VISA

Visa Traditional

TD FlexPay Credit Card

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Benefits & Perks

Insurance & Protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Zero liability for unauthorized charges

You're protected against fraudulent transactions made without your permission

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Up to $100 purchase protection per claim$100

Covers damage, theft, or loss of items purchased with your card

Reviews & Analysis

Pros and Cons

Pros

+No annual fee
+0% intro APR on both purchases AND balance transfers for 15 months
+Pick Your Pay flexibility to choose statement balance, minimum, or custom payment
+Free authorized users
+Good for financing large purchases interest-free

Cons

-No rewards program (0% cash back, no points)
-3% foreign transaction fee
-Higher ongoing APR (17.99%-27.99%) than TD Clear Card
-Limited geographic availability (TD Bank footprint states only)
-3% balance transfer fee applies

Who It's Best For

Details & Terms

Payment Terms

Purchase APR	17.99%–27.99% (Variable)
Cash Advance APR	26.49% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source

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See all TD Bank cards →Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Traditional

TD FlexPay Credit Card

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Benefits & Perks

Insurance & Protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Zero liability for unauthorized charges

You're protected against fraudulent transactions made without your permission

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Up to $100 purchase protection per claim$100

Covers damage, theft, or loss of items purchased with your card

Reviews & Analysis

Pros and Cons

Pros

+No annual fee
+0% intro APR on both purchases AND balance transfers for 15 months
+Pick Your Pay flexibility to choose statement balance, minimum, or custom payment
+Free authorized users
+Good for financing large purchases interest-free

Cons

-No rewards program (0% cash back, no points)
-3% foreign transaction fee
-Higher ongoing APR (17.99%-27.99%) than TD Clear Card
-Limited geographic availability (TD Bank footprint states only)
-3% balance transfer fee applies

Who It's Best For

Details & Terms

Payment Terms

Purchase APR	17.99%–27.99% (Variable)
Cash Advance APR	26.49% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source

Explore More

See all TD Bank cards →Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Traditional

TD FlexPay Credit Card

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Benefits & Perks

Insurance & Protections

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

Zero liability for unauthorized charges

You're protected against fraudulent transactions made without your permission

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Up to $100 purchase protection per claim$100

Covers damage, theft, or loss of items purchased with your card

Reviews & Analysis

Pros and Cons

Pros

+No annual fee
+0% intro APR on both purchases AND balance transfers for 15 months
+Pick Your Pay flexibility to choose statement balance, minimum, or custom payment
+Free authorized users
+Good for financing large purchases interest-free

Cons

-No rewards program (0% cash back, no points)
-3% foreign transaction fee
-Higher ongoing APR (17.99%-27.99%) than TD Clear Card
-Limited geographic availability (TD Bank footprint states only)
-3% balance transfer fee applies

Who It's Best For

Details & Terms

Payment Terms

Purchase APR	17.99%–27.99% (Variable)
Cash Advance APR	26.49% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source

Explore More

See all TD Bank cards →Browse all card categories →Browse all card benefits →Browse all credit cards →

Best For

✓Large purchases that need 0% financing (15 months on purchases and balance transfers)
✓Those who want flexible monthly payment options (Pick Your Pay feature)
✓Consolidating debt with 0% intro APR balance transfers
✓TD Bank customers who prefer payment flexibility over rewards

Not Ideal For

✗Rewards seekers (this card earns no points or cash back)
✗International travelers (3% foreign transaction fee)
✗Those outside TD Bank's East Coast footprint states
✗Cardholders seeking the lowest possible ongoing APR

Best For

✓Large purchases that need 0% financing (15 months on purchases and balance transfers)
✓Those who want flexible monthly payment options (Pick Your Pay feature)
✓Consolidating debt with 0% intro APR balance transfers
✓TD Bank customers who prefer payment flexibility over rewards

Not Ideal For

✗Rewards seekers (this card earns no points or cash back)
✗International travelers (3% foreign transaction fee)
✗Those outside TD Bank's East Coast footprint states
✗Cardholders seeking the lowest possible ongoing APR

Best For

✓Large purchases that need 0% financing (15 months on purchases and balance transfers)
✓Those who want flexible monthly payment options (Pick Your Pay feature)
✓Consolidating debt with 0% intro APR balance transfers
✓TD Bank customers who prefer payment flexibility over rewards

Not Ideal For

✗Rewards seekers (this card earns no points or cash back)
✗International travelers (3% foreign transaction fee)
✗Those outside TD Bank's East Coast footprint states
✗Cardholders seeking the lowest possible ongoing APR