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TD Bank Cash Secured vs Target Circle Card Mastercard

Both are TD Bank cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Cash Secured 1.0% 1% base rate
  2. Target Circle Card Mastercard 1.0% 1x base rate

Dining

  1. Target Circle Card Mastercard 2.0% 2x
  2. Cash Secured 1.0% 1% base rate

Gas

  1. Target Circle Card Mastercard 2.0% 2x
  2. Cash Secured 1.0% 1% base rate

Department stores

  1. Target Circle Card Mastercard 5.0% 5x
  2. Cash Secured 1.0% 1% base rate

What the numbers are doing

Cash Secured lets you choose one category to earn 3% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.

The table is earn rate only — annual fees are not netted out of it. These cards charge Cash Secured $29 and Target Circle Card Mastercard $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Target Circle Card Mastercard takes dining, gas and department stores. Cash Secured wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseCash Secured1.0%
DiningTarget Circle Card Mastercard2.0%
GasTarget Circle Card Mastercard2.0%
Department storesTarget Circle Card Mastercard5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Cash Secured — 1.0%
  2. Target Circle Card Mastercard — 1.0%

Dining

  1. Target Circle Card Mastercard — 2.0%
  2. Cash Secured — 1.0%

Gas

  1. Target Circle Card Mastercard — 2.0%
  2. Cash Secured — 1.0%

Department stores

  1. Target Circle Card Mastercard — 5.0%
  2. Cash Secured — 1.0%
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Open this ranking in the generator

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