Cash back · Visa · $29 annual fee
Last verified 2026-09-09. Review issuer source
TD Bank TD Cash Secured is a $29-a-year cash back card from TD Bank. It earns 1% on purchases, which puts it behind most rewards cards; you hold it for the credit reporting, not the rewards.
On our reference budget of $24,600 a year it earns $246, which clears the $29 fee with $217 to spare before any credits or perks.
Get it for the reporting. Pay in full, keep the balance under a third of the limit, and ask about graduating to an unsecured card after a year. The rewards are beside the point. It charges 3% on foreign purchases, so leave it home when you travel abroad.
No welcome bonus is stored for this catalog entry yet.
No benefits are stored for this catalog entry yet.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| TD Cash SecuredThis card · 1% on everything | $29 | $246 | +$217 | 873rd of 1,291 |
| TD CashTD Bank's most-held other card · 3% on dining | None | $570 | +$570 | 16th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
