{"card":{"slug":"td-flexpay","name":"TD FlexPay Credit Card","issuer":"td-bank","currency":"Cash Back"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.td.com/us/en/personal-banking/credit-cards/flex-pay","history":[{"date":"2026-06","bonus":0,"spend":0,"months":0,"note":"No welcome offer: the 0% transfer window is the product"},{"date":"2026-10-12","observedOn":"2026-10-12","bonus":0,"spend":0,"months":0,"note":"No welcome offer; 0% intro APR on balance transfers for 18 billing cycles (transfers within 90 days, 3% intro fee) confirmed","sourceUrl":"https://www.td.com/us/en/personal-banking/credit-cards/flex-pay","sourceLabel":"TD FlexPay Credit Card product page"}],"verificationEvents":[{"id":"d9bde77e-e500-42c1-8a76-6eec2c9ca190","entityType":"card","slug":"td-flexpay","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:06.260Z","sourceUrl":"https://www.td.com/us/en/personal-banking/credit-cards/flex-pay","sourceLabel":"TD FlexPay Credit Card product page","outcome":"changed","summary":"0% on balance transfers for 18 billing cycles (3% intro fee then 5%), automatic refund of the first late fee each year, no annual fee and 3% foreign fee confirmed; the unsubstantiated flexible due date benefit was replaced with cell phone protection.","changedFields":["benefits"],"facts":{"bonus":0,"annualFee":0,"foreignTransactionFee":3,"introBTCycles":18,"btFeeIntro":3,"btFeeAfter":5},"previousHash":"0090aeb0b6de37448a82b3f78b65841f1eef128b39e1e74c754a8ddf37cd46de","recordHash":"3ab6d0e9abd6fcc21986ef5850420d4c98918c028dafd03ee2b734de8da61052"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}