The bad news: You have to wait a year for it. It comes as a statement credit only in November.
The good news: You applied at the right time if you want to churn. Enjoy your cash back 11 months from now, cancel before the annual fee kicks in.
97% = chance that an RFDer lives in the GTA when he posts something location specific, without giving a location
Were you hit with surprise customs/import fees on an Amazon.ca purchase?