Our illustration in the card’s colours, not its design
TD Bank credit card
TD Cash Secured Credit Card
- APR up · 26.49% to 26.74% · Nov 1, 2026
$29 a year. Purchase APR 26.74%, variable.
Checked Nov 8, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 8, 2026
Issuer's page · td.com
“$29 annual fee*”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 8, 2026
Issuer document · td.com · PDF
“(APR) for Purchases: 26.74%, based on your creditworthiness.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 8, 2026
Issuer document · td.com · PDF
“3% of each transaction in U.S. dollars”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $90 | $90 | |
| Typical spender | $270 | $270 | |
| Heavy spender | $630 | $630 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$90a year
The same in the first year and after.
Rewards and credits$120
You keep $90−$30 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$270a year
The same in the first year and after.
Rewards and credits$300
You keep $270−$30 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$630a year
The same in the first year and after.
Rewards and credits$660
You keep $630−$30 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 65% of the 732 cards we track.
- Worth more to a typical spender than about 80% of the 50 cards on our Secured list (see the list).
- Lower top APR than about 50% of the 651 cards we track.
Other secured cash back cards with fees up to $100
- FNBO Secured Visa Credit CardFNBO · $35 a year−$5 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Cash Back Rewards
How you earn
- 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
Cash back, as a share of each purchase.
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.
Changes
- Nov 1, 2026 APR 26.49% to 26.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 8, 2026 Issuer's page · td.com “$29 annual fee*” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 8, 2026 Issuer document · td.com · PDF “(APR) for Purchases: 26.74%, based on your creditworthiness.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 8, 2026 Issuer document · td.com · PDF “APR for Balance Transfers: 26.74%, based on your creditworthiness.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 8, 2026 Issuer document · td.com · PDF “• Balance Transfers Either $5 or 5% of the amount of each transfer, whichever is greater.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 8, 2026 Issuer document · td.com · PDF “APR for Cash Advances: 28.99%” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 8, 2026 Issuer document · td.com · PDF “• Cash Advances Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 8, 2026 Issuer document · td.com · PDF “Up to $40” |
| Returned payment | Receipt · Returned paymentChecked Nov 8, 2026 Issuer document · td.com · PDF “Up to $40” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 8, 2026 Issuer document · td.com · PDF “3% of each transaction in U.S. dollars” |
| Grace period | Receipt · Grace periodChecked Nov 8, 2026 Issuer document · td.com · PDF “Paying Interest: Your due date is at least 25 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 8, 2026 Issuer document · td.com · PDF “Minimum Interest Charge: If you are charged interest, the charge will be no less than $1.00.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $29 · td.com, since Nov 1, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each transaction in U.S. dollars. · td.com · PDF, since Sep 29, 2026
- What is the purchase APR?
- 26.74% APR · td.com · PDF, since Nov 1, 2026