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Yeah you scared me :) Just opened a Biz, no annual fee. Phew.

Amex 100k
 

I assure you guys that this was a targeted offer.

I'm trying to find that website I stumbled on earlier this week. I'll get back to you guys...

But yeah, it could be my bad because when googling it, only US offers popped up.

In retrospect, you could still try for a possible 50k plat. Maybe more through GCR or RC... Sweet (but not as sweet as 100... :( )

Phil

Just got an email from spg for amex spg. Offering 20000 points after 500 spent but NO fyf. I guess it increased from 10000....

No referral :(

Buying 20,000 SPG for $120 is not a terrible deal - hopefully there are some referrals that come up soon with 20K.

Clicking through GCR only shows 10000 points bonus.

But you can find the link for the 20000 points offer on SPG website. It is a public offer : http://www.americanexpress.ca/SPGNTMultiLPEn
It's worth nothing that you can also select the Business version of the card, with the same bonus, using this link.

Also note that the spending requirement for the biz is $1000 instead of $500. The annual fee is also $150 instead of $120.

Sweet...I've been waiting for the 20k offer. I'm wondering if I get the biz version, in case the offer on the Amex website for personal goes to 20k (and get a referral bonus).

I view this as a 25K airline miles bonus (can you say Alaska Airlines?) WITH a $120 AF. Not jumping on this one...unless a juicy referral comes through like last year's version.

The thing you have to be aware of is that Amex Canada only allows you to carry a maximum of TWO credit cards...so, if you have another Amex CC product (Airmiles, Blue Sky, SimplyAmex, Holt Renfrew), then you might be in a sticky situation when you try to self-refer from the Biz SPG to regular SPG. This happened to me once before, but I found Amex to be very 'accommodating' to my needs...again, though there are nay-sayers out there, I DO firmly believe that having a GOOD relationship with Amex pays off in the long run, when it comes to churning their cards.

Good thing I have zero credit cards with Amex!

I think the SPG card at 20k is a no-brainer if you (or your spouse) don't have the card so don't care about the referral. 0.6c per SPG point, yes please! And I would use it as a primary card, effectively earning 1.25x points (assuming 20k transfer bonus of 25%) in various airline programs. but of course, opinions differ.

Amex SPG
 

Hmm, I've been thinking about what to do with this card if it did not become first year free with a bonus.

MR points convert to SPG 2:1. I only use my Amex Gold at the 2x point places (gas, grocery, drug, air) and DH and I cross refer. I have lots of Amex MR spend because I buy gift cards at the drug store.

The Amex Biz Gold is fyf and 40,000 MR points. That's 20k SPG (current bonus). Plus the 15,000 MR referral which converts to 7,500 SPG. That beats the 5,000 SPG referral.

I told myself I'd pretend my Amex Biz sign up bonus and referral were the SPG version instead. And tried to convince myself that my 2x MR spend would have been just 1 SPG point if I made that my go to card.

I'm not good at mental accounting because I always go back to 'best value'. But I at least convinced myself I should hold out for fyf on the SPG.

It looks like the TD aeroplan 25K bonus with FYF is back!
http://www.tdcanadatrust.com/product...urceCode=rePwQ

that was quick

is that the GCR offer?

the TD website is still showing 15K + $120 AF but I do see a 25K + FYF offer when i click thru the GCR one

here is the updated expiry

To receive the 10,000 Aeroplan Miles Bonus ("10,000 Miles Bonus"), you must apply for a TD Aeroplan Visa Infinite Card Account ("Account") by May 8, 2015, be approved, and have $1,000 in Purchases, including your first Purchase, posted to your Account within the first 90 days of Account opening. We reserve the right to limit the number of Accounts opened by and the number of 10,000 Miles Bonus awarded to any one person.

Well, I need your guys' advice now. The offer does say: "If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by, and the number of Welcome Bonus Miles awarded to, any one person."

My wife and son had their CIBC cards transferred automatically to this card last summer. Over 6 months ago. In your experience, do you believe they would get their bonus miles for a new app now? Thx for your help with this; I value your collective wisdom.

I don't know how much value my word is on this topic, but here's my experience.

Like your family, ONE of my TD Aero Infinite Visas was also created by a sale from CIBC to TD. I cancelled, or converted all of my 'playing cards' to no-fee TD cards and then applied for another TD AeroInfinite through GCR in Nov, and got all the bonuses. Then for 'fun', a couple of weeks later I applied for another through the RFD cashback offer, and when I spoke to TD reps (two occasions), they both said they saw the welcome offers on my application. I just exceeded the $1K spending on this latest card...the proof will be in the first-statement's pudding, which is due to cycle next week.

Other people's experience may be different. Look both ways before you cross the street. ;)

Looks like "America's Most Convenient Bank" is getting in on the action too. Good for us expats, I think I'll apply for both at the same time just to mess with Aeroplan.


http://www.tdbank.com/personalcreditcard/aeroplan.html

• Earn 25,000 bonus miles when you spend $1,000 on net purchases in the first three billing cycles after account opening.
• Earn 2X Aeroplan Miles per $1 spent on Air Canada net purchases.
• Earn 1 Aeroplan Mile per $1 spent on all other net purchases.
• Annual fee waived for first year, then $95 each year thereafter.

