{"id":184840,"date":"2024-11-06T17:00:14","date_gmt":"2024-11-06T17:00:14","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=184840\/"},"modified":"2026-04-08T14:03:51","modified_gmt":"2026-04-08T14:03:51","slug":"td-flexpay","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/td-flexpay\/","title":{"rendered":"TD FlexPay Credit Card: 0% Introductory APR on Balance Transfers, No Annual Fee"},"content":{"rendered":"<p class=\"custom-blue\">TD Bank only offers credit cards to customers based in Connecticut, Delaware, District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, and Virginia. If you aren't physically located in one of these states, you'll be unable to apply for TD Bank credit cards discussed below.<\/p>\n<p>The <a data-ccid=\"5048309\" href=\"\/blog\/link\/CR-TDFlexPayCreditCard\" rel=\"noopener nofollow sponsored\">TD FlexPay Credit Card<\/a> is designed for <a target=\"_blank\" href=\"\/credit-cards\/best-balance-transfer-cards\/\" rel=\"noopener\">balance transfers<\/a> and reducing your stress as a borrower. It has some key advantages for potential cardmembers to be aware of, as well as some drawbacks compared to other balance transfer cards on the market.<\/p>\n<p>Is this card the right fit for your wallet? Let's dig into the details to see if the TD FlexPay Credit Card is right for your wallet.<\/p>\n<p><div class=\"qs-card\" data-id=\"5048309\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">TD FlexPay Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/cardart-tdflexpaycreditcard.png\" width=\"150\" alt=\"TD FlexPay Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"5048309\" href=\"\/blog\/link\/CR-TDFlexPayCreditCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong> Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">TD FlexPay Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong> Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><div class=\"qs-tab-wwl\">The TD FlexPay Credit Card offers flexibility with no annual fee, a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness., and automatic late fee forgiveness for the first missed payment each year. Additional benefits include Visa cell phone protection when you pay your bill with the card and standard Visa Zero Liability for unauthorized charges. This card is ideal for managing balances with added peace of mind on occasional late payments.<\/div><div class=\"qs-tab-hl\"><ul><li>Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.<\/li><li>No annual fee<\/li><li>Get built-in flexibility with the TD FlexPay Credit Card<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/TDFlexPay\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-307b22a62b#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#TD_FlexPay_Credit_Card_Pros\">TD FlexPay Credit Card Pros<\/a><\/li><li><a href=\"#TD_FlexPay_Credit_Card_Cons\">TD FlexPay Credit Card Cons<\/a><\/li><li><a href=\"#TD_FlexPay_Credit_Card_Welcome_Offer\">TD FlexPay Credit Card Welcome Offer<\/a><\/li><li><a href=\"#TD_FlexPay_Credit_Card_Benefits\">TD FlexPay Credit Card Benefits<\/a><ul><li><a href=\"#0_introductory_APR_on_balance_transfers\">0% introductory APR* on balance transfers<\/a><\/li><li><a href=\"#Visa_Platinum_benefits\">Visa Platinum benefits<\/a><\/li><li><a href=\"#Late_fee_forgiveness\">Late fee forgiveness<\/a><\/li><\/ul><\/li><li><a href=\"#TD_FlexPay_Credit_Card_Earning_Rates\">TD FlexPay Credit Card Earning Rates<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_TD_FlexPay_Credit_Card\">Cards That Compete With the TD FlexPay Credit Card<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"TD_FlexPay_Credit_Card_Pros\">TD FlexPay Credit Card Pros<\/span><\/h2>\n<ul>\n<li>0% introductory APR* on balance transfers.<\/li>\n<li>Get Visa Signature benefits, such as cell phone protection.<\/li>\n<li>$0 annual fee.<\/li>\n<\/ul>\n<h2><span id=\"TD_FlexPay_Credit_Card_Cons\">TD FlexPay Credit Card Cons<\/span><\/h2>\n<ul>\n<li>Applications are restricted to residents in select U.S. states.<\/li>\n<li>Does not earn rewards.<\/li>\n<li>Charges foreign transaction \u2014 3% of each transaction in U.S. dollars.<\/li>\n<\/ul>\n<h2><span id=\"TD_FlexPay_Credit_Card_Welcome_Offer\">TD FlexPay Credit Card Welcome Offer<\/span><\/h2>\n<p>The <a data-ccid=\"5048309\" href=\"\/blog\/link\/CR-TDFlexPayCreditCard\" rel=\"noopener nofollow sponsored\">TD FlexPay Credit Card<\/a> doesn't offer rewards as a welcome offer. Instead, the &#8220;welcome offer&#8221; is 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.<\/p>\n<figure id=\"attachment_180813\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-180813 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen.jpeg\" alt=\"A young man holds a credit card in his left hand while smiling and looking at a laptop screen.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Featured_Man-holding-a-credit-card-in-front-of-a-laptop-screen-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: dianagrystku\/Adobe Stock<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">This Month\u2019s Top Credit Card Offers<\/a><\/strong><\/p>\n<h2><span id=\"TD_FlexPay_Credit_Card_Benefits\">TD FlexPay Credit Card Benefits<\/span><\/h2>\n<p>Cardholders of the <a data-ccid=\"5048309\" href=\"\/blog\/link\/CR-TDFlexPayCreditCard\" rel=\"noopener nofollow sponsored\">TD FlexPay Credit Card<\/a> can enjoy three primary benefits \u2014 plus several sub-benefits. Here's an overview.