TD Cash Secured Credit Card
Purchase APR 26.49%, variable.
- Annual fee
- Issuer's pagetd.com
“$29 annual fee*”
- Purchase APR
- Issuer's pagetd.com
“26.49% variable APR”
- Foreign transaction fee
- Issuer's pagetd.com
“3% of each transaction in U.S. dollars”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $90 | $90 |
| Typical spender | $270 | $270 |
| Heavy spender | $630 | $630 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 55% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Cash Back Rewards
- 3%Chosen 3% Spend Category; available categories are Dining, Entertainment, Gas Stations, Grocery Stores and Travel.
- 2%Chosen 2% Spend Category; available categories are Dining, Entertainment, Gas Stations, Grocery Stores and Travel.
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagetd.com “$29 annual fee*” |
|---|---|
| Purchase APR | Issuer's pagetd.com “26.49% variable APR” |
| Balance transfer fee | Issuer's pagetd.com “$10 or 5% of advance whichever amount is greater” |
| Cash advance APR | Issuer's pagetd.com “28.74% variable APR” |
| Cash advance fee | Issuer's pagetd.com “$10 or 5% of advance whichever amount is greater” |
| Late payment | Issuer's pagetd.com “Up to $40” |
| Foreign transactions | Issuer's pagetd.com “3% of each transaction in U.S. dollars” |
| Minimum interest charge | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- TD Bank reports the account to the three major credit bureaus.
- With responsible card use, the account may graduate to an unsecured TD Cash Credit Card; not all accounts qualify.
- Every TD Bank Credit Card comes with protections such as emergency card replacement and roadside assistance.