TD FlexPay Credit Card: Credit with Room to Breathe

With the TD FlexPay Credit Card, you get more than a credit line — you get flexibility, simplicity, and smart tools that work for you.

If you’re looking for a credit card that gives you more than just spending power — one that offers real flexibility and smarter tools — the TD FlexPay Credit Card is for you. Whether you’re managing existing debt, planning a major purchase, or simply want a better way to stay in control of your finances, FlexPay combines affordability, digital convenience, and TD Bank’s trusted customer service to help you stay on track.

Special Offers Without the Hassle

Instead of a points system or rotating cashback categories, TD FlexPay rewards cardholders with occasional special offers, like seasonal discounts and targeted cashback promos. These are delivered through the TD app or via email and allow you to take advantage of exclusive savings when they matter most. And with no annual fee, there’s nothing standing in the way of real value.

0% Intro APR — A Long Window to Take Charge

The standout benefit of the TD FlexPay Credit Card? A long-lasting 0% intro APR for up to 18 months on purchases and balance transfers. After that, a variable APR between 19.24% and 29.24% will apply based on your creditworthiness. This gives you over a year and a half to pay off existing balances or finance large expenses — all without racking up interest in the meantime.

Helpful Tools to Support Your Financial Wellness

With TD FlexPay, you get more than just a card — you get built-in tools to keep your finances organized and stress-free:

• Monthly access to your FICO® Score, helping you monitor your credit progress
• Customizable account alerts for payment reminders, unusual activity, and more
• TD’s intuitive mobile app to track your spending, set goals, and manage your account anytime
• Contactless payment support and seamless integration with mobile wallets

It’s all designed to put financial control and clarity in your hands.

Digital Convenience That Keeps You Connected

Everything about TD FlexPay is designed for ease of use in today’s connected world:

• Instantly lock or unlock your card with a tap in the app
• Set up autopay and push notifications so you never miss a due date
• Shop securely with Apple Pay®, Google Pay™, and Samsung Pay™
• Review recent transactions, check your credit score, and stay updated on-the-go

Whether you’re at home or traveling, your account is always a few taps away.

Feel Secure Every Step of the Way

Your peace of mind is built into every swipe, tap, and transaction:

• Zero Liability Protection against unauthorized purchases
• Chip technology adds another layer of safety during in-person payments
• Real-time fraud alerts and 24/7 monitoring to detect and stop suspicious activity
• Emergency card replacement and travel assistance available when needed

TD takes your security seriously — so you can focus on life, not worry about fraud.

Understand the Terms Before You Apply

Here’s a summary of what to expect:

• Intro APR: 0% for up to 18 months on purchases and balance transfers
• Regular APR: 19.24%–29.24% variable
• Balance transfer fee: 3% or $5 (whichever is greater)
• Annual fee: None
• Foreign transaction fee: 3%

Tip: Make the most of the 0% APR window to pay off high-interest balances and keep your budget under control.

Apply Now — And Start Flexing Your Financial Power

Don’t wait to take control of your credit journey. Here’s how to get started:

1. Go to the TD Bank website
2. Fill out the online application
3. Get a quick decision and begin using your new card with confidence

Apply today and make your next move with confidence.