$0
Annual fee
See the card
Card reviewTD Bank
Updated Jul 2, 2026 · researchTC
TD BankTD Cash Secured Credit Card Cash BackEditorially reviewed
TD Cash Secured Credit Card
Build credit and earn 3%, 2%, and 1% Cash Back with a $29 annual fee secured credit card.
Entry LevelPersonal
Visa
$29
Annual fee
3% back choice 3% spend category
Top rate
3%
Foreign fee
N/A
Rating
Earning Rates
Choice 3% Spend Category
3%cash back
Every 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.
Choice 2% Spend Category
2%cash back
Every 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.
Other purchases
1%cash back
Earn 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.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $29 |
| Foreign Transaction Fee | 3% |
APR Information
- Purchase APR
- 26.49%
- Balance Transfer APR
- 26.49%
- Cash Advance APR
- 28.74%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
3 benefits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
TD Cash Secured Credit Card is a secured personal credit card from TD Bank that can help build credit with responsible use and earns cash back: 3% and 2% Cash Back on your choice of Spend Categories, switchable quarterly, plus 1% Cash Back on other purchases. It has a $29 annual fee.
Ready to Decide?
Apply for the TD Cash Secured Credit Card
Current offer available with a $29 annual fee.
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Card Categories
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Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Editorial Review
Pending editorial review.
Data Quality
- 2 of 3 benefits rated high confidence
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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