Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.74% - 28.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
18.74% - 28.74%(Verified 06/21/2024)
Credit Score Range
690 - 850
Annual Fee
$0
TD FlexPay Credit Card Review
This is a card issued by TD Bank. If you're wondering whether TD FlexPay Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.74% up to 28.74%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. TD FlexPay Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of td bank flexpay card
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td bank flexpay card FAQ
Does td bank flexpay card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for td bank flexpay card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.TD FlexPay Credit Card has a variable purchase APR that ranges from 18.74% up to 28.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 28.74%. It also has a variable cash advance APR of 29.99% .
Does td bank flexpay card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.74% - 28.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does td bank flexpay card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for td bank flexpay card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does td bank flexpay card have a foreign transaction fee?
td bank flexpay card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for td bank flexpay card?
The customer service number for td bank flexpay card is (833) 259-5980.
What is the support contact email for td bank flexpay card?
The support contact email for td bank flexpay card is customer.service@td.com.
What is the login page for td bank flexpay card?
You can access the login page of td bank flexpay card here.
How do people rate the customer service and user experience of td bank flexpay card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does TD FlexPay Credit Card report your account activity to credit bureaus?
Yes, TD FlexPay Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does TD Bank perform a hard credit pull?
Yes, td bank flexpay card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for td bank flexpay card
- Visit the website of td bank flexpay card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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