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TD FlexPay Credit Card Review

Last Updated on July 27, 2026

Offer Rating

3.5/ 5

By Our Content Team

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.

Editor

3.5

CompareCredit Score

Current 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.

on TD Bank's secure site

Intro APR0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening.
Regular APR17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness.
Extra PerksNo annual fee and enjoy Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
Annual FeeNo annual fee
Credit Score NeededGood, Excellent
Card Brand

Product Details

Select 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

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.

Select 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

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.

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Why We Like It

Editorial Disclosure

Offer Rating

3.5/ 5

By Our Content Team

Key Benefit

Cardholders can enjoy an extra-long intro balance transfer APR period without having to worry about high fees.

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.