TD Bank
TD FlexPay Credit Card
Balance TransferNo Annual FeeIntro Offer
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% introductory APR on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. |
| Regular APR | 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness. After that, 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness. 28.74% variable APR |
| Other Fees | Balance Transfer Fee Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer,whichever is greater. Minimum Interest Charge $1 Cash Advance Fee $10 or 5% of advance whichever amount is greater Foreign Transaction Fee 3% of each transaction in U.S. dollars Late Payment Up to $40 Return Payment Up to $40 |
| Network | Visa |
Read the full review
Best for those with
Good Credit
About this card
The TD FlexPay Credit Card is primarily a balance transfer card with limited ongoing value. Its strengths include the 0% introductory APR on balance transfers and no annual fee. However, the high regular APR, foreign transaction fees, and limited rewards program significantly detract from its overall appeal. The card is best suited for individuals looking to transfer a balance and pay it off within the introductory period, but it's not a great option for everyday spending or long-term use due to the potential for high interest charges. Given these factors, an overall rating of 2.6 is appropriate.
2.6
Overall Rating
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Visa benefits
Things to consider
- High regular APR
- Foreign transaction fees apply
- Balance transfer fee
What this card offers
Sign-up bonuses
Rewards
Other features
- Visa benefits Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card1
- Late fee forgiveness We'll automatically refund your first late fee each year. Please note, past due payments may impact your credit score.
- Digital Wallet Add your TD cards to your mobile device to simplify your online, in-store and in-app purchases
- Visa Zero Liability2 Enjoy Visa security on purchases, plus protection against unauthorized charges
- Contactless Payments Learn more about the convenience and security of contactless payments
Ratings
3.5
1.5
1
1.8
2.8