$0
Annual fee
See the card
Card reviewTD Bank
Updated Jul 22, 2026 · research
TD Bank
TD FlexPay Credit Card
Get built-in flexibility and TD's best balance transfer offer with the TD FlexPay Credit Card.
Entry LevelPersonal
Visa
$0
Annual fee
—
Top rate
3%
Foreign fee
N/A
Rating
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
APR Information
- Purchase APR
- 17.49% - 27.49%
- Balance Transfer APR
- 17.49% - 27.49%0% intro APR for 18 months
- Cash Advance APR
- 28.74%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
5 benefits including 1 hidden gems
Purchase Protection
Statement Credits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
The TD FlexPay Credit Card features a 0% introductory APR on balance transfers for the first 18 billing cycles for transfers made within the first 90 days. It has no annual fee, late fee forgiveness for your first late fee each year, and Visa benefits.
Ready to Decide?
Apply for the TD FlexPay Credit Card
Current offer available with no annual fee.
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Sources & Methodology
Data Collection
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Data Quality
- 5 of 5 benefits rated high confidence
- 5 source citations across benefits
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