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Rates and fees for TD FlexPay Credit Card

Rates and fees

What you pay

Annual Percentage Rate (APR) for Purchases

19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness.

APR for Balance Transfers

0% introductory APR on balance transfers for the first 18 billing cycles after account opening. After that, 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your credit worthiness.*

Balance Transfer Fee

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.

Minimum Interest Charge

$1

APR for Cash Advances

30.49% variable APR

Cash Advance Fee

$10 or 5% of advance whichever amount is greater

Annual Fee

None

Foreign Transaction Fee

3% of each transaction in U.S. dollars

Late Payment

Up to $40

Return Payment

Up to $40

Need more information?
Take a look at our terms and conditions or the Personal Credit Card Agreement for TD FlexPay Credit Card,

Services with your TD Credit Card

Apply for a TD FlexPay Credit Card

More Options

Already have a TD Credit Card?

View the Personal Credit Card Agreement for TD FlexPay Credit Card.
View the TD FlexPay Credit Card Application for Cross-Border Clients.

*Read important terms and conditions for details about your account including APRs, fees, and balance transfers. Balance transfer 0% introductory APR for first 18 billing cycles after account opening. After that, 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness. Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

‡Late fee forgiveness does not change your monthly payment requirement. Past due payments will be reported to credit bureaus subject to applicable law and standard practices. This may affect your credit score. For more information, see Terms and Conditions.

1To learn more about TD Visa Credit Card Benefits please visit https://www.td.com/us/en/personal-banking/credit-cards/benefits-features. 

2To learn more about Visa Zero Liability please visit https://usa.visa.com/support/consumer/security.html. By clicking on this link you are leaving our website and entering a third-party website over which we have no control. Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites. Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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