TD Bank
TD Premium Cards, most FYF
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- albundy99999999
- Deal Addict
- Jun 19, 2006
- 3401 posts
- 715 upvotes
- Toronto
- albundy99999999
- Deal Addict
- Jun 19, 2006
- 3401 posts
- 715 upvotes
- Toronto
Did you see the 6% CB is for all purchases on first 3 months on your account? Currently, if you look at the terms and conditions on the online application web page, the 6% CB is applying to the three specific categories. The wording on "all purchases" is misleading.SkillOverload wrote: ↑ I was also worried about the same thing when I read the letter that went with my card. When I spoke with a TD rep to activate the card, I was told that the standard letter typically indicates a welcome bonus of 6% CB on gas/groceries/PAP (regardless of the welcome bonus offer currently available at the time of your application) and that I will be getting 6% CB on all purchases as stated on the TD website.
TLDR; I got the same letter with incorrect information on the welcome bonus, but still ended up getting 6% CB on all purchases.
- SkillOverload
- Jr. Member
- Nov 12, 2017
- 193 posts
- 243 upvotes
- Vancouver
I got my TD CB Visa Infinite in early July and I've been getting 6% CB on all purchases (even though the letter I received said that the welcome bonus is 6% CB on gas/groceries/PAP).albundy99999999 wrote: ↑ Did you see the 6% CB is for all purchases on first 3 months on your account? Currently, if you look at the terms and conditions on the online application web page, the 6% CB is applying to the three specific categories. The wording on "all purchases" is misleading.
- albundy99999999
- Deal Addict
- Jun 19, 2006
- 3401 posts
- 715 upvotes
- Toronto
Thanks for the confirmation. Not sure why some people get 1% on the first three months. That doesn't make sense. Do you get the CB on monthly or annually basis as a statement credit?SkillOverload wrote: ↑ I got my TD CB Visa Infinite in early July and I've been getting 6% CB on all purchases (even though the letter I received said that the welcome bonus is 6% CB on gas/groceries/PAP).
- SkillOverload
- Jr. Member
- Nov 12, 2017
- 193 posts
- 243 upvotes
- Vancouver
You can redeem the CB manually whenever your total CB Rewards balance is over $25. Otherwise, you can get a statement credit annually (regardless of your total CB Rewards balance).albundy99999999 wrote: ↑ Thanks for the confirmation. Not sure why some people get 1% on the first three months. That doesn't make sense. Do you get the CB on monthly or annually basis as a statement credit?
- magoot
- Deal Addict
- Feb 8, 2015
- 1295 posts
- 568 upvotes
- North York, ON
Gas and groceries.albundy99999999 wrote: ↑ Eligible expense or purchase would falls into specific categories. Could you confirm please?
- albundy99999999
- Deal Addict
- Jun 19, 2006
- 3401 posts
- 715 upvotes
- Toronto
How long does the 6% cashback shows up in the account? Right away after the transaction is posted?
- pipolchap
- Deal Addict
- Mar 8, 2006
- 2925 posts
- 628 upvotes
- Toronto
I have the First Class Travel Visa. Anybody end up redeeming those points and ending up with a negative point balance?
If I change cards, what happens to the negative points?
If I change cards, what happens to the negative points?
- titaniumtux [OP]
- Deal Expert
- May 8, 2009
- 15560 posts
- 14184 upvotes
- Going to the Moon
Afaik after the transaction posts. YMMV, but I've seen cashback clawed back on returns before the return refunds on the card would print.albundy99999999 wrote: ↑How long does the 6% cashback shows up in the account? Right away after the transaction is posted?
It carries over IF you product change to another card on the same rewards system. I have my old TD CBI with a rewards balance of -$2.75. Will product change it hopefully to FCT, which will reset rewards balance and help my AAoA a bit.
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