Originally Posted by
jamar
You may still have [a 3% TD Bank card], but it's not publicly available anymore- on either side of the border. Current offer is 5% for first six months and 1% after in the US and 0.5% up to C$3000 and 1% after that up to C$25000 in Canada (but you get Chip+PIN, something that they don't offer in the US).
Sorry for perpetuating off topic discussion, but I feel compelled to warn that the TD Bank terms and conditions PDFs limit that 5 points/$ offer to a few purchase categories, and the points do not appear to be redeemable directly for cash.
On the other hand, to avoid steering anyone wrong, I also feel compelled to mention that redemptions include gas cards and possibly even travel for better than $.01/point, and the promotional categories include "groceries" for personal cards and "office supplies" for the business card, which include some retailers that often sell gift cards and sometimes let you buy credit card gift cards with a credit card. So, I might someday apply after the Chase / Office Depot / Vanilla Visa bonanza ends, since I already completed a similar 12 month Citi ThankYou promotion, largely via CVS Pharmacy selling Vanilla Visa (
http://www.fatwallet.com/forums/finance/1242186/ and
http://creditcards.citicards.com/usc...al/default.htm ).