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TD FlexPay Credit Card Review

Last Updated on May 13, 2026

Offer Rating

3.5/5

By Our Content Team

EDITOR

The TD FlexPay Credit Card offers an easy and secure way to manage your finances. With flexible payment options, a lengthy intro balance transfer period, and no annual fees or hidden charges, this card can certainly be beneficial in the right wallet.

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TD FlexPay Credit Card card art Rates & Fees

TD FlexPay Credit Card

3.5 BCC Score
Apply Now

on TD Bank's secure site

Welcome Offer
—
Rewards Rate
—
Intro APR
None and 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., then 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness.
Annual Fee
No annual fee
Credit Score Needed
Good, Excellent
Card Brand
Visa
  • 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
  • Visa benefits - Get Visa benefits like emergency card replacement, roadside assistance & cell phone protection when you pay your monthly mobile bill with your card. Terms apply.
  • Visa Zero Liability - Enjoy Visa security on purchases, plus protection against unauthorized charges
  • 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.

Review additional details for TD FlexPay Credit Card

More Info

Pros

  • Save money with a long Intro Balance Transfer APR period and no annual fee!
  • Enjoy Visa benefits such as cell phone protection when you pay your monthly mobile bill with your card.

Cons

  • There is no intro APR for purchases with this card.
  • This card does not offer a rewards program for purchases.
  • There is an 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.

OUR EXPERT REVIEW

Why We Like It

A balance transfer card true to its name, the TD FlexPay Credit Card gives cardholders some major flexibility! If you are looking for a balance transfer card that offers over a year of 0% introductory APR, then look no further.

There's a reason that the TD FlexPay Credit Card is TD Bank's best balance transfer card. Enjoy an astounding 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.

Pros & Cons

Pros

  • Save money with a long Intro Balance Transfer APR period and no annual fee!
  • Enjoy Visa benefits such as cell phone protection when you pay your monthly mobile bill with your card.

Cons

  • There is no intro APR for purchases with this card.
  • This card does not offer a rewards program for purchases.
  • There is an 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.

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