TD Cash Secured

The TD Cash Secured is built for someone who needs a secured card first and foremost, with simple rewards as a small extra. It works best as a credit-building card for everyday purchases, not as a card to maximize spending categories or premium perks.

Annual Fee

Rec. Credit Score

Excellent

Good For

Credit building

How to Apply Estimate your value

All information about TD Cash Secured has been collected independently by MaxRewards. TD Cash Secured is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the TD Cash Secured worth it?

This card is great for...

Building or rebuilding credit

Basic everyday purchases

No annual fee carrying costs

This card is worth considering if your main goal is getting a secured card from a major issuer and using it responsibly to establish or rebuild credit without paying an annual fee. The rewards are straightforward, 1% back on purchases, which is better than getting no rewards at all while you work on your credit profile.

For most readers, though, the rewards are not the reason to choose this card. There are no bonus categories, no welcome offer, and no listed benefits to help it stand out beyond its core job as a secured card. If you already qualify for unsecured cards, or you want stronger cash back while building credit, this will likely feel very basic. Its value comes from simplicity and low ongoing cost, not from extras.

MaxRewards Verdict

A sensible pick for credit builders who want a no-annual-fee secured card and uncomplicated rewards. If your credit is already in good shape or you want richer earnings and perks, this card does not give you much reason to keep it long term.

Earning

Rewards

The rewards setup here is as simple as it gets: 1% back on every purchase. That makes this card easy to use, but it is more about steady, uncomplicated earning than high-value category bonuses.

CategoryRate

Everywhere

Rewards percent based on a valuation of 1¢ per TD Points point

Eligibility

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing