TD Cash Secured Credit Card

*Read important terms and conditions for details about rates, fees, eligible purchases, balance transfers and program details. All rewards are earned as points redeemable for Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

¹The TD Cash Secured Credit Card can help build your credit with responsible use. TD Bank reports your account to the three major credit bureaus which can help you build or rebuild your credit if you use your credit card responsibly. Responsible use includes but is not limited to paying at least the minimum payment on time. Late payments and other derogatory activity may negatively impact your ability to build or rebuild your credit.

²Spend Categories:

Every quarter, choose your 3% and 2% Spend Categories, and earn 1% on all other purchases. At time of card opening, the card Spend Categories will default to 3% Cash Back on Dining, and 2% at Grocery Stores. Each quarter, you can choose to change your Spend Categories. Each Spend Category represents Purchases that are grouped by the type of goods and services sold by the merchant, based on that merchant’s Spend Category Code (“MCC”). Merchants who accept Visa credit cards are assigned an MCC, which is determined by the merchant or its processor in accordance with Visa procedures and is based on the kinds of products and services they primarily sell. We do not determine which MCC a merchant uses. For complete rewards details, please read Important Credit Card Terms and Conditions.

Within 30 days of account opening, you will have a one-time opportunity to change the Spend Category that was initially assigned to the 3% and 2% Reward Tiers at account opening. This change will apply during the first calendar quarter following account opening.

Dining: The Dining Spend Category may include merchants that are primarily sit-down, fine dining and/or fast-food restaurants.

Entertainment: The Entertainment Spend Category may include merchants with their primary business is for recreational and entertainment services including movie theaters, ticket agencies, amusement parks and tourist attractions.

Gas Stations: The Gas Stations Spend Category may include merchants selling automotive gasoline at the pump or inside the station.

Grocery Stores: The Grocery Stores Spend Category may include merchants that offer a full line of groceries including a deli, bakery and meat department. Their primary products include grocery items and include smaller convenience stores and bakeries.

Travel: The Travel Spend Category may include merchants offering the purchase of airline tickets, hotel stays, car rental agencies, train tickets, bus lines, travel agencies, cruise lines along with parking and tolls.

Groceries purchased from superstores and/or warehouse clubs may only earn 1% Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

³Collateral 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 Secured, Important Terms and Conditions for TD Cash Secured, and TD Simple Savings Account Guide.

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View the Personal Credit Card Agreement for TD Cash Secured.

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