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Earn up to 6% cash back while building credit with $0 annual fee
Build or rebuild your credit while earning 3% cash back in a category you choose — plus a first-year 3% bonus for 6% total. Automatic 2% at grocery stores and wholesale clubs, and 1% on everything else. $0 annual fee with a refundable $200-$5,000 security deposit and free monthly FICO score access.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Fair
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Dining | 3X | Core | any | $2,500/quarterly | |
| Drugstores | 3X | Core | any | $2,500/quarterly | |
| Gas Stations | 3X | Core | any | $2,500/quarterly | |
| Home Improvement | 3X | Core | any | $2,500/quarterly | |
| Online Shopping | 3X | Core | any | $2,500/quarterly | |
| Streaming | 3X | Core | any | $2,500/quarterly | |
| Telecom | 3X | Core | any | $2,500/quarterly | |
| Travel | 3X | Core | any | $2,500/quarterly | |
| Grocery Stores | 2X | Core | any | $2,500/quarterly | |
| Wholesale Clubs | 2X | Core | any | $2,500/quarterly |
Select one of 6 categories each month to earn 3% cash back — doubled to 6% during your first year. Gas, dining, online shopping, travel, drug stores, and home improvement are all available options.
Spend $500/month on gas as your choice category: earn $180/year in cash back (at 3%), or $360 in year one (at 6%)
Automatic 2% cash back on groceries and wholesale club purchases. Combined with the 3% choice category, your first $2,500 per quarter earns bonus rates.
Spend $400/month on groceries: earn $96/year in cash back at 2%
Every purchase earns at least 1% cash back with no caps or limits on the base rate. All purchases beyond the $2,500 quarterly cap also earn 1%.
Spend $1,000/month on miscellaneous purchases: earn $120/year at 1%
Benefits & Perks
Account activity reported monthly to Equifax, Experian, and TransUnion to build your credit history.
Access your updated FICO score monthly free in Mobile or Online Banking with key factors and credit health tips.
Details & Terms
| Rule | Details |
|---|---|
| B of A 1/24 | You'll be declined for Alaska Airlines and B of A Premium Rewards cards if you have opened or CLOSED that card in the previous 24 months |
| B of A 2/3/4 | Bank of America limits the number of personal cards issued by the bank that you can get within a certain time frame |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 27.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
Reviews & Analysis
Earn up to 6% cash back while building credit with $0 annual fee
Build or rebuild your credit while earning 3% cash back in a category you choose — plus a first-year 3% bonus for 6% total. Automatic 2% at grocery stores and wholesale clubs, and 1% on everything else. $0 annual fee with a refundable $200-$5,000 security deposit and free monthly FICO score access.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Fair
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Dining | 3X | Core | any | $2,500/quarterly | |
| Drugstores | 3X | Core | any | $2,500/quarterly | |
| Gas Stations | 3X | Core | any | $2,500/quarterly | |
| Home Improvement | 3X | Core | any | $2,500/quarterly | |
| Online Shopping | 3X | Core | any | $2,500/quarterly | |
| Streaming | 3X | Core | any | $2,500/quarterly | |
| Telecom | 3X | Core | any | $2,500/quarterly | |
| Travel | 3X | Core | any | $2,500/quarterly | |
| Grocery Stores | 2X | Core | any | $2,500/quarterly | |
| Wholesale Clubs | 2X | Core | any | $2,500/quarterly |
Select one of 6 categories each month to earn 3% cash back — doubled to 6% during your first year. Gas, dining, online shopping, travel, drug stores, and home improvement are all available options.
Spend $500/month on gas as your choice category: earn $180/year in cash back (at 3%), or $360 in year one (at 6%)
Automatic 2% cash back on groceries and wholesale club purchases. Combined with the 3% choice category, your first $2,500 per quarter earns bonus rates.
Spend $400/month on groceries: earn $96/year in cash back at 2%
Every purchase earns at least 1% cash back with no caps or limits on the base rate. All purchases beyond the $2,500 quarterly cap also earn 1%.
Spend $1,000/month on miscellaneous purchases: earn $120/year at 1%
Benefits & Perks
Account activity reported monthly to Equifax, Experian, and TransUnion to build your credit history.
Access your updated FICO score monthly free in Mobile or Online Banking with key factors and credit health tips.
Details & Terms
| Rule | Details |
|---|---|
| B of A 1/24 | You'll be declined for Alaska Airlines and B of A Premium Rewards cards if you have opened or CLOSED that card in the previous 24 months |
| B of A 2/3/4 | Bank of America limits the number of personal cards issued by the bank that you can get within a certain time frame |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 27.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
Reviews & Analysis
Earn up to 6% cash back while building credit with $0 annual fee
Build or rebuild your credit while earning 3% cash back in a category you choose — plus a first-year 3% bonus for 6% total. Automatic 2% at grocery stores and wholesale clubs, and 1% on everything else. $0 annual fee with a refundable $200-$5,000 security deposit and free monthly FICO score access.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Fair
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Dining | 3X | Core | any | $2,500/quarterly | |
| Drugstores | 3X | Core | any | $2,500/quarterly | |
| Gas Stations | 3X | Core | any | $2,500/quarterly | |
| Home Improvement | 3X | Core | any | $2,500/quarterly | |
| Online Shopping | 3X | Core | any | $2,500/quarterly | |
| Streaming | 3X | Core | any | $2,500/quarterly | |
| Telecom | 3X | Core | any | $2,500/quarterly | |
| Travel | 3X | Core | any | $2,500/quarterly | |
| Grocery Stores | 2X | Core | any | $2,500/quarterly | |
| Wholesale Clubs | 2X | Core | any | $2,500/quarterly |
Select one of 6 categories each month to earn 3% cash back — doubled to 6% during your first year. Gas, dining, online shopping, travel, drug stores, and home improvement are all available options.