<\/p>\n<h3><span id=\"0_introductory_APR_on_balance_transfers\">0% introductory APR* on balance transfers<\/span><\/h3>\n<p>The TD FlexPay Credit Card offers 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness., although you will need to pay a balance transfer fee: Either\u00a0$5\u00a0or\u00a03%\u00a0of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that, either\u00a0$5\u00a0or\u00a05%\u00a0of the amount of each transfer, whichever is greater.<\/p>\n<p>Compared to other <a target=\"_blank\" href=\"\/credit-cards\/best-balance-transfer-cards\/\" rel=\"noopener\">cards offering 0% introductory APR balance transfers<\/a>, the TD FlexPay Credit Card is above average because of how long you can take advantage of this promotional rate.<\/p>\n<figure id=\"attachment_178302\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-178302 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash.png\" alt=\"Woman holding a credit card in one hand and a mobile phone in the other hand.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Vitaly Gariev\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"Visa_Platinum_benefits\">Visa Platinum benefits<\/span><\/h3>\n<p>The TD FlexPay Credit Card is a Visa Platinum card, which carries benefits because of this designation. Here's the list of benefits associated with Visa Platinum cards:<\/p>\n<ul>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/best-credit-cards-with-cell-phone-protection\/\" rel=\"noopener\">Cell phone protection<\/a>:<\/strong> Get reimbursement for your stolen or damaged cell phone when you pay your phone bill with your card. Limitations are $500 per claim and up to two claims per 12-month period, with a $50 deductible per claim.<\/li>\n<li><strong>Roadside dispatch:<\/strong> Get 24\/7 roadside service courtesy of your card, but note that you'll pay for any services rendered.<\/li>\n<li><strong>Entertainment access:<\/strong> Get access to 7-Day Visa Exclusive presale opportunities for Sofar Sounds shows and a free ticket to each show with one ticket purchased during the presale period.<\/li>\n<li><strong>Complimentary three-month Shipt membership:<\/strong> The TD FlexPay Credit Card does offer 3 months free of Shipt membership, then 9 months at 50% off. The service offers free delivery when orders total $35 or more.<\/li>\n<\/ul>\n<h3><span id=\"Late_fee_forgiveness\">Late fee forgiveness<\/span><\/h3>\n<p>Sometimes, you might forget to pay your credit card bill. It happens. Thankfully, a key benefit of the TD FlexPay Credit Card is one waived late fee each calendar year!<\/p>\n<p>While I wouldn't recommend this becoming a habit, it is a nice benefit for those unforeseen circumstances that cause you to forget to pay your bill. Keep in mind, past due payments may impact your credit score.<\/p>\n<h2><span id=\"TD_FlexPay_Credit_Card_Earning_Rates\">TD FlexPay Credit Card Earning Rates<\/span><\/h2>\n<p>The TD FlexPay Credit Card&#8216;s earning rates are, well, non-existent. You won't earn any rewards on purchases or balance transfers.\u00a0This makes this card a better tool to escape a higher interest rate on a card you're balance transferring from, rather than your <a target=\"_blank\" href=\"\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">everyday spending card<\/a>.<\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>The most significant restriction on the TD FlexPay Credit Card is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n<ul>\n<li>Connecticut<\/li>\n<li>Delaware<\/li>\n<li>Florida<\/li>\n<li>Maine<\/li>\n<li>Maryland<\/li>\n<li>Massachusetts<\/li>\n<li>New Hampshire<\/li>\n<li>New Jersey<\/li>\n<li>New York<\/li>\n<li>North Carolina<\/li>\n<li>Pennsylvania<\/li>\n<li>Rhode Island<\/li>\n<li>South Carolina<\/li>\n<li>Vermont<\/li>\n<li>Virginia<\/li>\n<li>Washington, D.C.<\/li>\n<\/ul>\n<p>Outside of geography, TD Bank has few of the onerous <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. That said, you should remember that frequent card applications can negatively impact your <a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">credit score<\/a>.<\/p>\n<figure id=\"attachment_185264\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-185264 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD-Bank-Featured-Hugo-Breyer-Unsplash.png\" alt=\"Exterior of TD Bank at night.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD-Bank-Featured-Hugo-Breyer-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD-Bank-Featured-Hugo-Breyer-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD-Bank-Featured-Hugo-Breyer-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD-Bank-Featured-Hugo-Breyer-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Hugo Breyer\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Cards_That_Compete_With_the_TD_FlexPay_Credit_Card\">Cards That Compete With the TD FlexPay Credit Card<\/span><\/h2>\n<p>There are several competitors in the balance transfer space. So, if the TD FlexPay Credit Card isn't right for you, there are plenty of other worthy options to consider.