TD FlexPay Credit Card – Flexible Payments, Powerful Savings

The TD FlexPay Credit Card is designed to provide you with breathing room when you need it most.

If you’re looking for a credit card that offers both flexibility and real financial value, the TD FlexPay Credit Card might be your perfect match. This thoughtfully designed card empowers you to take control of your spending, save money with a long 0% intro APR offer, and enjoy breathing room when life gets busy — all while paying no annual fee.

With its combination of late fee forgiveness, balance transfer savings, and modern digital tools, the TD FlexPay is more than just a credit card — it’s a smart companion for your financial journey.

🎯 A Card That Prioritizes Flexibility and Savings

The TD FlexPay Credit Card was made for real life — because real life doesn’t always go as planned. Whether you’re dealing with unexpected expenses, consolidating debt, or just looking to streamline your finances, this card gives you the flexibility to adjust without penalty. Unlike many traditional cards that charge you at every misstep, TD FlexPay offers understanding, convenience, and protection.

🎁 Save Big on Balance Transfers

One of the standout features of the TD FlexPay Credit Card is its 0% introductory APR on balance transfers for the first 18 billing cycles. That means:

• You can transfer existing high-interest credit card balances and pay no interest for 18 months.
• The balance transfer fee is either $5 or 3% of the amount transferred (whichever is greater), which is competitive and clearly stated.
• After the introductory period, a variable APR of 18.24% to 28.24% applies, depending on your creditworthiness.

If you’re carrying balances on other cards, this is a golden opportunity to consolidate your debt and save hundreds in interest. Just remember to make on-time payments and try to pay off the transferred balance within the intro period for maximum savings.

🧾 No Annual Fee and Automatic Late Fee Forgiveness

Unlike many credit cards that nickel-and-dime you with extra charges, the TD FlexPay Credit Card:

• Charges no annual fee, helping you keep more money in your wallet year after year.
• Offers automatic late fee forgiveness once every 12 months — if you miss a payment, you’ll get the late fee refunded (note: while the fee is forgiven, late payments may still impact your credit score).

This combination makes it an ideal card for those who want to avoid surprise penalties and maintain financial peace of mind.

📱 Stay in Control with Digital Tools

Managing your account is simple with TD’s easy-to-use digital tools:

• Online and mobile banking allow you to check your balance, track transactions, and make payments from anywhere.
• Set up custom account alerts to stay on top of due dates and spending.
• Compatible with Apple Pay, Google Pay, and Samsung Pay, so you can pay seamlessly and securely with your phone or smartwatch.
• Add your TD FlexPay Credit Card to your digital wallet and enjoy contactless payments at thousands of merchants nationwide.

This card fits perfectly into a fast-paced, digital lifestyle.

🔐 Security You Can Trust

Your safety is a top priority. That’s why the TD FlexPay Credit Card is equipped with industry-leading security features:

• Visa Zero Liability Protection, so you won’t be held responsible for unauthorized purchases.
• EMV chip technology provides greater protection from card-present fraud.
• Real-time fraud monitoring and immediate alerts help you detect suspicious activity quickly.
• Cell phone protection is included when you pay your monthly phone bill with the card, giving you added peace of mind.

From everyday use to online shopping and travel, this card offers strong defenses against fraud and loss.

📄 Key Terms & Transparent Conditions

Let’s break down the essential details of the TD FlexPay Credit Card:

• Introductory APR: 0% for 18 billing cycles on balance transfers.
• Ongoing APR: 18.24% to 28.24% variable, based on creditworthiness.
• Balance Transfer Fee: $5 or 3% of the transfer amount, whichever is greater.
• Annual Fee: $0.
• Foreign Transaction Fee: 3%.
• Late Fee Forgiveness: One refunded late fee per 12-month period.

💡 Smart Tip: Transfer your balances soon after approval to maximize the 18-month 0% APR period. Set up auto-pay to avoid late payments and maintain your credit score.

✅ Why Choose the TD FlexPay Credit Card?

Because life is unpredictable — and your credit card should adapt. Whether you’re looking to save on interest, avoid late fees, or enjoy powerful tools to stay in control of your money, the TD FlexPay Card delivers on all fronts.

No annual fee. Generous 0% APR. Forgiveness when it counts. Smart digital features. What’s not to love?

🎯 Apply Today and Take Charge of Your Financial Future

Ready to enjoy more flexibility, better control, and real savings? The TD FlexPay Credit Card is waiting for you.

👉 Apply now and experience the freedom of smarter credit.