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TD FlexPay card

TD FlexPay

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Good / Excellent
Card network
Visa
Regular purchase APR
18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime…
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The TD FlexPay credit card is a balance transfer card with a difference. Beyond a lengthy intro APR on transfers, cardholders have the peace of mind that they can schedule which billing cycle in the future to skip a monthly payment each year with no penalty.

Our review of the TD FlexPay

Looking for a balance transfer credit card? The TD FlexPay credit card from TD Bank offers the best-ever balance transfer offer. With a lengthy 0% intro APR period on transfers, the ability to skip one payment each year, and more – all with no annual fee.

What Is FlexPay?

The TD FlexPay Visa Platinum Card comes with a unique feature called “FlexPay.” Life happens, finances get tight, but TD Bank – known as “America’s Most Convenient Bank,” is here to help. FlexPay allows cardholders to schedule which billing cycle in the future they want to skip the monthly payment without any penalty. TD Bank even offers a late fee forgiveness bonus, providing a one-time $40 refund on late payment fees every twelve billing cycles.

18 Months of 0% APR on Balance Transfers

One of the major highlights of the TD FlexPay credit card is the impressive 18 months of 0% introductory APR on balance transfers. This offer is on par with other major banks and rewards cards like the Citi® Double Cash Card. However, it does not apply to purchases, unlike some leading cards in the market.

Balance Transfer Comparison

Here’s how the TD FlexPay credit card compares to two leading balance transfer cards:

CardTD FlexPay Credit CardCiti® Diamond Preferred® CardChase Slate Edge
Annual feeNoneNoneNone
0% APR on purchasesN/A12 months18 months
0% APR on transfers18 months21 months18 months
Balance transfer feeIntro fee: $5 or 3%5% of each balance transfer;Intro fee: $5 or
$5 minimum3%

Available to Canadians Resident in the US

Canadian residents in the US can benefit from the TD FlexPay credit card, allowing them to use their TransUnion Canada credit score for consideration. This feature is ideal for Canadians who travel for business, have family in the US, or are retirees (snowbirds) spending time in the US.

Other Card Features

In addition to the balance transfer offer, TD FlexPay cardholders can enjoy cell phone protection, Zero Fraud Liability, Cardholder Inquiry Services, Emergency Card Replacement, and more through the Visa network.

Curious about TD Bank’s reputation as a lender? Here are some expert reviews:

Should You Apply for the TD FlexPay Credit Card?

The TD FlexPay credit card is a great option for TD Bank customers or Canadians relocating to the US. With attractive features like the skip-a-payment benefit and 18 months of 0% intro APR on transfers, it’s definitely worth considering. However, if you’re looking for the best intro APR offers, there may be better options available from other banks.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Get TD Bank's best balance transfer offer
  • Skip a Payment once a year with no penalty
  • No annual fee
  • No foreign transaction fees
  • Visa Platinum credit card benefits and protections

Who this card may suit

  • You want a balance transfer credit card that works around your needs
  • You can be forgetful and want a card that understands nobody is perfect
  • You plan to use the card for foreign trips or vacations
  • You don't want to pay an annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% Introductory APR for the first 18 billing cycles
Balance Transfer APR18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeIntro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 18 billing cycles after Account opening referenced in the offer above After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance APR30.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment Penalty FeeUp to $40, first late payment fee refunded every 12 billing cycles.
Return Payment Penalty FeeReturn Payment Penalty Fee:
Minimum Deposit RequiredN/A

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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TD FlexPay

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