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TD Cash Secured Credit Card

  • Regular Purchase APR   25.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  27.49% variable based on the Prime Rate
  • Annual Fee  $29
  • Credit Needed  Fair , Poor , No Credit Required
  • Processing Network Visa

Best Benefits
  • Build or repair your credit and earn cash back on everyday purchases
  • Earn 3% Cash Back on dining purchases
  • Earn 2% Cash Back at grocery stores
  • Earn 1% Cash Back on other eligible purchases
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 25.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 25.24% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
     Cash Advance APR: 27.49% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
     Penalty APR: N/A
     Annual Fee: $29
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: $500
     Credit Needed: Fair , Poor , No Credit Required

 

At a Glance

If you don’t have an impressive credit score, the TD Cash Secured Credit Card can help you get back on track while you earn 3% cash back on dining, 2% at grocery stores, and 1% on other eligible purchases wherever life takes you.

The Gist

Qualifying for a rewards-rich credit card can be a tricky feat if financial missteps in the past have lowered your credit score. Thankfully, the TD Cash Secured Credit Card works as if it was a standard credit card, including giving you the ability to earn cash back on purchases you’re likely already making, such as 3% on dining and 2% at grocery stores, plus 1% on the things you buy elsewhere. That’s definitely an inviting perk for a secured card when similar cards in the same space have fewer benefits, if any.

The TD Cash Secured Credit Card offers a handful of other benefits on your road to financial recovery that are sure to come in handy, including purchase protection against unauthorized charges and zero foreign transaction fees when you buy things overseas. Best of all, if you exhibit responsible financial behavior for seven consecutive billing cycles with this card, such as making payments on time and staying in good standing, TD may even approve you for an unsecured card. If your application to other cards has been rejected,the TD Cash Secured may be your key to credit redemption.

Apply for This Card if You:

  • Have poor credit and want to rebuild your credit score
  • Wish to earn 3% on dining, 2% at supermarkets, and 1% on other qualifying purchases you make
  • Eventually want to qualify for an unsecured credit card with an array of benefits and features

 

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Published: September 1, 2019 8:29 am

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