Cheers

Anyone know if getting this card helps Canadians (living in Canada) get US credit cards down the road? I am assuming it is a US based credit card in US dollars? Will it help establish US credit history? I know they pull from Transunion but is it the US company linking to the Canadian Transunion for the initial check and then monitored by the US Transunion?

This card came out last month, and was discussed here:
http://www.flyertalk.com/forum/credi...a-version.html

The RFD kids also bantered about it here. Maybe this thread too?

It is completely US based - the pull from the US Transunion. People claim they will do a "cross boarder credit check" but I know first hand that it is not likely. I know someone with a 850 CA credit score and they were denied for the standard TD card despite them claiming they would do a cross boarder check (he was a member of both TD US and TD CA and had a SSN). I met with a banker in the US asking if they would do a cross boarder reference and they told me that in all likelihood I would be denied for any card except a secured line ($500 minimum only returned upon closing the card).

Click on the TDBank.com link and it's obvious they will do Cross Border applications.

Current or recent
Canadian resident?
If yes, then our cross-border application may be right for you.

Download Application

CREDIT CONSENT FOR CROSS BORDER APPLICATION
Applicant signing below (“I” , “me”, “my” or “you’) is applying to TD Bank, N.A. (“TD Bank” or “Bank”) for a Visa® Card (“Card”) as indicated above.

Applicants Using Canadian Credit Bureaus:
I authorize TD Bank to obtain information and reports about me from TransUnion Canada located at P.O. Box 338, LCD1, Hamilton, ON
L8L 7W2, at the time of and any time during the application process, and on an ongoing basis, to review and verify my creditworthiness,
establish credit limits, help TD Bank collect a debt or enforce an obligation owed to TD Bank by me and/or manage and assess TD Bank’s
risks. Once I have a credit product with TD Bank, TD Bank may from time to time disclose information about me to credit reporting
agencies seeking such information, which helps establish my credit history and supports the credit granting and processing functions in
general. I may access and rectify any of my personal information contained in the files of TransUnion Canada by contacting them in writing
at the address noted above.

Interesting. Although I've never heard of anyone actually being successful with this despite the obvious claim. I'd be curious to hear is anyone was

Thanks JJJ, I can't say that I'm a big fan of RFD, but maybe it warrants more attention...


Cheers

TD Visa offer is not FYF over the phone....anyone tried in branch?

It's not... only works through the online links.

Is anyone else getting this error when you try to apply for the Canadian TD Aeroplan Infinite Visa?

"Unfortunately, we have encountered system issues and cannot process your application at this time. Please try again in a few hours or visit any TD Canada Trust branch. We apologize for the inconvenience.
Find the nearest Canada Trust Branch Save My Application "

I had this issue and switched to Internet Explorer and that got me a bit further but still had issues. I ultimately had to get on the phone with a TD rep and they added the RFD code (in this case it would be GCR) to my application and manually submitted it.

It worked fine. I got the annual fee rebated just now and the bonus points.

Let us know the results of this second application. I am sure people, including myself, are very curious as to the outcome :) Though I am sure it's one of the scenarios where YMMV.

Mr prmetime and I had this problem too as we were not known to TD bank. Applied in branch (with offer in hand) and were promised all bonuses would be honoured. Annual fee refunded. First statement generates later this week so it will be interesting to see how it posts!

Plus, apply through GCR for the TD Infinite, and you'll actually bank $50 for the 25K bonus!

Note that the TD USA card has a 2.8% (or 3%) foreign transaction fee. Not a foreign currency fee, but foreign transaction. So any transactions (even in US$) outside the US will incur this fee.

I will try in branch today....I was trying to convert a non fee card to the Aeroplan however they did not want all for FYF. I will report back later

Yup worked in branch

Has anyone signed up for the Scotiabank Gold American Express Card? FYF and a 20,000 point bonus. I could have sworn that there was no minimum spend when I applied 2 weeks ago. Now I see on the Scotia Bank website that there's a $1000 minimum spend to get bonus points.

I also don't want to wait up to 5 months to get the points as their website also says "The points will appear as an adjustment on your Scotiabank Gold American Express Card statement within two statement cycles after the third billing cycle has passed".

Has anyone else signed up for the card a couple weeks ago? Did you notice these terms?

I'm about to cancel this card and I just activated it.

I have been trying to apply for that card for the last 24 hours but keep getting an error on their site.

They insist that I put a "UNIT TYPE" when I live in a standalone home. I have even tried to fill the field into satisfy them, and it doesn't work. :confused:

Oh, and some people have been saying that you can only hold 2 Amex cards at one time. I had 3 of them (Plat, Gold Rewards, and Amex AeroplanPlus) until a few days ago.

I cancelled the last 2, so that I can apply for the SPG card (better chances that way, I suppose), and reapply for the two I dropped sooner...

I'm not sure why some people can only hold 2 Amex cards. I have the following now:
American Express Gold Rewards
American Express AeroPlus Gold
American Express Business Gold Rewards
American Express Starwood Preferred Guest
American Express Scotia Gold

This seems to be some conventional wisdom that gets passed around. I read about it when I was totally green ( still very green here :D ) and had just joined the site, but now know first hand, like yourself, that it is not true.