Just seen this today.

TD Cash Back Visa Infinite* Card

Welcome Bonus: Earn 6% in Cash Back Dollars on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500.
Plus, for a limited time, get a full Annual Fee rebate for the Primary Cardholder for the first year.

Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
Earn 1% in Cash Back Dollars on all other Purchases made with your Card

the points did show up! I should have just been patient and just waited the day....

Any sign-up bonus points?

want to swap back from Esso extra to RBC rewards, just find out I need spend $250 before 07/31 ! and buy Esso gift card don't earn any Esso points ��, there's no way I can fill $250 gas in the next 2 weeks, anyone know if there's any other way to do it?

In order to begin exchanging Esso Extra Points with RBC Reward points, Esso Extra members must first spend $250 on eligible purchases at Esso stations to earn a minimum of 250 base Esso Extra Points.

Quick newbie question: Is there a minimum income for the MBNA best western card? Asking on behalf of a homemaker. Homemaker's partner makes more than adequate income. Wondering if its worth it to have them apply to take advantage of the 60K offer. Thanks!

There's nothing in the application text and for a no-annual-fee card it's not like they would have a big one anyway, so I wouldn't worry too much about it.

Earn 6% in Cash Back Dollars on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500. After it goes to 3%

Speaking of Esso points.
You can get a $100 gift card for Esso and receive 5.0 cents Esso privilege Card worth $10 good for 200 L.

Then you reload the card woth $100. You get 5.0 cents Essoe privilege card worth $15 good for 300 L

https://www.giftcardadvantage.com/bu...eloadable-Card

Card expires Dec 2017.

can u buy this esso card at gas station do u know ? i did at xmas time for same deal but was only on at xmas time

Thank you. I did already see 20,000 Best Western points earned attached with my first purchase with the card, plus the small additional points I've been earning with regular spending. I was wondering if the next tiered 20,000 points for spending $1000 within 90 days would appear right away, or do I need to wait for the full 90 days. I suppose I can find out once I reach $1000 in spending, later this week.

I got the $60 rebate from GCR automatically, in June. It's my 3rd time applying. But last year when I applied, I did not get the $60 GCR automatically, and when I contacted them they issued it within a week, no mention of the fact that it was already my second time. They must be getting more restrictive now.

I received an offer by mail, saying they will give 6% cash back on EVERYTHING for the first 3 months, but capped at $3500.

TD Cash Back Visa Infinite* Card

Welcome Bonus: Earn 6% in Cash Back Dollars on grocery purchases, gas purchases and regularly recurring bill payments for the first 3 months to a total spend of $3500.
Plus, for a limited time, get a full Annual Fee rebate for the Primary Cardholder for the first year.

Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your Account
Earn 1% in Cash Back Dollars on all other Purchases made with your Card


Okay, then. If it's ANY kind of spend,
Here's how I measure this card:
6% on the first $3500 of any kind of spend
- 2% (the value that I would get elsewhere on that spend anyway)
= 4% x $3500 = $140 value

But, the Terms & Conditions on TD's website are clear that 6% is only for gas + groceries + recurring merchant categories. Does your email show different Terms?

If it's indeed 6% on any kind of spend, then this card is good enough for me.
But I'd need to see those Terms on my application.

Eagerly waiting for the MBNA BW I applied just over 2 weeks ago. How long does it normally take to get the card in the mail?

Nope, this is only from this affiliate website.

around 2 weeks normally. Waiting for mine too. I signed up July 7th.

Datapoint: My application for a BW Card with the renewed offer was declined, in the letter I received it explicitly stated it was because I already had a BW Credit Card. So it seems definitely like the Alaska card, MBNA is tightening things to 1 card of each kind at a time.

This happened to me, turns out my MBNA app double submitted and my first one was approved. :cool:

It varied for me in the past. sometimes as soon as the target is hit, other times on 3rd or 4th statement.

+1 Would only be worth it if the promo was on all purchase, not just gas/groceries etc.

I called and asked if there is any promo like this and the rep was pretty confident that its gas grocery etc

https://www.cibc.com/content/dam/spe....1280.1280.png

I applied for this account. Whole process took about 15 minutes.
Doing a pre-authorized payroll deposit is sufficient to satisfy the terms of the offer. Many payroll providers can issue your paycheque in two amounts. So I've asked my payroll provider to pay $100 into this account twice a month, and the remainder of my paycheque going into my main bank account. Easy.

