraded to the Everyday Chequing Account.

Unlimited Chequing Account (Unlimited transactions)

• Monthly fee $15.95
• To waive fee keep a minimum balance of 4k every day of the month

All-Inclusive Chequing Account (Unlimited free everything except Wires)

• Monthly fee $29.95
• To waive fee keep a minimum balance of 5k every day of the month

Borderless Plan ($US) (Unlimited transactions)

• Monthly fee $4.95 US
• To waive fee keep a minimum balance of 3k USD every day of the month

 

TD Phone Numbers:

 

• Easyline (Telephone Banking): 1-866-222-3456
• Credit Card Department: 1-800-983-8472
• For travel booked through Expedia for TD: 1-877-222-6492
• For travel booked through any provider other than Expedia for TD: 1-800-943-1043

 

FAQ:

 
Q. Is it possible to churn TD Credit Cards?

• A. The short answer is Yes. TD's terms of service do not state that signup bonuses are once in a lifetime. However duplicate accounts that have been opened within 6 months of close will not be eligible for signup bonuses.

 
Q. Do I get the signup bonus from product transfers?

• A. In most cases yes, however, if you switch from one points family (ie. Aeroplan to TD points and then again back to Aeroplan) within 6 months you will not get the signup bonus the second time.
  
• Also, if you product transfer within the same family you will usually not get the points. An example would be switching from TD Aeroplan Platinum to TD Aeroplan Infinite.
  

 
Q. I don't have the minimum income required for the Visa Infinite cards, can I still obtain it?

• A. Yes, However, the process is tedious. You must have an existing TD credit card with a credit limit of at least 5k in order to product transfer to any of the Visa Infinite cards. If you already have a 5k limit then great, go ahead and product transfer, no income verification required. If you have a credit limit under 5k, then you must apply for a credit limit increase in order to have one of 5k before product switching. Beware this means you will get a hard pull unless you are pre-approved for a credit limit increase (call and ask). If you are granted a credit limit increase but still do not have the 5k minimum limit, then it is highly recommended to wait 6 months before applying for another credit limit increase.

 
Q. Many offers state that I have 3 months to make a certain dollar amount of purchases to my card in order to receive a bonus, from which day do the 3 months start?

• A. The 3 months start from the day that you are approved for your new TD Credit Card, not when you receive and activate your card.

 
Q. I don't want to pay the hefty annual fee on my TD credit card, is there any way to waive it without having to apply during a promo period?

• A. Yes. TD gives you the option to waive the annual fees on all its personal credit cards with the exception of the TD Aeroplan Visa Infinite Privilege. If you have an All-Inclusive Chequing Account with TD, then for as long as you hold the account, you will never have to pay the annual fee on TD's credit cards. For the TD US Dollar Visa, the annual fee can be waived by holding a TD Borderless US account. Note that both these accounts have their own respective monthly fees, however, those can be waived as well. By maintaining a balance of $5000 in your All-Inclusive Chequing Account every day of the month, you will be automatically rebated the $29.95 monthly fee. By maintaining a balance of $3000 USD in your Borderless Account every day of the month, you will be automatically rebated the $4.95 USD monthly fee.

 
Q. I just signed up for my TD Credit Card, when will my signup bonus points post?

• A. Data points suggest that you will receive "first purchase" bonuses upon the posting of your first statement. As for those with a minimum spend, it can take up to 8 weeks in order for the points to post to your account.

 
Q. I redeemed my TD points for a trip a few months ago and would like to cancel that trip, will I get my points back?

• A. If the redemption reversal is completed within 6 months of redeeming your TD points then yes, your TD points will be reversed. However, if it has been more than 6 months since your redemption then a points reversal is not possible.

 
 

TD BANK USA

 
 

Current TD Credit Cards:

 
TD Cash Credit Card
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
None	None	$500 US	$0 each

 
Benefits:

• 3% Cash Back on dining
• 2% Cash Back at grocery stores
• 1% on everything else
• No foreign transaction fee

Current Promo:

• $200 Cash Back rewards when you spend $500 within the first 90 days of account opening

 
TD First Class Visa Signature Credit Card
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$89 US	Not Specified	$5000 US	Not Specified

 
Benefits:

• Earn 3 TD Points for every $1 on all eligible travel and dining purchases
• Earn 1 TD Points for every $1 on all other purchases
• No foreign transaction fee

Current Promo:

• First Year Free
• 15k TD Points upon first purchase
• 10k TD Points after minimum spend of $3000 US within first 6 billing cycles.

