TD Bank EZ Rewards

[Anonymous]

Define Irony:

Wishing for a 5% back card in the christmas threat, then opening the mail to discover I'm pre-approved for TD Bank's EZ Rewards card. For the first six months, 0% apr and 5% back on gas, groceries, dining, and utilities. Of course, the card only gives 1% back after that, but those first 6 months could have been great. If only I weren't in the garden.

Okay, it's a coincidence, not irony, but still...

[longtimelurker]

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@Anonymous wrote:

Define Irony:

Wishing for a 5% back card in the christmas threat, then opening the mail to discover I'm pre-approved for TD Bank's EZ Rewards card. For the first six months, 0% apr and 5% back on gas, groceries, dining, and utilities. Of course, the card only gives 1% back after that, but those first 6 months could have been great. If only I weren't in the garden.

Okay, it's a coincidence, not irony, but still...

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I am thinking about getting this.   At least for some, after closing for a few months, you can get it again with 5%.

[elim]

looks like 6 month use and SD

[longtimelurker]

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@elim wrote:

looks like 6 month use and SD

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No, 6 months use, close, wait and reapply!

[taxi818]

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@longtimelurker wrote:

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@elim wrote:

looks like 6 month use and SD

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No, 6 months use, close, wait and reapply!

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+1 just closed mine last week. as it became clear that it was worthless at this point. correct. you can reapply and get the same rewards. for another 6 months. but once you realize how disorginized TD Bank is . its really hard to deal with. but ymmv.

[kdm31091]

I have one, and kept it past the six month bonus. While it is not the most exciting card, they gave me a good limit and APR, so that's why I keep it.

It is only 1point/ dollar after the intro period, but on the other hand, at least their points are worth a full penny if you get a check/statement credit.

[longtimelurker]

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@kdm31091 wrote:

I have one, and kept it past the six month bonus. While it is not the most exciting card, they gave me a good limit and APR, so that's why I keep it.

It is only 1point/ dollar after the intro period, but on the other hand, at least their points are worth a full penny if you get a check/statement credit.

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OK, but there are much better choices at that rate, such as Quicksilver or Double Cash

[kdm31091]

Yeah, I don't really use it much, because there are better cards, but I just would hate to close my lowest APR card and it's also my highest limit. :\