TD Cash Secured Credit Card
A secured card that earns like TD's unsecured Cash card, fee and all.
Welcome Bonus
None
No welcome offer
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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
- ✦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.
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