TD FlexPay Credit Card
By Alex Compton · Last verified
Eighteen billing cycles of 0% on transfers, plus a yearly oops button for late fees.
Welcome Bonus
None
No welcome offer; 0% intro APR on balance transfers for 18 billing cycles (transfers within 90 days, 3% intro fee) confirmed
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
Good
(670+)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; 0% intro APR on balance transfers for 18 billing cycles (transfers within 90 days, 3% intro fee) confirmed | TD FlexPay Credit Card product page → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer: the 0% transfer window is the product | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
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.
Fields: benefits
TD FlexPay Credit Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 0xNo rewards: this card is built for balance transfers
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦0% intro APR for 18 billing cycles on balance transfers made in the first 90 days
- ✦First late fee each year refunded automatically
- ✦Cell phone protection when you pay your mobile bill with the card
- ✦No annual fee
Why it earns its spot
- +18 cycles is longer than most 0% transfer windows
- +The annual late fee refund is unique forgiveness in this category
- +No annual fee while you pay down debt
Where it costs you
- −3% transfer fee during the intro window, rising to 5% after
- −No rewards and no 0% window on purchases
- −Only available in TD's East Coast footprint states
The Compound Verdict
A single-purpose debt tool that does its one job well: 18 billing cycles at 0% is near the top of the market, and the recurring late fee forgiveness is a thoughtful touch for people digging out of trouble. The 3% transfer fee is standard, not special. Move the debt, set autopay, and do not spend on this card.
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