<\/p>\n<ul>\n<li><strong>If you're ineligible for the TD FlexPay Credit Card because of geographic restrictions,<\/strong> consider the <a data-ccid=\"4048251\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/wells-fargo-active-cash\/\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a valauble welcome offer \u2014 all with a $0 annual fee. For more information, check out our <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/wells-fargo-active-cash\/\" rel=\"noopener\">full Active Cash Card review<\/a>.<\/li>\n<li><strong>If you prefer a cash-back card with bonus spending categories,<\/strong> look into the <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a>. The Freedom Unlimited offers 5% on travel purchased through Chase Travel\u2120, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases. And it has no annual fee. <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\" rel=\"noopener\">Learn more about the Freedom Unlimited in our comprehensive review<\/a>.<\/li>\n<li><strong>If you want a longer introductory balance transfer period,\u00a0<\/strong>consider the <a data-ccid=\"340046\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-diamond-preferred\/\">Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card<\/a>, which also does not reward those who spend on the card, but offers 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 17.24% - 27.99%, based on your creditworthiness.. <a target=\"_blank\" href=\"\/credit-cards\/citi-diamond-preferred\/\" rel=\"noopener\">Our Citi Diamond review<\/a> has all the details.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-citi\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_52.png\" width=\"150\" alt=\"Wells Fargo Active Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Active Cash\u00ae Card' data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0f825ad7966969c8da116c19320adf2e8&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937009.png\" width=\"150\" alt=\"Citi\u00ae Diamond Preferred\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Special Offer<\/strong> 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"340046\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-diamond-preferred\/\">Learn More<\/a>\r\n<\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><\/div><\/div><\/div>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"5048309\" href=\"\/blog\/link\/CR-TDFlexPayCreditCard\" rel=\"noopener nofollow sponsored\">TD FlexPay Card<\/a> is worth a look, but only if you live in a state in which the card is open to new applicants and you carry a balance on another credit card. Cell phone protection is a nice perk of holding the card, and the reduced balance transfer fee compared to other competing products helps keep costs down.<\/p>\n<p>That said, several other cards offer higher sign-up bonuses, rewards for spending, and more robust benefits, all with similar introductory APR periods. Thus, this card likely won't be your first choice (or the one that appears at the top of the list when you search &#8220;<a target=\"_blank\" href=\"\/credit-cards\/best-balance-transfer-cards\/\" rel=\"noopener\">Best Balance Transfer Cards<\/a>&#8220;), but it still deserves a look when making financial decisions for your family.<\/p>\n<p><div class=\"qs-card\" data-id=\"5048309\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">TD FlexPay Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/cardart-tdflexpaycreditcard.png\" width=\"150\" alt=\"TD FlexPay Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"5048309\" href=\"\/blog\/link\/CR-TDFlexPayCreditCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong> Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">TD FlexPay Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong> Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><div class=\"qs-tab-wwl\">The TD FlexPay Credit Card offers flexibility with no annual fee, a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness., and automatic late fee forgiveness for the first missed payment each year. Additional benefits include Visa cell phone protection when you pay your bill with the card and standard Visa Zero Liability for unauthorized charges. This card is ideal for managing balances with added peace of mind on occasional late payments.<\/div><div class=\"qs-tab-hl\"><ul><li>Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness.<\/li><li>No annual fee<\/li><li>Get built-in flexibility with the TD FlexPay Credit Card<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/TDFlexPay\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-307b22a62b#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Looking to reduce your credit card interest? The TD FlexPay Credit Card offers a compelling reason to transfer a balance to, thanks to its low fee structure and generous introductory APR period for those transfers.<\/p>\n","protected":false},"author":97,"featured_media":156016,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184840","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184840","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184840"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184840\/revisions"}],"predecessor-version":[{"id":256626,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184840\/revisions\/256626"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/156016"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184840"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184840"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184840"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}