Managing credit can be tough—especially when life throws unexpected challenges your way. The TD FlexPay Credit Card offers a practical and flexible solution for individuals who need a little breathing room without sacrificing control.
This card blends convenience with financial planning tools that support your long-term goals. With unique payment flexibility and interest-saving opportunities, it’s more than just a credit card—it’s a backup plan you can trust.
TD FlexPay Credit Card – Benefits That Work for You
- One Skip-A-Payment Per Year: Every 12 months, you can choose to skip one minimum payment without it counting as a late payment. This feature is perfect for emergencies or tight months and provides true flexibility with no extra fees.
- 0% Intro APR for First 18 Billing Cycles: Enjoy 0% introductory APR for 18 billing cycles on purchases and balance transfers made in the first 60 days. After that, a competitive variable APR applies. It’s a great option for larger purchases or consolidating debt.
- Low Ongoing APR After Intro Period: Once the intro period ends, a low variable APR applies—one of the most competitive rates in the market for a card in this category. Great for those who carry a balance responsibly.
- No Penalty APR for Late Payments: If you miss a payment, your APR won’t increase—giving you peace of mind and avoiding the punishing rates that many other cards impose for a single misstep.
- Customizable Alerts and Controls: Use TD’s digital tools to set account alerts, control spending, and track due dates with ease. It’s simple to stay on top of your finances with just a few taps.
- Free Access to Credit Score: Monitor your credit score for free through TD Bank’s dashboard. Get insights into what’s helping or hurting your score and track improvements over time.
- Wide Acceptance and Security from Visa: Make purchases anywhere Visa is accepted, with added security features like zero fraud liability and transaction monitoring to keep you protected.
- Balance Transfer Convenience: Easily transfer existing balances from higher-interest cards and save on interest during the introductory period. Perfect for streamlining your finances.
- $0 Liability Protection on Unauthorized Purchases: Shop with confidence knowing you won’t be held responsible for unauthorized transactions if your card is lost or stolen.
Qualification Requirements
- U.S. Resident with Valid Address: Applicants must have a current U.S. residential address and meet citizenship or legal residency requirements.
- Must Be Age 18 or Older: You need to be at least 18 years old (or 19 in some states) to apply for the TD FlexPay Credit Card.
- Valid Social Security Number: A Social Security number is required to verify your identity and assess your eligibility during the application process.
- Stable Source of Income: You should have a consistent income source to demonstrate your ability to manage monthly payments.
- Good to Excellent Credit Score Preferred: While not explicitly required, applicants with stronger credit histories are more likely to qualify for the best rates.
- No Recent Major Delinquencies: Applications with recent bankruptcies or charge-offs may not be approved, as the issuer evaluates credit behavior.
How to Apply for the TD FlexPay Credit Card
- Visit the Official TD Website: Head to TD.com and navigate to the FlexPay Credit Card page to begin your application securely online.
- Click “Apply Now” and Fill Out the Form: Enter your name, address, date of birth, income, and Social Security number to begin the approval process.
- Review Terms and Conditions: Carefully read the terms, including APR, promotional offers, and key features, before submitting your application.
- Submit and Wait for Instant Decision: Most applicants receive a decision within minutes, though additional information may be requested in some cases.
- If Approved, Receive Card Details: You’ll be notified of your credit limit and can begin using your card once it’s activated and ready for use.
- Set Up Online Access and Notifications: Enroll in TD’s online banking to manage your account, view balances, set alerts, and make payments digitally.
Frequently Asked Questions
Can I skip a payment whenever I want?
You’re eligible to skip one minimum payment every 12 billing cycles, starting after the first 6 cycles. TD will notify you when you’re eligible.
Does the intro APR apply to both purchases and balance transfers?
Yes, the 0% intro APR applies to both purchases and qualifying balance transfers made in the first 60 days.
Will skipping a payment hurt my credit score?
No. As long as you follow the card’s terms, skipping one eligible payment will not count as a late payment or harm your credit.
Can I manage this card online?
Yes. You can track your spending, pay bills, and set alerts using TD’s secure online banking or mobile app.
