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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards: this card is built for balance transfers
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦0% intro APR for 18 billing cycles on balance transfers made in the first 90 days
- ✦First late payment fee refunded once every 12 billing cycles
- ✦Flexible payment due date options
- ✦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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