Originally Posted by JJonahJ

So, this is the "industry leading" new TD offer?

It's essentially the same offer as it was from Fall 2014 till Fall 2015 (25K/FYF, basically). The added 'new' offer is the extra 5K for adding an authorized user, at a cost of $50/yr - "Annual Fee Rebate for the first year(Primary Cardholder only)"

Well, at least it's better than the recent TD offers. Glad I waited. I prefer the GCR cashback program, and prefer them over RFD. But, 4x$70 thru RFD was too good to pass up. But, if GCR does a $60 cashback boost for this card, I'll go with them instead. RFD's cashback is still too Mickey Mouse to deal with.

Now, time to see if the TD online application system wants to 'play' or not.

Originally Posted by JJonahJ

Well, first of all, you have to lower your standards, wear your cap backwards / to the side, and mingle with the kiddies at RFD-land. JK'ing!

There are other reasons which I won't discuss here, but in general I do find their cashback system is not as well refined/reliable as GCR. YMMV.