TD FlexPay Credit Card Review

With unusual extra features, this great balance transfer credit card will give you some peace of mind. Discover the TD FlexPay Credit Card.

We know that sometimes things are not like we planned and we see ourselves tangled up in debt. But, there’s always a light at the end of the tunnel and when we think about credit card debt, TD FlexPay Credit Card came to rescue our financial lives.

While most of the credit cards offer short 0% intro promotion periods, TD FlexPay Credit Card offers more than just a great APR offer. As one of the best balance transfer cards, it also has a low intro transfer fee, as well as some a lot of perks and benefits that could add a lot to your wallet.

CREDIT CARD

TD FlexPay

0% Intro APR Skip a Payment

Get built-in flexibility with the TD FlexPay Credit Card

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TD FlexPay Credit Card benefits

• Introductory APR promotion: The TD FlexPay Credit Card has a 0% introductory APR offer that applies to balances transferred from other credit cards. For the first 18 billing cycles after opening your account, you don’t have to worry about your debt increasing. But the heart of this card is not only its intro offer, but also to give you more time to transfer balances. Other cards give you only 30 to 45 days to get the intro rate, but with TD FlexPay Credit Card you can do it any time during the intro period. 
• Skip payment: It seems like a fairy tale, but this credit card will allow you to schedule ahead a time to skip the minimum payment. In other words: no payment in that month’s billing cycle and no late fee or penalty. You can do it once every 12 billing cycles as long as you request it in advance and your account is in good standing. Plus, your account must be at least 6 months old and interest will accrue on your balance unless it qualifies for a promotional 0% APR. And don’t worry about the credit bureaus, TD Bank will not report your skipped payment as missing or late to them. 
• No annual fee: You must be wondering how much you’ll need to pay to have all these perks and benefits, right? Well, this credit card’s main point is all about making it easier to deal with your debts. So it makes sense that it is a $0-annual-fee card. That way, you can save hundreds of dollars just to keep your credit card account open.
• Promotional balance transfer rate: All cards charge a balance transfer fee, which usually is 3% to 5%. But, like we said before, TD FlexPay Credit Card came to help you. That’s why you will get a lower 3% (minimum $5) balance transfer during the intro period. This low rate will not only save you quite a bit of money if you’re transferring a large amount, but also allows you to transfer a bit more than usual, since the transfer fee also takes the transfer limit.
• Roadside dispatch: This is a pay-per-use roadside assistance program. This program gives you security and convenience wherever your travels take you. They will ask you where you are, what the problem is and arrange a dispatch to a tow operator or locksmith to help you while they remain on the phone with you. This is a 24/7 service for all TD FlexPay Credit Card cardholders.
• Same-day Shipt delivery: What do you think about same-day delivery from the stores you love? Well, the TD Double Up Credit Card gives you three months of free Shipt membership, then nine more months of membership at 50% off.
• Late fee forgiveness waives first late payment fee: Probably you have never heard of late fee forgiveness before. Actually, this is not a common perk, but definitely is one of the best. TD Bank understands that things happen, so cardholders will be refunded the late payment fee up to $40 once a year on the first late payment. This is really nice if the due date just slips your mind every time.
• Visa Platinum benefits: Cardholders will have access to all Visa benefits that are helpful nonetheless, such as cell phone protection, fraud liability coverage, emergency card replacement,ID Navigator Powered by Norton Lifelock, identity theft protection and more.

Who can apply?

This credit card is only available to cardholders living in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia and Washington, D.C. So, you must be 18 years or older, live in one of 15 states (or D.C.) and your credit score must be at least 750 to apply.

How to apply?

Applying for a TD FlexPay Credit Cardis easier than you think:

1. Go to the TD Bank website and look for TD FlexPay Credit Card
2. Click on Apply Now
3. Read Terms and Conditions
4. Fill your personal and financial details
5. Submit your application

Frequently asked questions

Does TD Bank have a good mobile app?

Yes, TD Bank’s mobile app has 4.2 and 4.8 stars in the Google Play Store and App Store, respectively. Its interface is clean, easy to navigate and you can do most of your transactions.

How do I TD Bank Customer Service for assistance?

You can contact their customer service by calling from within the U.S. at 1-888-751-9000 or outside the U.S. at 1-888-751-9000 or 1-800-819-1243, if you are in Canada.

How can I increase my credit limit?

You can request a credit limit increase online, by phone (1-800-983-2582) or at your TD Bank branch.

What is the TD Bank routing number?

Your TD Bank routing number is based on where you opened your account. You can check it TD Bank website.

CREDIT CARD

TD FlexPay

0% Intro APR Skip a Payment

Get built-in flexibility with the TD FlexPay Credit Card

APPLY NOW You will be redirected