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Rates and fees for TD FlexPay Credit Card

Rates and fees

What you pay

Annual Percentage Rate (APR) for Purchases

17.99%, 19.99%, 22.99%, 25.99% or 27.99% 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, 17.99%, 19.99%, 22.99%, 25.99% or 27.99% variable APR based on your creditworthiness.*

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

29.24% 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,

View the Personal Credit Card Agreement for TD FlexPay Credit Card.

*Read important Credit Card Terms and Conditions for details about rates, fees, balance transfer rules. If you take advantage of a 0% introductory or promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by the payment due date 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.

Visa is a registered trademark of Visa International Service Association and used under license.

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