TD FlexPay Credit Card
4.0
4.0
MoneyAtlas
Rating
Ongoing Annual Fee
$0
Ongoing Purchases APR
17.99%, 19.99%, 22.99%, 25.99% or 27.99% Variable
Introductory Balance Transfer APR
0% introductory APR on balance transfers for first 18 billing cycles after account opening.
Ongoing Balance Transfer APR
17.99%, 19.99%, 22.99%, 25.99% or 27.99% Variable
Credit Score Needed
Pros
Long 0% intro APR on balance transfers: Generous 0% rate for 18 billing cycles on transfers
No annual fee and late‑fee forgiveness: No fee and one late-payment fee forgiven per calendar year
Cons
No rewards, welcome bonus, or purchase APR offer: Doesn’t earn cash back or offer a 0% intro APR on purchases