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TD Cash 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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- A dash (—) means that value is not currently available for that card.
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- 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 | TD Bank | TD Bank |
Card Network | ||
Card Type Data: 2/2 cards | cashback | secured |
Card Tier Data: 1/2 cards | — | Entry Level |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $29 |
Foreign Transaction Fee | Yes (3%) | Yes (3%) |
Purchase APR | 18.49% – 28.49% | 26.49% |
Intro APR | 0% for 15 months | — |
| Rewards | ||
Welcome Bonus | Earn $200 | — |
Bonus Value | $200 | — |
Reward Rate Data: 2/2 cards | 3% back on chosen top spend category | 3% back on choice 3% spend category |
Reward Program Data: 2/2 cards | TD Cash Credit Card Rewards | TD Cash Secured Credit Card Cash Back |
| Earning Rates | ||
| All other purchases | 1% backEarn unlimited 1% Cash Back on all other eligible 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. |
| Chosen second Spend Category | 2% backEarn unlimited 2% Cash Back on the second Spend Category you choose each quarter. At account opening, the default 2% category is Grocery Stores. Available Spend Categories are Dining, Entertainment, Gas, Grocery Stores and Travel. Superstores and warehouse clubs only qualify for 1 point regardless of merchant category code. | — |
| Chosen top Spend Category | 3% backEarn unlimited 3% Cash Back on the Spend Category you choose each quarter. At account opening, the default 3% category is Dining. Available Spend Categories are Dining, Entertainment, Gas, Grocery Stores and Travel. Superstores and warehouse clubs only qualify for 1 point regardless of merchant category code. | — |
| 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. |
| Benefits | ||
Key Benefits |
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