TD Bank

TD Cash Secured Credit Card

Secured credit cards

Secured cash-back card with a $29 annual fee and refundable $300–$5,000 deposit. The approved deposit sets the credit line and is held in a TD collateral savings account. Credit review, interest and 3% foreign transaction fee apply.

Pros

  • 3% and 2% cash back in selected spend categories; 1% on other eligible purchases.
  • Reports to all three major credit bureaus.
  • Responsible use may qualify for an unsecured card and deposit return.

Cons

  • $29 annual fee and 3% foreign transaction fee.
  • Fund $300–$5,000 approved collateral in a TD savings account within 45 calendar days of approval.
  • Published purchase APR is 26.49% variable; cash-advance APR is 28.74% variable. Confirm current terms.

Generated from the provider's published terms and reviewed against official sources.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: Credit approval and an individual TD collateral savings account are required. Fund collateral within 45 calendar days of approval; the deposit sets the credit limit and cannot be withdrawn while securing the card. Online and in-person applications are available. Confirm acceptable identity and residency documents with TD.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 03 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare secured credit cards requirements and costs · How we assess published requirements

Annual fee 29 (currency not confirmed)
Security deposit 300–5000 (currency not confirmed)
Purchase APR Not confirmed
Foreign currency fee 3%
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Official terms

Checked 3 Nov 2026

Rewards

Not confirmed

What you need to apply

  • Eligible residential address in the U.S. · Minimum age: 18+
  • Credit approval required; paying the security deposit does not guarantee approval.
  • SSN: Not confirmed
  • ITIN / alternative ID: Not confirmed
Credit check

Not confirmed — Hard inquiry inferred from issuer guidance.

How the security deposit works

  • Required deposit: 300–5000 (currency not confirmed)
  • Funds remain unavailable for spending or withdrawal while pledged.
  • Deposit return / upgrade to an unsecured card is subject to review.

Remaining costs

No additional reviewed fees are currently listed.

Official sources
Verification notes

Last reviewed: 3 Nov 2026. Details are based on the provider’s published materials at that time.

Read official terms ↗

This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.

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