2026 01 22 OCMS 00254173 CMA TD FlexPay

2026 01 22 OCMS 00254173 CMA TD FlexPay, as filed by TD Bank, carries a purchase APR of 17.49%–27.49%, no annual fee and a 18-month 0% opening period. That purchase rate ranks near the 66th percentile across this corpus of 4,587 filings.

What this filing discloses

What follows is drawn entirely from TD Bank's CFPB filing for 2026 01 22 OCMS 00254173 CMA TD FlexPay. It is issued on the Visa network and the filing runs 11 pages.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

The promotional period

This agreement opens at 0% for 18 months, the only period in the document where carrying a balance is free.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

Behind the promotion sits a 27.49% purchase rate. On $3,000 that is in the region of $949 a year once the window closes.

Put the other way round, the 18-month zero rate is worth roughly $1,423 on a $3,000 balance relative to paying the go-to rate from day one — a real figure, but one that only materialises for someone who was going to carry that balance anyway.

The purchase rate in context

The purchase APR is quoted as a range of 17.49% to 27.49%. That 10-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Those two numbers occupy very different places in the corpus: roughly the 47th percentile at the bottom and the 66th at the top.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $474 in interest.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $106 more per year.

Note the $1 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Charges beyond interest

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 28.74%. The premium over purchases is 1.25 percentage points. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does.

Foreign transactions attract 3%. On $1,500 of overseas spending that is $45, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Default pricing

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

The no-interest path

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What you cannot learn from the filing

Absent from the captured terms: balance transfer terms and penalty pricing. The original document is the place to look for any of these.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Inside TD Bank's filed lineup

TD Bank has 39 agreements indexed on this site. The issuer's own range is 16.74%–29.99%. At 27.49%, this agreement is dearer than 4 of its siblings.

34 of the issuer's other 36 disclosing filings are likewise fee-free.

Go to the source

This summary stands or falls on the linked PDF — 11 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

27.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.