‡TD Bank reserves the right to not extend credit (on the terms described in the offer(s) or in entirety), if after you submit an application, we find any of the following: (1) we are unable to confirm that you are the person to whom the offer was made, (2) any information that you provided as part of this prequalification request or the application is incomplete, inaccurate, or unverifiable, (3) we determine that you no longer meet any of the criteria used to select you for the offer(s), including but not limited to, criteria bearing on your creditworthiness, or (4) you do not meet any additional criteria that we regularly consider in evaluating applications for the amount and type of credit requested, including but not limited to our analysis of your debt-to-income and full credit.
View Credit Card Agreements for TD Bank Credit Cards.
TD Cash Secured Credit Card
*Read important terms and conditions for details about rates, fees, eligible purchases, balance transfers and program details. 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:
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. After the first 30 days, every quarter you may 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 details, please read important terms and conditions.
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.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
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