TD FlexPay
How we calculate effective rate →
The TD FlexPay from TD Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the TD FlexPay earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how TD FlexPay compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how TD FlexPay compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the TD FlexPay?
The TD FlexPay fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
TD FlexPay fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the TD FlexPay have an annual fee?
The TD FlexPay has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the TD FlexPay?
The TD FlexPay includes Booking.com, Cell phone protection, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Global Entry Statement Credit
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OpenTable
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Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Cell phone protection
$25/yrGet reimbursement for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card
Emergency card replacement
$25/yrIf your card is lost or stolen, you can get an emergency replacement card sent immediately
Your partner against identity theft
$25/yrYour TD Bank Visa Credit Card includes ID Navigator Powered by Norton LifeLock, providing tools so you can act quickly if your identity is threatened
Roadside Dispatch®
$10/yrAccess 24/7 roadside service with this pay-per-use program
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Roadside Dispatch®
$10/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Related encyclopedia topics
- Visa
- Shopping and dining network perks
- Cell phone protection
- Credit score monitoring
- Emergency card replacement
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
Common questions about the TD FlexPay
Does the TD FlexPay have an annual fee?
The TD FlexPay carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the TD FlexPay?
Dining is the strongest Madeen category for the TD FlexPay at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the TD FlexPay charge foreign transaction fees?
The TD FlexPay charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the TD FlexPay?
Madeen's catalog lists a typical credit range of Good for the TD FlexPay. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the TD FlexPay?
Rewards on the TD FlexPay post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the TD FlexPay?
To maximize the TD FlexPay, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the TD FlexPay compare to similar cards?
Compare the TD FlexPay against TD Cash (3% on Dining, $0 fee); TD First Class℠ Visa Signature (3% on Dining, $89 fee); Target Circle™️ Credit Card (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
TD FlexPay This card | Dining | 0% | $0 |
TD Bank | Dining | 3% | $0 |
| Dining | 3% | $89 | |
TD Bank | Dining | 2% | $0 |
TD Bank | Dining | 2% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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