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TD Cash Secured

Td Bank, National Association

Secured cardTop-25 issuerRegionalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
26.99%
Annual fee
$29
0% intro
None
0% transfer
0%
Foreign fee
3%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered26.99%
Median26.99%
Highest offered26.99%

Balance transfer APR

Promotional window: ? months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered29.24%
Median29.24%
Highest offered29.24%

Every fee on this card

Annual fee$29
Balance transfer fee5% (min $5)
Cash advance fee5% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$40
Emergency Replacement Card Fee$32
Stop Payment Fee$39

Late fee policy: Late fee amount not to surpass minimum payment amount

Rewards, benefits and features

Rewards
  • Cashback rewards
Services
  • Access to Free Credit Scores
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityRegional
StatesCT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Membership requirementsOpen to the public
Phone1-888-561-8861
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$350

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 26.99% afterwards.

Cost to carry a balance
Interest for a year at 26.99%$809.70
Annual / periodic fees$29
Total yearly cost$838.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

39 documents filed by Td Bank, National Association in the 2026 Q1 archive.

All 39 agreements

More from this issuer