The CIBC account manager emphasized that I need to keep the account open for "three whole months". I think he is quite used to churners opening these accounts.

Was there a hard pull?

Edit: Went to apply and saw. "If you don't meet any of the qualifications or conditions, or don’t consent to a credit check, please visit a CIBC Banking Centre."

The offer to "Earn 6% in Cash Back Dollars on all purchases made in the first 3 months of Account opening, to a total maximum spend of $3,500" came in the paper mail. Maybe it's too new and the TD reps are not yet familiar with it?

Thanks. I do see the initial 20,000 points in the MBNA Rewards Earning Activity page, and it is tied to the first purchase that I made. I have now surpassed the first $1000, but there is no additional 20,000 tied to the spending that put me over. I did have a small refund, but it's still totaling up to more than $1000. Maybe I'll see the points when the first statement closes.

Thanks! Is there any offer code or anything like that in your letter?

No offer code. But I have a TD Gold Elite Visa card that they are offering to switch to this new TD Cash Back Visa Infinite card. Maybe it's only for existing TD cardholders?

The $3500 maximum would cap the 6% cash back potential to $210. Doesn't really sound that appealing to me. The offer is good until Sep 5th. I'll wait a bit before I decide.

Transfer occurs after statement closes but earning is usually posted as spent or as target met. Call them about the bonus and see what they say. For me they usually say the bonuses might take upto 90 days. Don't know if its from card opening or meeting the expenditure.

That's OK. I'm not in a rush for the points anymore. I'll just wait and see when they actually post at MBNA, and then after that I'll monitor to see when they are actually transferred to BestWestern.com

Yeah, let us know, because I'm curious, too. If I can get the full 40,000 right away, I may put my car insurance on this card. Otherwise, I'll just putter away using it for leisure stuff...

Yeap, the last time it took up to 5 billing cycles.

Sounds about as bad as my long wait for my Amex Biz Gold bonus.........

I need help to improve a credit score.

One of the people on my (small) team of churners needs to go get a car loan. But, I recently convinced her to apply for 3 cards (a gold Amex, a BW MBNA MC, and earlier an SPG Amex, in addition to 2 more traditional cards). She also holds a mortgage.

I can't find this info elsewhere for Canada.

• Is the interest rate for a future loan going to be higher because of this mini app-o-rama?
• Should she try to reduce her credit limit? Will it make a difference?
• Should she cancel older cards? Will it make a difference?

Any advice, or direction to a good resource, or PM's, gratefully accepted.

So has anyone applied for the Best Western card after cancelling recently (less than 3 months?) . Were you approved or declined?

The interest rate will be dictated by her credit score and all the new credit and hard pulls will not help in that dept.

What is the age of each card?

I wouldn't lower the limit either because if anything it will show she is not maxing out her cards (I hope she is not) and wouldn't cancel anything just yet. You may get a lender who will say "you have too much credit" which at that point you can offer to close one or two accounts to appease their concern.

I signed up for the 60,000 promo, so not sure if this applies for the 40,000 promo.

I got the 20,000 posted right after my first purchase, as witnessed at the MBNA Rewards site. Plus my first statement has cycled, and the points were transferred from MBNA to BestWestern.com by the NEXT day, so that's great.

But, I've now surpassed the first $1000, which should merit another 20,000, but unlike the initial 20,000, this middle-tier bonus has not appeared at MBNA Rewards site, so it's unlikely I'll get the points into BW.com after my 2nd statement closes. I expect the same after my second $1000 (total $2000) has been spent. It will probably not be awarded until at least the 3rd statement.

Someone mentioned that MBNA told him to wait 90 days before reapplying after cancelling. This was a recent posting, within the past month or so.

Thanks, imverge.

She has two cards that are several years old, an SPG Amex from last year, and two cards in the last month. For the new cards, she'll make the spend required for the churn and then probably not a lot more.

Payment history has been solid.

Cancelling older cards would lower the average age which would lower the credit score, not increase it. It would also increase the ratio of debt to limit which could also be bad, unless you pay the cards off just before statement posts. The recent hard pulls you can really do nothing about except for waiting it out, I believe after 2 or 3 months it won't have much impact. Right now I'd just hold off and only cancel/lower credit limits if they request it.

I don't see that post. and I am looking for an actual data point though..someone applying and then being declined...