TD FlexPay Credit Card
- Annual Fee
- $0
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Traditional
- Credit Required
- Good to Excellent
Earning Rates
- 0X
All Other
This card does not earn rewards - value is in the 0% intro APR on balance transfers
Benefits & Perks
Insurance & Protections
4 protectionsFirst late fee refunded automatically each year
TD refunds your first late payment fee every 12 billing cycles; past due payments can still affect your credit.
Zero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Cell phone protection when you pay your bill with the card
$500
Up to $500 per claim (two claims, $1,000 per 12 months, $50 deductible) for a stolen or damaged phone when the monthly bill is paid with the card.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Reviews & Analysis
Pros and Cons
Pros
- +No annual fee
- +0% intro APR on balance transfers for the first 18 billing cycles (transfers made within the first 90 days)
- +First late payment fee refunded every 12 billing cycles
- +Free authorized users
- +Good for paying down transferred balances interest-free for 18 billing cycles
Cons
- -No rewards program (0% cash back, no points)
- -3% foreign transaction fee
- -Ongoing purchase APR of 17.49%-27.49% after approval, with no intro APR on purchases
- -Limited geographic availability (TD Bank footprint states only)
- -3% balance transfer fee applies
Who It's Best For
Best For
- Balance transfers that need 0% financing (18 billing cycles on transfers made within the first 90 days)
- Those who want the first late payment fee refunded each year
- Consolidating debt with 0% intro APR balance transfers
- TD Bank customers who prefer payment flexibility over rewards
Not Ideal For
- Rewards seekers (this card earns no points or cash back)
- International travelers (3% foreign transaction fee)
- Those outside TD Bank's East Coast footprint states
- Cardholders seeking the lowest possible ongoing APR
Details & Terms
Payment Terms
| Purchase APR | 17.49%–27.49% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Td Bank Official | — | Td Bank Official |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | — | Issuer Page |
| Issuer Page | — | Issuer Page |
| Issuer Page | — | Issuer Page |
| TD Bank Official | TD Bank Official |