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English Updated story link_only 01.11.2026 15:20 UTC v1 Core Memo

TD Bank exec says simple cash-back cards often beat complex rewards

TD Bank's head of credit cards and unsecured lending, Chris Fred, says a flat-rate cash-back card often serves the average consumer better than rewards programs built around bonus categories and high annual fees.

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TD Bank's head of credit cards and unsecured lending, Chris Fred, says a flat-rate cash-back card often serves the average consumer better than rewards programs built around bonus categories and high annual fees.

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