5 TD FlexPay Credit Card Benefits You Didn’t Know About

• Written by Joseph Hostetler
  

  Joseph Hostetler

  Credit cards, travel rewards

  Joseph Hostetler is a credit card rewards expert who has covered travel and loyalty programs professionally since 2016. He has authored and edited for prominent travel rewards sites such as Million Mile Secrets, The Points Guy, and point.me. He has also written for dozens of national publications, including Business Insider, Newsweek, CNN, TIME and AP News, and more.

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• Edited by Emily Gadd
  

  Emily Gadd

  Credit Cards, Personal Finance, Health & Wellness

  Emily Gadd is an SEO editor, responsible for writing about personal finance and credit cards. She got her start writing and editing at Healthline. She is passionate about creating educational content that makes complex topics accessible. Emily lives in Seattle with her husband and two cats.

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• Reviewed by Jasmin Baron
  

  Jasmin Baron

  Credit Cards, Travel Rewards, Loyalty Programs, Family Travel, Credit Building, Credit Scores

  Jasmin Baron is CardCritics’ senior SEO editor, responsible for editing and writing credit cards, travel rewards, loyalty program, and other credit-related content. She is passionate about personal finance education and enjoys sharing tips and tricks for making the most credit card points and miles with her readers. Her expertise in maximizing credit card travel rewards originated from over two decades of aviation industry experience, including 18 years working as a pilot and college professor/flight instructor in her native Canada. Her work has appeared on sites such as CNN Underscored Money, Business Insider, The Points Guy, and point.me. When she’s not planning her next trip with credit card rewards, you’ll probably find her tinkering around in the kitchen, hanging out with her three kids, or playing with her dog, Benji.

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• Last Updated Sep 5, 2025

You may know the TD FlexPay Credit Card as one of the best balance transfer credit cards on the market. It currently offers a 0% introductory APR on balance transfers for the first 18 billing cycles after account opening, then a 18.24%, 20.24%, 23.24%, 26.24% or 28.24% variable APR based on your creditworthiness.

Beyond that, TD FlexPay Credit Card benefits may seem sparse. You won’t get purchase protection or waived foreign transaction fees, and you won’t even earn points or cash back for everyday purchases.

But there are a handful of helpful benefits you may be overlooking. Let’s take a quick look at the best TD FlexPay Credit Card perks you might not know about.

1. Cell Phone Protection

Use the TD FlexPay Credit Card to pay your monthly wireless bill, and you’ll receive automatic supplemental cell phone protection. That means your card will cover the cost of damage or theft that your primary insurance (such as your personal insurance policy) will not.

You’ll receive up to $500 in coverage per claim, capped at $1,000 in reimbursements per 12-month period. You’ll only pay a $50 deductible. This is a somewhat rare benefit among no-annual-fee credit cards.

Before credit card cell phone protection, I paid out-of-pocket to insure my smartphone. Simply using the right card for my wireless bill saves me over $10 per month.

2. Late Fee Forgiveness

You should do everything in your power to avoid late credit card payments. On-time payments make up 35% of your FICO credit score, after all.

But if life gets in the way and you find yourself making a late payment on your TD FlexPay Credit Card, the card will waive one late payment fee per 12 billing cycles. That’s up to $40 in savings.

Again, this benefit isn’t something you should look forward to leveraging each year. To avoid late fees, it’s wise to put your credit card account on autopay for at least the minimum payment. That way, you’ll keep your account current even if you forget to pay.

3. Discounted Subscription to Shipt

Shipt is a service that specializes in same-day home delivery from over 140 retail partners around the country. Popular stores include Meijer, CVS, Ulta and Lowe’s. Shipt even gives you the option to choose “preferred shoppers” who know your persnickety shopping habits.

Membership costs $10.99 per month or $99 per year. The TD FlexPay Credit Card gives you three free months — then nine months at 50% off.

4. Access to Sofar Sounds

Sofar Sounds is great for concert-goers. It organizes small gigs, including music, comedy, spoken word and dance — often held in a living room or shop.

The TD FlexPay Credit Card gives you presale access to these shows, as well as one free admission when you buy at least one ticket. Uniquely, you won’t know exactly where the show will be held until 24 hours before. You can only search performances by city.

5. Roadside Dispatch

Roadside dispatch is a pay-per-use program that offers services you’ll typically find with AAA. With the TD FlexPay Credit Card, you’ll receive access to a 24/7 hotline to request winching, towing (up to five miles included), jumpstart, lockout service and more.

Just remember, (nearly) any service you formally request will cost you. Visa’s standard roadside dispatch service call fee is $79.95.

I’ve had to tow one of my cars a whopping three times in the past year. I eventually sprung for a proper AAA membership, but it was great to receive a discount on towing from my credit card’s roadside dispatch service.