Rated 4/5.0 stars by our editorial team
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4/5.0 from 0 Offer Ratings
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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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- Regular Purchase APR 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness
- Intro Purchase APR N/A
- Intro BT APR Get our best balance transfer offer: 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.
- Annual Fee None
- Credit Needed Good / Excellent
- Card Brand Visa®
- Regular Purchase APR 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness
- Intro Purchase APR N/A
- Intro BT APR Get our best balance transfer offer: 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.
- Annual Fee None
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Click APPLY NOW to apply online.
- Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.
- No annual fee
- Get built-in flexibility with the TD FlexPay Credit Card
- Our best balance transfer offer.
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.
- Rates & Fees
Card Fees
Foreign Transaction Fee
3% of each transaction in U.S. dollars
Balance Transfer Fee
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: Either $5 or 5% of the amount of each transfer, whichever is greater
Penalty APR
None
Ongoing Information
Rewards Rate
Non-rewards card
Annual Fee
None
Expert Reviews
From the CompareCards.com Editorial Team, updated on Mar 05, 2026
Expert Reviews of TD FlexPay Credit Card
The Bottom Line
The Good
The Not so Good
Editorial Note: This content is not provided by TD Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by TD Bank.
Consumer Reviews
OFFER RATING
/5.0
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Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
