I agree that Amex is better is many ways (including better customer service, lower income requirements and great sign-up bonuses). Unfortunately, they still aren't accepted at enough places in Canada to be my everyday card, so I hold onto my TD for everyday purchases. I was extremely annoyed with TD when my account was first transferred to them from CIBC, with seemingly endless problems after problems. However, things have been fairly smooth lately and I'm pleased that they recently started posting transactions to their on-line banking almost immediately. I also really enjoy the priority boarding on Aeroplan flights - no need to fight for overhead space