TD FlexPay Credit Card Review [2025]: Great for Balance Transfers

TD FlexPay Credit Card basics

Is the TD FlexPay Credit Card right for you?

You should consider the TD FlexPay Credit Card if:

• You want an intro APR offer on balance transfers.
• You have at least good credit.
• You occasionally make late credit card payments and want a buffer against late fees.

In addition to these, we also like this card for current TD Bank customers. While it might not be the perfect credit card for everyone, it could be a strong option for you if you already bank with TD and would prefer the simplicity of sticking with your current institution over applying with a new bank and having to learn a new platform.

Plus, this is the best TD Bank credit card for balance transfers, and applying for a credit card with a bank where you're already a customer can sometimes increase your chances of approval.

Who this card isn't right for

If you want to earn rewards or you want an intro APR offer on purchases, the TD FlexPay Credit Card isn't the card for you. And if you can't qualify with your credit score but need a card like it, consider one of these balance transfer cards for fair credit.

Note that the TD FlexPay Credit Card doesn't have the best balance transfer offer of any card or issuer out there, but it's better than average and worth considering if you're planning to do a balance transfer.

Read more: Longest balance transfer credit cards

TD FlexPay Credit Card benefits and perks

• $0 annual fee: There's no annual cost with a $0 annual fee.
• Intro APR offer on balance transfers: Receive 0% intro APR for 18 billing cycles on balance transfers (then 18.24%, 20.24%, 23.24%, 26.24% or 28.24% (variable)). The balance transfer fee is $5 or 3%, whichever is greater (during the first 18 billing cycles after account opening), then $5 or 5%, whichever is greater.
• Late fee forgiveness: Receive a late payment fee refund once every 12 billing cycles for your first late fee. Keep in mind that late payments could still reflect on your credit report, which could affect your credit score and personal finance goals.
• Visa benefits: Take advantage of Visa Platinum benefits, including cell phone protection and roadside dispatch.

Drawbacks of the TD FlexPay Credit Card

• No rewards: The TD FlexPay Credit Card isn't connected to a rewards program, which means there isn't a welcome bonus offer and you don't earn rewards for making eligible purchases. If you want to earn points, miles, or cash back, use rewards credit cards.
• No intro APR offer on purchases: The TD FlexPay Credit Card doesn't typically provide an intro APR offer on purchases. For cards with intro APR offers on purchases, check out our list of 0% intro APR credit cards.
• Address requirements: You have to live within the TD Bank footprint to apply for a TD Bank credit card. The footprint includes Connecticut, the District of Columbia, Delaware, Florida, Maine, Maryland, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, and Vermont.

TD FlexPay alternatives

If the TD FlexPay Credit Card doesn't seem like the right card for you, compare credit cards to find a better fit. Two of our top recommendations for balance transfer cards include the BankAmericard^® Credit Card and Wells Fargo Active Cash^® Card. See how all three cards compare.

BankAmericard^® Credit Card

If you want a credit card with intro APR offers on both purchases and qualifying balance transfers, consider the BankAmericard. The BankAmericard has one of the longest intro APR offers available, giving you plenty of time to pay off qualifying balance transfers or large purchases.

Learn more in our BankAmericard credit card review.

Wells Fargo Active Cash^® Card

If you want to take advantage of intro APR offers and earn rewards on eligible purchases, consider the Wells Fargo Active Cash. The Active Cash Card has intro APR offers on purchases and qualifying balance transfers, and you can earn unlimited 2% cash rewards on purchases.

Read our full Wells Fargo Active Cash review.

Lucrative, Flat-Rate Cash Rewards

Wells Fargo Active Cash^® Card

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Wells Fargo Active Cash^® Card

Apply Now

Rates and fees

Current Offer

$200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual Fee

$0

Rewards Rate

Earn unlimited 2% cash rewards on purchases

Benefits and Drawbacks

Benefits

• Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
• Cell phone protection benefit (subject to a $25 deductible)
• Can redeem rewards at an ATM for literal cash

Drawbacks

• Foreign transaction fee of 3%
• No bonus categories

Card Details

• Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don’t expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

FAQ

Bottom line

We recommend the TD FlexPay Credit Card(Rates and fees) if you want a $0-annual-fee card with an excellent balance transfer offer. The TD FlexPay Credit Card also provides cell phone protection, but it doesn't have an intro APR offer on purchases or earn rewards.

If you need a longer intro APR offer on balance transfers or also want to earn rewards on eligible purchases, find more suitable credit card offers on our list of the best balance transfer cards.

TD FlexPay Credit Card

4.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

TD FlexPay Credit Card

Apply Now

Rates and fees

Current Offer

Get our best balance transfer offer: 0% introductory APR on balance transfers for first 18 billing cycles after account opening. After that 18.24% - 28.24% variable APR based on your creditworthiness.

Annual Fee

$0

Benefits and Drawbacks

Benefits

• Longer intro APR period on balance transfers than many cards
• $0 annual fee
• Offers cell phone protection

Drawbacks

• Does not earn cash back or other rewards
• No intro APR offer for new purchases
• Minimal benefits beyond balance transfer offer

Card Details

• 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
• No annual fee
• Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
• Get a 0% introductory APR on balance transfers for the first 18 billing cycles after account opening (then 18.24%, 20.24%, 23.24%, 26.24% or 28.24% (variable)).