Forget gimmicks and flashy rewards—this card is built for real life. With features that prioritize flexibility and understanding, TD FlexPay lets you skip a payment without penalty, pause interest on balances, and breathe a little easier when life gets overwhelming. It’s not just smart—it’s compassionate.
11 Ways TD FlexPay Makes Life Easier
Skip a Payment—No Catch
The standout feature: once every 12 billing cycles, you can skip your minimum payment—no late fee, no credit damage. Whether rent’s due or unexpected costs arise, FlexPay gives you breathing room when you need it most.
Intro APR on Transfers & Purchases
Get 0% intro APR for 18 months on new purchases and balance transfers. Whether you’re consolidating debt or managing big expenses, this grace period means more money goes toward your goals—not interest.
No Annual Fee Ever
Forget annual charges—you’ll never pay a yearly fee for keeping this card. It stays in your wallet as a free financial tool, not a burden.
No Penalty Rate Hikes
Even if you miss a payment outside your skip, your interest rate won’t increase as punishment. That’s a rare benefit that offers stability when life gets bumpy.
Zero Liability Protection
Lost card? Fraudulent charge? You’re covered. TD guarantees you won’t be held responsible for unauthorized use, so you can shop confidently online or in-store.
Tap & Go + Wallet Integration
FlexPay works with Apple Pay, Google Pay, and Samsung Pay, plus has contactless tap-to-pay for fast, secure checkouts wherever you go.
Real-Time Fraud Monitoring & Card Lock
Get instant alerts if suspicious activity is detected. And if your card is misplaced or stolen, lock it instantly with the TD mobile app.
Online & App-Based Account Control
From checking statements to scheduling payments, TD’s digital banking platform gives you full visibility and control—anytime, anywhere.
Tailored Merchant Offers
While FlexPay isn’t a rewards card, you may receive personalized deals through the TD MyTD Offers program, based on your shopping habits.
Adjust Your Due Date
Need a different billing cycle? You can customize your due date to match your income schedule—perfect for gig workers, freelancers, or anyone needing more control.
Great for Rebuilding Credit
Whether you’re new to credit or rebuilding after past missteps, FlexPay helps boost your score with lenient policies and full bureau reporting.
Eligibility Requirements
To apply, you’ll need to:
- Be 18 or older
- Be a U.S. citizen or permanent resident
- Have a valid SSN
- Hold a fair to good credit score (usually 640+)
- Show verifiable income
How to Apply
- Visit the official TD FlexPay page
- Click “Apply Now”
- Enter your personal, income, and employment details
- Review the terms and disclosures
Submit your application (most get a decision within minutes)
