TD Cash Secured Credit Card from TD Bank: deposit, fees and APR

Fact sheet for the TD Cash Secured Credit Card, issued by TD Bank, with a $29 annual fee and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	TD Bank
Network	Visa
Annual fee	$29 a year
Rewards	Cashback: Earn 3% and 2% Cash Back on your choice of Spend Categories and switch your categories quarterly; earn 1% Cash Back on other purchases
Purchase APR	26.49%, based on your creditworthiness. All APRs will vary with the market based on the Prime Rate.
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good, Poor (tiers the issuer reports to the CFPB)
Secured	Yes, a refundable deposit sets the limit

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 26.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.