Get More With Your TD Cash Secured Credit Card

Explore all the benefits and features of your TD Credit Card.

Over time, your TD Cash Secured Credit Card can help you build credit.

Here's how your card works:

  • Make purchases like with any credit card
  • Build your credit by making on-time payments
  • Earn Cash Back on all eligible purchases*
  • Your linked savings account works as a security deposit1
  • $29 annual fee*

Log in to manage your TD Credit Card and view your rewards.*

Manage your credit card online or with the TD Bank app

  • Activate a new credit card and add it to your digital wallet
  • Check your balance and view transactions
  • Pay your bill and set up recurring payments
  • Check your FICO score (Online Banking only)
  • View and redeem rewards
  • Set up balance and transaction alerts
  • Choose paperless statements
  • Order a replacement card
  • Check for balance transfer offers

Need to enroll in Online Banking? It's easy to do online or in the TD Bank app. Enroll now

How to graduate to an unsecured card


If you use and maintain your TD Cash Secured Card and keep it in good standing, you may be eligible to graduate to an unsecured TD Bank Credit Card. Please keep in mind, not all accounts qualify for graduation. A decision to graduate is based on responsible credit management across all your credit cards and loans, including TD and others.

View your rewards

Check your rewards balance and how to redeem through Online Banking or the TD Bank app.

TD Bank Visa® Credit Card benefits2

  • Fraud and purchase protection benefits

    Every TD Credit Card comes with an added layer of protection, such as:

    • Cell phone protection3
    • Emergency card replacement
    • ID Navigator Powered by Norton Lifelock4
  • Travel, entertainment and lifestyle benefits

    You'll also get the following:

    •  Roadside Dispatch®
    • Same-day delivery from a variety of stores5
    • Discover new music with Sofar Sounds6
    • More Visa offers and deals

Have you checked for special offers?

Log in to Online Banking or the TD Bank app to see if you've qualified for any personalized offers.

Looking for a balance transfer?
Check under Balance Transfer to see if there's an offer or contact TD to initiate a balance transfer request. 

More helpful tools and resources

View the Personal Credit Card Agreement for TD Cash Secured Card.

*Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

TD Cash Secured Accounts opened prior to 04/23/2020: you earn three (3) Points for each one-dollar ($1) of Dining Purchases; two (2) Points for each one dollar ($1) of Grocery Store Purchases, and one (1) Point for each one dollar ($1) of other Purchases. TD Cash Secured Accounts opened on and after 04/23/2020: you earn one (1) Point for each one dollar ($1) on all eligible purchases.

Some of the benefits below are provided by Visa® and may vary by product. Please see terms and external links below for details, as terms and exclusions may apply.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Collateral Account for the TD Cash Secured Credit Card: In order to establish and maintain the Secured Card account (the “Credit Card Account”), and in consideration of the issuance of the Credit Card Account, you must establish and maintain an individual TD Bank savings account (the “Collateral Account”) that you designate to secure repayment of your Credit Card Account in your name, and you must grant us a security interest in the funds in the Collateral Account. The minimum credit limit for the Credit Card Account is $300, and you must deposit and maintain an amount up to your Credit Card Account credit limit in the Collateral Account within fifteen (15) business days from approval (if your account is approved). The amount you deposit up to your approved credit limit within fifteen (15) business days from approval will be your credit limit for your Credit Card Account. You may not make any withdrawals from the Collateral Account while it secures your Card. If you do not pay your Credit Card Account balance or you or we decide to close your Credit Card Account for any reason, you authorize us to apply all of the funds in the Collateral Account to your outstanding Credit Card Account balance. For details, read the Personal Credit Card Agreement for TD Cash SecuredImportant Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

2As long as your account is in good standing as defined by your credit card agreement, you will be eligible for these benefits. For complete terms and conditions, please review the TD Credit Card Visa Guide to Benefits or the TD Credit Card Visa Guide to Business Benefits.

For complete Visa Credit Card benefit descriptions and program terms please visit

3Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered card. Recurring payments can be set up at or directly with your cell phone service provider.

4No one can prevent all identity theft. To confirm eligibility, visit

5Free delivery applies to orders over $35 as part of a Shipt membership. Orders with alcohol may incur a $7 alcohol fee. Additional terms apply. To see a full list of Offer Terms, visit

6See details at

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