Card comparisonSide by side
Discover it® Secured Credit Card vs TD Cash Secured Credit Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Discover | TD Bank |
Card Network | ||
Card Type Data: 2/2 cards | secured | secured |
Card Tier Data: 2/2 cards | Entry Level | Entry Level |
Credit Score | Poor(300-649) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $29 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | 28.24% | 26.49% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn $0 | — |
Bonus Value | — | — |
Reward Rate Data: 2/2 cards | 2% back on gas stations | 3% back on choice 3% spend category |
Reward Program Data: 2/2 cards | Discover Cashback Bonus | TD Cash Secured Credit Card Cash Back |
| Earning Rates | ||
| All Other Purchases | 1% backUnlimited 1% cash back on all other purchases. | — |
| Choice 2% Spend Category | — | 2% backEvery quarter, choose your 2% Spend Category. At account opening, this defaults to Grocery Stores; within 30 days of account opening there is a one-time opportunity to change the initially assigned category for the first calendar quarter following account opening. |
| Choice 3% Spend Category | — | 3% backEvery quarter, choose your 3% Spend Category. At account opening, this defaults to Dining; within 30 days of account opening there is a one-time opportunity to change the initially assigned category for the first calendar quarter following account opening. |
| Gas Stations | 2% backOn up to $1,000 in combined gas station and restaurant purchases each quarter; then 1% cash back. | — |
| Other purchases | — | 1% backEarn 1% Cash Back on other purchases. Eligible purchases do not include purchases of cash equivalents, money orders, gift cards, or reloading gift cards. Groceries purchased from superstores and/or warehouse clubs may only earn 1% Cash Back. |
| Restaurants | 2% backOn up to $1,000 in combined gas station and restaurant purchases each quarter; then 1% cash back. | — |
| all | 1% backEarn 1% cash back on all purchases | — |
| Benefits | ||
Key Benefits |
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