TD FlexPay Credit Card: Flexibility and Control When You Need It Most

With the TD FlexPay Credit Card, you’re not just borrowing — you’re building financial resilience. 

Looking for a credit card that adapts to your financial life — not the other way around? The TD FlexPay Credit Card is designed to give you breathing room when it matters most, while also helping you take charge of your budget. With flexible payment options, generous introductory APR, powerful financial tools, and advanced security features, this card is more than a line of credit — it’s your financial ally.

Earn Extra Value Through Limited-Time Rewards

While the TD FlexPay Credit Card focuses on flexible payments, you’ll also find valuable promotional offers such as partner discounts or limited-time cashback bonuses. These opportunities are often shared through the TD mobile app or website, making it easy to take advantage of special deals as they arise. Plus, with no annual fee, you’re free to enjoy the card’s perks without the pressure of extra costs.

Save Big with 0% Intro APR

The TD FlexPay Credit Card offers an impressive 0% introductory APR for up to 18 months on purchases and balance transfers. Whether you’re planning a large expense or consolidating higher-interest debt, this card gives you time to pay it down without interest piling up. After the intro period, a variable APR between 19.24% and 29.24% applies, depending on your creditworthiness. Compared to many other cards, TD FlexPay’s lengthy 0% APR term gives you more time to take control of your balance.

Smart Tools for Smarter Money Management

Take control of your finances with tools and features designed to simplify your life:

• Free access to your monthly FICO® Score, helping you track your credit health.
• Customizable account alerts to keep tabs on due dates, spending, and unusual activity.
• TD mobile banking app, giving you full visibility into transactions, balances, and bill payments.
• Tap-to-pay and digital wallet compatibility for contactless payments on the go.

Everything you need is at your fingertips to stay informed, organized, and on budget.

Seamless Technology for Everyday Convenience

Tech-forward features make managing your TD FlexPay Credit Card easier than ever:

• Instantly lock or unlock your card in the TD mobile app if it’s misplaced or stolen.
• Set up payment reminders and autopay to stay ahead of due dates.
• Enjoy full integration with Apple Pay®, Google Pay™, and Samsung Pay™ for fast, contactless transactions.
• Monitor your credit trends and set personal goals directly through the app.

Whether you’re managing payments or tracking spending, the TD mobile experience gives you clarity and control — wherever you are.

Security That Has Your Back

Rest easy with robust security features that protect you and your finances:

• Zero Liability Protection for unauthorized purchases.
• EMV chip technology for secure in-store transactions.
• Real-time fraud monitoring and 24/7 alerts.
• Emergency card replacement and travel support to keep you covered on the road.

With TD’s security infrastructure, you can focus on your goals — not on worrying about your card.

Transparent Terms That Work in Your Favor

Here’s what you need to know at a glance:

• Intro APR: 0% for up to 18 months on purchases and balance transfers.
• Standard APR: Variable 19.24%–29.24%, based on creditworthiness.
• Balance transfer fee: 3% or $5 (whichever is greater).
• Annual fee: $0.
• Foreign transaction fee: 3%.

Tip: If you’re transferring a balance, pay it off during the intro period to avoid future interest charges.

Apply Now and Take Control of Your Credit

Don’t wait to gain more flexibility in your financial journey. Applying is quick and secure:

1. Head to the TD Bank website.
2. Complete the online application with your personal and financial details.
3. Receive a fast decision and start enjoying the benefits.

Apply today and take the first step toward smarter spending.