Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
27.74%(Verified 11/26/2024)
Balance Transfer APR (Fixed APR)
27.74%(Verified 11/26/2024)
Credit Score Range
650 - 850
Annual Fee
$29
TD Cash Secured Credit Card Review
This is a secured credit card issued by TD Bank. If you're wondering whether TD Cash Secured Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 27.74%
- A 3% balance transfer fee. TD Cash Secured Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of TD Cash Secured Credit Card
| The Good | The Bad |
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TD Cash Secured Credit Card FAQ
Does TD Cash Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for TD Cash Secured Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.TD Cash Secured Credit Card has a fixed purchase APR of 27.74%. The card has a fixed balance transfer APR of 27.74% . It also has a fixed cash advance APR of 29.99% .
Does TD Cash Secured Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does TD Cash Secured Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for TD Cash Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $29.
What is the customer service phone number for TD Cash Secured Credit Card?
The customer service number for TD Cash Secured Credit Card is (833) 259-5980.
What is the support contact email for TD Cash Secured Credit Card?
The support contact email for TD Cash Secured Credit Card is customer.service@td.com.
What is the login page for TD Cash Secured Credit Card?
You can access the login page of TD Cash Secured Credit Card here.
How do people rate the customer service and user experience of TD Cash Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does TD Cash Secured Credit Card report your account activity to credit bureaus?
Yes, TD Cash Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does TD Bank perform a hard credit pull?
Yes, TD Cash Secured Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for TD Cash Secured Credit Card
- Visit the website of TD Cash Secured Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed