TD FlexPay Credit Card: Where Flexibility Meets Financial Freedom

With the TD FlexPay Credit Card, you’re not just borrowing — you’re building financial resilience. 

The TD FlexPay Credit Card is built for real life — with all its unexpected expenses, shifting budgets, and evolving goals. Whether you’re catching up on bills, planning a big purchase, or just need more control over your spending, this card offers the flexibility and features to make it happen. From extended 0% intro APR to digital tools that simplify your money management, FlexPay is more than a card — it’s a financial companion.

Occasional Rewards, Always on Your Side

Though not a rewards-focused card, TD FlexPay occasionally delivers promotional perks, such as cash-back deals and targeted discounts. These offers often appear via email or directly through the TD app, giving you surprise savings without needing to track categories or reach spending thresholds. And with zero annual fee, every dollar you save is yours to keep.

Extended 0% Intro APR — A Window of Opportunity

One of the biggest strengths of the TD FlexPay Credit Card is its generous 0% introductory APR for up to 18 months on both purchases and balance transfers. This gives you an extended period to pay down balances or finance big-ticket expenses without interest getting in the way. After that, a variable APR ranging from 19.24% to 29.24% will apply based on your credit profile. It’s an ideal choice for those looking to get ahead — or catch up.

Built-In Financial Tools to Keep You Steady

Stay organized and in control with these included money-management features:

• Free monthly FICO® Score access, so you always know where you stand.
• Custom account alerts, keeping you in the loop on due dates and spending activity.
• TD Bank mobile app with intuitive interfaces to manage bills, view balances, and set spending goals.
• Tap-to-pay and mobile wallet compatibility for fast, contactless payments in stores or online.

Every feature is tailored to give you more confidence with every swipe.

Smarter Tech, Easier Living

Technology should make your life simpler — and with TD FlexPay, it does:

• Instantly lock or unlock your card from your mobile device.
• Enable auto-pay to avoid missed payments.
• Connect to Apple Pay®, Google Pay™, and Samsung Pay™ for seamless digital transactions.
• Track purchases, monitor your spending habits, and set savings goals in the app.

Whether you’re commuting, shopping, or managing finances on the couch, your card is always just a tap away.

Security That Works Quietly — But Powerfully

You can’t see it, but your TD FlexPay Credit Card is always working to protect you:

• Zero Liability for unauthorized transactions means you’re never responsible for fraud.
• EMV chip protection adds a layer of defense at every register.
• 24/7 fraud monitoring and real-time alerts help stop suspicious activity.
• Emergency card replacement and global assistance keep you covered, wherever you go.

Rest easy knowing your finances are safe — without the need for extra effort on your part.

What You Need to Know: Key Terms

Before you apply, here are the main terms in plain language:

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

Pro tip: If you’re using this card to consolidate debt, start making payments right away to maximize your 0% savings window.

Apply Now and Take the First Step Toward Control

Get started today with a credit card that puts your financial flexibility first:

1. Visit the TD Bank website.
2. Complete a secure online application.
3. Receive a fast approval decision and start managing your money on your terms.

The TD FlexPay Credit Card is your invitation to more freedom, less stress, and a smarter way to spend. Apply now and take control of your future.