 
TD Aeroplan Visa Signature Credit Card
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
$95 US	Not Specified	$5000 US	Not Specified

 
Benefits:

• Earn 2 miles for every $1 on all eligible Air Canada purchases
• Earn 1 mile for every $1 on all other purchases
• No foreign transaction fee

Current Promo:

• First Year Free
• 25k AP when you spend $1,000 US in total net purchase within the first 3 billing cycles

 
TD Business Solutions Credit Card
 

Annual Fee	Minimum Income	Minimum Credit Limit	Authorized User Cards
None	Not Specified	Charge Card	Not Specified

 
Benefits:

• Earn 3% Cashback on phone, internet, and cable services
• Earn 2% Cashback on dining and at gas stations
• Earn 1% on other eligible purchases
• No foreign transaction fee

Current Promo: (Expires Jan 31, 2019)

• 0% Interest rate on purchases for the first 6 billing cycles.
• Earn $300 Cashback when you spend $3,000 within the first 90 days

 

Update Log

• 02/06/18: Created thread
• 02/11/18: Added Retention Offers section, updated targeted offers, added more FAQ's
• 02/14/18: Updated formatting, added links to TD website
• 02/16/18: Updated Grandfathered cards, formatting
• 02/25/18: Added TD Bank USA section, more formatting improvements
• 03/04/18: Added March 2018 Public Promos
• 03/19/18: Updated Targeted Promos
• 03/22/18: Added March 2018 Targeted Promos
• 12/09/18: Small overhaul and updated current promos, removed targeted promos.

Long post ahead!
This is more or less a description of how I did the GT, what i learnt on the way, and just a general overview.
I began wondering about US cards last fall, and upon finding a few good resources around ( mainly pointsnerd blog series about US cards ), I decided to start the process.
Following more or less the first steps from the blog, I started by getting the letter required for the ITIN. It took around a week I believe to get the letter. Do note that at the moment, I'm not sure which method is viable to get said letter.
Next I went to get the official copy of my passport. I did go to a Service Canada location, but they said it can only be done at an actual Passport Canada office. I went there then and i got my letter around 10 days later.
Next step was just to fill and send the form required to the IRS. Nothing out of the ordinary, i followed the exact steps described on the blog and that was it. I sent the docs and maybe 6-8 weeks later I got my ITIN number. This was mid November.
I was planning a trip for January so i decided to wait until I came back, so i postponed the next steps.
To be honest i waited a bit longer and only continued the process a few weeks ago. Next stop was getting the bank account. I have both TD and RBC accounts, but i ended going with TD following the advice given here:
https://www.reddit.com/churningcanada/comments/7z5fko/daily_question_thread_for_rchurningcanada/dulvqvv/
I first opened my TD Daily Interest Chequing account online. Once that was done, i went to the link posted in that comment: https://m.tdbank.com/personal-checking-ca.html and went ahead and opened a TD Convenience Account. I don't recall all the details about the application but i think it was pretty smooth.
I got my new debit card in the mail less than 2 weeks later. Then, trying to activate online was hard so i had to call in. This made things easier because when i was on the phone with the operator, I was able to give them my US address ( more on this next ), and change it on file. I think when i created the account I had to give my canadian address. One more thing I did was that when i created the account, I was given the choice to select my branch, so i picked the closest one from my US address.
Now, big exception about the US address in my case, both my brother and sister live in Florida, so that makes it a lot easier, as i dont have to rely on services like shipito or something like that. So when I activated my debit card, I gave them my brother's address and that was good to go, as this is the address i plan on using for all my applications.
Where I got a bit stuck was getting a US phone number. The google trick seems to not work anymore ( connect via VPN, create new google voice account, get number, redirect to my cad number, etc ). I spent a few hours trying to figure it out and was very discouraged after not finding an easy solution. Then a bunch of people mentioned that using your CAD # number is not an issue at all. So I left it like that and decided to use my current cellphone for the applications.
So now that all of that was ready, I began to look at options for cards. Get an idea of what to get and how to approach the GT application itself.
A few people recommended going with no AF cards, as you can basically keep them forever and will help you in the long run with your credit history. I think i heard the Simplicash being mentioned more than once, but basically any of the no AF cards would be a good start.
Fast forward a couple of weeks and I began looking at the SPG cards. Why?, because of the upcoming changes. I figured, if these cards are going to disappear ( who knows ), i rather get them now than not being able at all in the future. Going that way, I began to see what my options were with the Personal SPG.
I had read multiple times that you call GT and then tell them which card you want and they will process the application. BUT, recently I read a couple of DPs of people mentioning how you can apply online, using your ITIN, and then calling GT and completing the application with them.
Going back to the personal SPG, it's currently FYF ( $95 after ), then 25k points after a $3k spend. Not bad, but i had read of an incognito offer which gives 30k instead. As explained here:
https://www.reddit.com/churning/comments/8cmph5/daily_question_thread_april_16_2018/dxguri4/
I tries several times using incognito mode on chrome, but nothing worked. I then switched to using Chrome's user tab ( top right ) and clicked on 'guest'. After 2 tries I was able to get it.
So once I got the offer, I went for the application.
Nothing out of the ordinary. I used my ITIN. It asks for ITIN os SSN, otherwise you are redirected to the GT page, which oddly wasnt working properly when i tried.
Going back to the form, everything else was standard. For my income I put the equivalent of mine here in Canada. For address I used my brother's address, which is the same one my TDbank.com is registered with. Very important for this to match, as there are multiple DPs of the GT putting you on hold while they call the bank to make sure the address matches.
Now, after the application was completed, I was redirected to a section which asked me to provide copies of my taxes ( US ), i guess the equivalent of our NoA. Of course I don't have that. So on that page there is a button to upload documents, or something along the line of 'upload later'. I clicked on the latter and THERE i got the application reference #.
This was at night. I called right away but then learnt that the actual GT department works from like 6:30am to 4:30pm Mountain Time Zone. Im in MTL, so basically from 8:30am to 4:30pm.
I called then the next day, right away they ask which card you want to sign up. I told them I already applied for one and had a reference #. Once they took this number, they verified my info, birth year and last 4 digits of my SSN / ITIN.
Then they asked for my canadian Amex card number, so that they can check if the GT is even possible. First try I gave them my Amex Plat, which has been opened for over 9 months, but i have not used much recently. I learnt that this is not good, as they need a card that apart from being opened for at least 3 months ( or 6 ?), has to show continuous activity. Mine didn't, which was annoying because i didnt have another one with me, so i had to hang up and wait once again.
I finally got hold of my SO and she sent me the SPG card number. I called again the GT dept, gave them my reference number and then my SPG card's number.
Was told to wait a couple of minutes while they verified if my card was good for the transfer.
2 minutes passed by, and the agent came back and said it was all good and he told me my application was approved and I should be getting the card within 2 business days. That was it! I think that went very smoothly, i've read multiple DPs of people getting questions about their address/ bank but i didnt get any of those, even though i would have been able to answer them.
In any case, It all worked out at the end. I should have my personal SPG tomorrow and I will start to plan to get it for my wife as well.
A couple DPs I read BUT can't confirm:

