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TD Cash Secured Credit Card card

TD Cash Secured Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

    Annual fee
    $29
    Recommended credit
    Poor / No Credit Required
    Card network
    Visa
    Regular purchase APR
    27.99% variable based on the Prime Rate
    Apply Now for TD Cash Secured Credit Card (opens in a new tab)Compare this card
    Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

    At a glance

    If you don’t have an impressive credit score, the TD Cash Secured Credit Card can help you get back on track while you earn 3% cash back on dining, 2% at grocery stores, and 1% on other eligible purchases wherever life takes you.

    Our review of the TD Cash Secured Credit Card

    If you’ve had financial setbacks in the past that have affected your credit score, qualifying for a rewards-rich credit card can be a challenge. Luckily, TD Bank offers a solution with the TD Cash Secured Credit Card.

    The TD Cash Secured Credit Card stands out as a secured credit card that allows you to earn cash back rewards on all purchases. With a 1% cash back rate, this card competes with unsecured cards for bad credit, such as the Credit One Platinum Visa, but with a lower annual fee.

    Having the opportunity to earn cash back rewards and a reasonable annual fee make the TD Cash Secured Credit Card an attractive option compared to other secured cards in the market.

    TD Bank Account Required

    To get the TD Cash Secured Credit Card, you’ll need a bank account with TD Bank to fund the initial deposit. The application process is simple, and once approved, you’ll need to visit a local TD Bank branch to open a savings account and fund your deposit.

    The minimum deposit required is $300, with a maximum deposit of $5,000 tied to the savings account.

    Chance at an Unsecured TD Bank Card in Just Seven Months

    In addition to cash back rewards, the TD Cash Secured Credit Card offers other benefits like purchase protection and zero foreign transaction fees. By demonstrating responsible financial behavior for seven consecutive billing cycles, TD Bank may upgrade your card to an unsecured credit card and return your deposit.

    Should You Apply for the TD Cash Secured Credit Card?

    Not many secured cards offer rewards, making the TD Cash Secured Credit Card a valuable option. With cash back on dining and groceries, this card is perfect for everyday use while helping you rebuild your credit through on-time payments.

    Using the TD Cash Secured Credit Card responsibly can lead to a faster credit repair process and the potential to upgrade to an unsecured TD Bank credit card like the TD First Class Visa Signature in just seven months.

    For more information on secured cards and building credit, visit our Comprehensive Secured Card Reference Page for the best offers, advice, and tips to help you improve your credit history.

    Card features

    Benefits as listed on the original card page. They can change; confirm details with the issuer.

    • Build or repair your credit and earn cash back on everyday purchases
    • Chance at an unsecured card in as little as 7 months
    • Earn 1% Cash Back on all eligible purchases

    Who this card may suit

    • You have poor credit and want to rebuild your credit score
    • You wish to earn 3% on dining, 2% at supermarkets, and 1% on other qualifying purchases you make
    • You eventually want to qualify for an unsecured credit card with an array of benefits and features

    Rates, fees and terms

    Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
    Annual Fee$29
    Regular Purchase APR27.99% variable based on the Prime Rate
    Balance Transfer APR27.99% variable based on the Prime Rate
    Balance Transfer Transaction FeeEither $5 or 3% of the amount of each transfer, whichever is greater
    Cash Advance APR30.24% variable based on the Prime Rate
    Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
    Foreign Transaction Fee3% of each transaction in U.S. dollars
    Late Payment Penalty FeeUp to $40
    Return Payment Penalty FeeUp to $40
    Minimum Deposit Required$300

    Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.

    Apply Now for TD Cash Secured Credit Card (opens in a new tab)View issuer terms for TD Cash Secured Credit Card (opens in a new tab)

    TD Cash Secured Credit Card

    Apply Now for TD Cash Secured Credit Card (opens in a new tab)

    You will leave this site for the issuer’s page. Confirm current terms there.

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