TD FlexPay Credit Card
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The TD FlexPay Credit Card is a balance transfer card designed for people who have higher-interest debt from other credit cards that they want to pay off. It has a long 0% intro APR offer for balance transfers, but not on purchases. One benefit is there’s 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, the balance transfer fee is $5 or 5% of the amount of each transfer, whichever is greater.
There are no rewards and no welcome bonus. TD Bank is only available in a handful of states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT, so you’re out of luck if you don’t live in one of them. We dive into the details and your approval odds in this TD FlexPay review.
Our Rating
3.2/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
No rewards
0% Intro on Balance Transfers
18 months
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Alerts, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Cell Phone Protection, 24/7 customer service |
| Travel Perks | Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Regular APR | 19.24%, 21.24%, 24.24%, 27.24% or 29.24% (V) APR |
| Balance Transfers | 0% Intro APR for 18 months on balance transfers, then 19.24%, 21.24%, 24.24%, 27.24% or 29.24%(V) APR after that. |
| Balance Transfer Intro Fee | Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. |
| Balance Transfer Fee | Either $5 or 5% of the amount of each transfer, whichever is greater. |
Pros & Cons
- No annual fee
- 0% intro APR for balance transfers
- No welcome bonus
- No rewards
- High APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
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Citi® Diamond Preferred® Card
Rating
3.6
Rewards Range
N/A
Annual Fee
$0