Bought four of these tonight at an OD that had no promo signage and cashiers weren't aware of the promo. But it rang up with no fee. Leaving the assigned PIN always makes me nervous so I just made four repetitive calls to the 866 number to change the PIN on each to my liking. A lot of work for a few hundred in card signup spend, but got the benefit of friendly introduction to OD cashiers, which gives me a good feeling about ongoing opportunities.