TD Cash Secured Credit Card Gets Major Rewards Boost to Match Standard Tier

Building credit doesn’t have to mean sacrificing rewards. TD Bank is making that statement louder today by supercharging its TD Cash Secured Credit Card with the same cash-back structure that earned praise on its standard-tier product.

What’s Changing for Cardholders

The updated TD Cash Secured Credit Card now delivers 3% cash back in a cardholder’s primary spending category, 2% in a secondary category, and 1% across all other eligible transactions. Users can rotate their top two categories quarterly, giving them flexibility to match their spending patterns to the rewards structure—a feature particularly useful for those whose priorities shift seasonally.

The eligible category lineup mirrors the standard TD Cash offering: Dining, Entertainment, Gas Stations, Grocery Stores, and Travel. This parity signals a shift in how secured products are being positioned—no longer as stripped-down alternatives, but as legitimate entry points into premium credit-building products.

Who Benefits Most

Secured credit cards traditionally serve individuals rebuilding their credit profile or establishing one from scratch. By anchoring security deposits to a credit line and reporting activity to major bureaus, these products create a documented credit history. With the cash-back enhancement, users can now earn tangible value during this building phase rather than simply maintaining a neutral benefit structure.

The card rounds out its offering with Visa Signature protections, including cell phone coverage and emergency card replacement services—benefits usually reserved for higher-tier products.

The Upgrade Path

A particular incentive here: cardholders with strong account activity may graduate to the unsecured TD Cash Credit Card after demonstrating responsible payment behavior. This creates a natural progression for those committed to improving their credit standing.

All existing TD Cash Secured Card holders receive the enhanced rewards automatically, with no action required on their part.

About TD Bank

As one of the largest banking institutions in the U.S., TD Bank serves over 10 million customers across more than 1,100 branches spanning the Northeast, Mid-Atlantic, Metro D.C., the Carolinas, and Florida. Beyond retail banking, the organization operates TD Auto Finance for vehicle lending and TD Wealth for private banking services. TD Bank is headquartered in Cherry Hill, New Jersey and operates as a subsidiary of The Toronto-Dominion Bank, a top 10 North American financial services company trading on major exchanges under ticker TD.