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
None
No welcome offer; $29 annual fee, $300 to $5,000 credit line and 3%/2% choice categories confirmed
Spend Requirement
None
Annual Fee
$29
3% FTF
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 |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; $29 annual fee, $300 to $5,000 credit line and 3%/2% choice categories confirmed | TD Cash Secured Credit Card product page → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
$29 annual fee, $300 to $5,000 credit line, 3%/2% choice categories defaulting to dining and grocery, superstores and warehouse clubs at 1%, and 3% foreign fee confirmed.
Fields: benefits
TD Cash Secured Credit Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 3xChoice category, defaults to dining
- 2xSecond choice category, defaults to grocery stores
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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
- ✦Responsible use can graduate you 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.
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