General
TD BankTD FlexPay Credit Card
Balance transfers and everyday spending
Welcome bonus
No welcome bonus currently available
Rewards
Reward details will be available soon.
Benefits
- Cell phone protection when you pay your monthly mobile bill with your card
- First late fee automatically refunded each year
- Add TD cards to mobile device for online, in-store and in-app purchases
- Visa Zero Liability protection against unauthorized charges
- Contactless payments for convenience and security
Pros
- No annual fee
- 0% introductory APR on balance transfers for 18 billing cycles
- Late fee forgiveness (first late fee refunded each year)
- Visa benefits including cell phone protection
- Contactless payments and digital wallet support
Cons
- High APR after introductory period (17.49% - 27.49% variable)
- Balance transfer fee applies (3% or $5 minimum)
- High cash advance APR (28.74% variable)
- Foreign transaction fee (3%)
- Late payment fee up to $40