TD - 1.99% interest for 6m, no BT fee
CIBC - 0% interest for 10m, 2% BT fee
I have a big MBNA balance coming up for expiry in a few weeks, so this is convenient, but in reality it's not that convenient:
- from past experience, don't think I can BT from MBNA to TD given they're the same family
- I just did a CIBC BT for my entire available limit a few months ago, so I barely have any limit left.