TD Cash Secured Credit Card
By Alex Compton · Last verified
A secured card that earns like TD's unsecured Cash card, fee and all.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
None
required (secured)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xChoice category, defaults to dining
- 2xSecond choice category, defaults to grocery stores
- 1xEverything else
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦3% and 2% choice categories mirror the unsecured TD Cash card
- ✦Refundable deposit from $300 to $5,000 sets your credit line
- ✦Categories can be switched quarterly
- ✦Automatic reviews for graduation to an unsecured TD card
Why it earns its spot
- +Best-in-class earning for a secured card
- +High $5,000 deposit ceiling supports a real limit
- +Graduation path inside TD's lineup
Where it costs you
- −$29 annual fee, which most secured competitors skip
- −Only available in TD's East Coast footprint states
- −Superstore and warehouse grocery purchases earn just 1%
The Compound Verdict
Almost no secured card earns 3% on anything, so TD handing rebuilders its full Cash card earning structure is genuinely notable. The $29 annual fee is the asterisk: Discover it Secured earns less but costs nothing and has a famous graduation track. If you are in TD's footprint and spend heavily on dining, the fee pays for itself; otherwise Discover wins.
Rate this card
Be the first to rate it
Commentson TD Cash Secured
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.