TD FlexPay Credit Card
No annual fee. Purchase APR 17.49–27.49%, variable.
- Annual fee
- Issuer's pagetd.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagetd.com
“After that, 17.49% - 27.49% variable APR based on your creditworthiness”
- Foreign transaction fee
- Issuer's pagetd.com
“3% of each transaction in U.S. dollars”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 50% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagetd.com “After that, 17.49% - 27.49% variable APR based on your creditworthiness” |
| Balance transfer APR | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagetd.com “Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening.” |
| Cash advance APR | Issuer's pagetd.com “28.74% variable APR” |
| Cash advance fee | Issuer's pagetd.com “$10 or 5% of advance whichever amount is greater” |
| Late payment | Issuer's pagetd.com “Up to $40” |
| Foreign transactions | Issuer's pagetd.com “3% of each transaction in U.S. dollars” |
| Minimum interest charge | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Emergency card replacement
- Roadside assistance
- Visa Zero Liability protection against unauthorized charges
- Digital wallet support
- Contactless payments
Questions
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).