The TD FlexPay is a personal credit card from TD FlexPay. The annual fee is $0.. The ongoing APR is 17.49%, 19.49%, 22.49%, 25.49% or 27.49% after a 0% introductory rate for 18 months. Approval typically requires a credit score of Fair Credit OK or higher. Rewards: None — focused on financing flexibility.. This product reports activity to your personal credit report. Ideal for long-term balance transfers with an extended interest-free period and added fee protection. TD Double Up Credit Card. BT Fee: 3% or $5 minimum for transfers within the intro period; increases to 5% thereafter.. Post-intro APR: Variable 18.24%–28.24%, depending on creditworthiness.