When life throws financial curveballs, the TD FlexPay Credit Card gives you the tools to handle them with confidence. Designed with flexibility in mind, this card offers generous 0% intro APR, intelligent account management tools, no annual fee, and advanced mobile features — all backed by TD Bank’s trusted service. It’s a modern card for modern challenges, helping you take charge of your budget without the stress.
Limited-Time Offers to Boost Everyday Spending
While the TD FlexPay Credit Card is not a traditional rewards card, it occasionally features limited-time cashback promotions, especially for new users or specific categories. Whether you’re shopping online or in-store, you might unlock seasonal incentives or exclusive discounts through the TD mobile app. With no annual fee, it’s easy to take advantage of these offers without added costs or conditions.
0% Intro APR That Helps You Catch Up
Managing debt or financing a big purchase just got easier. The TD FlexPay Credit Card gives you a 0% introductory APR for up to 18 months on purchases and balance transfers — one of the most generous periods available. After that, a variable APR applies (between 19.24% and 29.24%, based on your creditworthiness). Whether you’re planning a large expense or looking to consolidate debt from other cards, this feature can help you reduce interest and gain momentum on your financial goals.
Budgeting Tools to Keep You in Control
TD FlexPay is more than a card — it’s a financial management tool. Here’s how it helps:
- Free monthly FICO® Score tracking, so you’re always in the know about your credit health.
- Real-time account alerts for due dates, payment confirmations, and unusual activity.
- Mobile banking with goal-setting features, so you can build smart habits over time.
- Digital wallet support for secure, easy payments wherever you go.
These tools are intuitive, effective, and built with your financial wellness in mind.
Built for Speed, Simplicity, and Flexibility
From contactless purchases to mobile control, TD FlexPay is engineered for the digital age:
- Instantly lock or unlock your card in the TD app.
- Set up autopay or custom reminders to stay ahead of due dates.
- Use Apple Pay®, Google Pay™, or Samsung Pay™ at checkout.
- Track spending, set goals, and view your entire financial picture on the go.
Everything is tailored to make your financial life simpler and smarter — from your phone to your fingertips.
Always-On Security for Peace of Mind
Your security is non-negotiable, and TD delivers:
- Zero Liability Protection ensures you’re never responsible for unauthorized charges.
- EMV chip technology helps block fraud at the register.
- 24/7 monitoring and real-time alerts keep your account safe.
- Emergency card replacement and global assistance add peace of mind while traveling.
Whether you’re at home or abroad, your TD FlexPay Card is protected by top-tier systems.
Know the Details Before You Swipe
Let’s break down the most important terms:
- Intro APR: 0% for up to 18 months on purchases and balance transfers.
- Ongoing APR: 19.24%–29.24% variable.
- Balance transfer fee: 3% or $5 minimum (whichever is greater).
- Annual fee: $0.
- Foreign transaction fee: 3%.
Pro tip: If you’re planning a balance transfer, pay it off before the 0% APR period ends to avoid interest charges.
Ready to Take Control? Apply in Minutes
You deserve a card that understands your financial journey. Applying is quick and simple:
- Visit TD Bank’s official website.
- Complete the secure online application.
- Get a fast decision and start managing your money with more flexibility.
Apply today and take the smarter path forward.
