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TD FlexPay Credit Card
TD FlexPay Credit Card Review
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
TD FlexPay Credit Card
SIGN-UP BONUS
N/A
REWARDS RATE
Non-rewards card
Fees
No annual fee
Intro BT APR
Get our best balance transfer offer: 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.
Extra Benefits
Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
Annual Fee
None
Card Brand
Visa®
Recommended Credit Score
Good / ExcellentHighlights
- Click APPLY NOW to apply online.
- Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.
- No annual fee
- Get built-in flexibility with the TD FlexPay Credit Card
- Our best balance transfer offer.
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.
- Rates & Fees
Additional Info
Foreign Transaction Fee
3% of each transaction in U.S. dollars
Balance Transfer Fee
Intro Balance Transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Jan 23, 2026
The Good
The Not So Good
The Bottom Line
Editorial Note: This content is not provided by TD Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by TD Bank.
Related Card Offers
Apply Now
on Discover's secure site
Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 17.49% - 26.49% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
17.49% - 26.49% Variable APR
See Our Review
Apply Now
on Citibank's secure site
Intro Purchase APR
0% intro APR for 12 months on Purchases
Intro Balance Transfer APR
0% intro APR for 21 months on Balance Transfers
Regular Purchase & BT APR
16.49% - 27.24% (Variable)
See Our Review
Apply Now
on USAA's secure site
Intro BT APR
0% intro APR for 15 months on balance transfers, then 10.40% - 24.40% variable regular APR
Eligibility
Must be a USAA® member, or become a member, to apply.
Rates & Fees
$0 annual fee, no penalty APR & no foreign transaction fee
See Our Review
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.