TDBank – The best daily-use credit card offer I’ve seen!

October 11, 2014 at 12:33 pm Leave a comment

This is probably the best credit card offer I’ve seen for a daily use card.  This was another offer to me via mail, but they are offering a very similar offer to anyone (only $100 cash back instead of $200).

$200 Cash back after you spend $500 on the card in the first 3 months
5% cash back on purchases for restaurants, groceries, gas, cable, phone, and utility payments for 6 months
1% cash back everywhere elseNo annual fee

That’s quite an offer.  $500 in the first 3 months?  I’ll likely do that in the first 30 days.  Groceries and Gas alone should cover that.

But then there’s the 5% cash back.  Every month, I spend probably 100-150 eating out, more if the cafeteria at my job counts as a restaurant.  We spend about $300 on gas, and probably $400 at the grocery store (excluding CostCo food purchases).  Then there’s the cable bill, and the cell phone bill.

The electric company charges $4.95 to pay with a credit card, but with 5% cash back, I’ll make $15+ in cash back, so the extra fee is worth it.

A quick calculation shows that just on these 5% cash back categories, we should earn $65 back every month.  That’s almost $400 over the 6 months, plus the bonus $200.

This offer is public (except with $100 cash back instead of $200) at this link:

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

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