Old Jul 20, 19, 7:19 am
Join Date: Aug 2008
Location: トロント
Programs: AC E50K, Accor , ANA, Avios
Posts: 4,506
I have both.

Picked up TD earlier this year when they had a 30,000 mile and no fee for the first year promo.

Have had the CIBC card for many years and will be cancelling it next month before renewal fee kicks in.

I agree TD is better. Not worried about the $1MM vs $5MM part of the medical insurance as I have sufficient coverage via other means on that and I think the 21 day coverage is more beneficial than 14 day coverage. Other benefits are better also.
mapleg is offline