TD Bank Cash vs Cash Secured
Both are TD Bank cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Cash 1.0% 1% base rate
- Cash Secured 1.0% 1% base rate
What the numbers are doing
Cash 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 $0 and Cash Secured $29 a year, so a thin lead in one category may not cover the difference.
These cards return the same effective rate in all 60 categories, so the ranking cannot separate them. Pick on annual fee instead: Cash $0, Cash Secured $29.
| Category | Best card |
|---|---|
| Everything else | Cash1.0% |
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
- Cash — 1.0%
- Cash Secured — 1.0%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.