TD FlexPay Credit Card — TD Bank is a personal credit card from TD Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 17.49%, 20.49%, 22.49%, 25.49% or 27.49% variable, based on creditworthiness after a 0% intro APR on balance transfers for 18 billing cycles (transfers within 90 days of account opening) 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. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. 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.