• You can sign up via GT more than once.
• You can apply for an amex online using a dummy SSN, and then when you call GT you can provide your passport ( or another piece of ID ), this is in case you dont have an ITIN but still want to apply this way.

TLDR; Took over 6 months to apply for my first US card. Applied online for a special offer, then I called GT with the reference # and was approved on the spot without being asked any questions, other than having a valid Amex card in Canada.

I like to dig out and uncover lesser known credit unions/banks whose credit cards offer similabetter category spend rewards than some popular brands. My previous post was on PCM Credit Union
InFirst FCU (peviously NARFE CU) has introduced a Visa Rewards card that has exactly the same rewards structure as the Costco Anywhere Visa:

4% on gas 3% on travel + dining 2% on groceries, wholesale clubs etc 1% on rest 1500 (15$) bonus on 1st purchase 

Anybody can be member of the credit union and apply for the credit card if they purchase a one-time 1 year membership of National Active and Retired Federal Employees (NARFE) Association for 40$ (only to join the CU) which is relatively cheaper than the 55$ AF of the Costco anywhere visa, 45$ AF of Sam's Club Mastercard, 89$ AF of the TD Bank Travel rewards all of which give 3% on Travel + Dining.
Reward points can be redeemed at CU Rewards website for minimum of 5000 points (50$) statement credit. Points expire after 5 years.
2 months later: Magnify Money claims Infirst FCU can be joined now by becoming member of FAPAC for 10$ using discount code INFIRST
TLDR: InFirst CU Visa rewards undercuts Costco Anywhere by offering same rewards but with 0 AF + one-time 40$ 10$ (-15$ intro bonus) Joining fee.

A relative of mine sent me a prepaid visa from TDbank with $30 on it. I figured I'd use it to purchase DayZ, I've wanted it since it went standalone. It was already activated, I even went to the site and logged in with it just to make sure. So I put in the card number, expiration date, security code, address of the bank it was bought at (lines 1 and 20, and phone number of the bank, as well as the correct state. But for some reason, it keeps getting declined.
Has anyone ever used a TDbank visa before? How'd you do it?