Spend $500/month on gas as your choice category: earn $180/year in cash back (at 3%), or $360 in year one (at 6%)
Automatic 2% cash back on groceries and wholesale club purchases. Combined with the 3% choice category, your first $2,500 per quarter earns bonus rates.
Spend $400/month on groceries: earn $96/year in cash back at 2%
Every purchase earns at least 1% cash back with no caps or limits on the base rate. All purchases beyond the $2,500 quarterly cap also earn 1%.
Spend $1,000/month on miscellaneous purchases: earn $120/year at 1%
Benefits & Perks
Account activity reported monthly to Equifax, Experian, and TransUnion to build your credit history.
Access your updated FICO score monthly free in Mobile or Online Banking with key factors and credit health tips.
Details & Terms
| Rule | Details |
|---|---|
| B of A 1/24 | You'll be declined for Alaska Airlines and B of A Premium Rewards cards if you have opened or CLOSED that card in the previous 24 months |
| B of A 2/3/4 | Bank of America limits the number of personal cards issued by the bank that you can get within a certain time frame |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 27.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
Reviews & Analysis
Active fraud monitoring detects suspicious activity with automatic alerts and FCUA fraud protection.
Link a BofA checking account to prevent overdrafts with automatic transfers from your credit line.
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
A secured card that actually earns competitive rewards. Choose your 3% category each month from 6 options, earn 6% in year one, and get 2% at grocery stores — all while building credit with $0 annual fee. The $2,500 quarterly cap on bonus categories limits heavy spenders.
Comprehensive review covering rewards structure, credit-building features, pros/cons, and comparison to Discover it Secured and Capital One Platinum Secured.
Official Bank of America product page with current rates, rewards details, and application.
LendingTree review highlighting cash back rewards, $5,000 max credit limit, and comparison to Discover it Secured and Chase Freedom Rise.
Yahoo Finance names BofA Customized Cash Rewards Secured as 'Best for adjustable cash back' in their best secured credit cards roundup.
Credit Karma's review covering the 3-2-1 rewards structure and first-year 3% bonus bringing total to 6% in choice category.
WalletHub's detailed card page with 4.3/5 rating, Q&A section covering credit limit increases, graduation, and deposit refunds.
Reddit user discusses experience with BofA secured card including payment history, utilization management, and frustrations with the graduation process.
Credit-building focused review detailing the 6% first-year bonus and category options for the secured card.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Active fraud monitoring detects suspicious activity with automatic alerts and FCUA fraud protection.
Link a BofA checking account to prevent overdrafts with automatic transfers from your credit line.
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
A secured card that actually earns competitive rewards. Choose your 3% category each month from 6 options, earn 6% in year one, and get 2% at grocery stores — all while building credit with $0 annual fee. The $2,500 quarterly cap on bonus categories limits heavy spenders.
Comprehensive review covering rewards structure, credit-building features, pros/cons, and comparison to Discover it Secured and Capital One Platinum Secured.
Official Bank of America product page with current rates, rewards details, and application.
LendingTree review highlighting cash back rewards, $5,000 max credit limit, and comparison to Discover it Secured and Chase Freedom Rise.
Yahoo Finance names BofA Customized Cash Rewards Secured as 'Best for adjustable cash back' in their best secured credit cards roundup.
Credit Karma's review covering the 3-2-1 rewards structure and first-year 3% bonus bringing total to 6% in choice category.
WalletHub's detailed card page with 4.3/5 rating, Q&A section covering credit limit increases, graduation, and deposit refunds.
Reddit user discusses experience with BofA secured card including payment history, utilization management, and frustrations with the graduation process.
Credit-building focused review detailing the 6% first-year bonus and category options for the secured card.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Active fraud monitoring detects suspicious activity with automatic alerts and FCUA fraud protection.
Link a BofA checking account to prevent overdrafts with automatic transfers from your credit line.
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
A secured card that actually earns competitive rewards. Choose your 3% category each month from 6 options, earn 6% in year one, and get 2% at grocery stores — all while building credit with $0 annual fee. The $2,500 quarterly cap on bonus categories limits heavy spenders.
Comprehensive review covering rewards structure, credit-building features, pros/cons, and comparison to Discover it Secured and Capital One Platinum Secured.
Official Bank of America product page with current rates, rewards details, and application.
LendingTree review highlighting cash back rewards, $5,000 max credit limit, and comparison to Discover it Secured and Chase Freedom Rise.
Yahoo Finance names BofA Customized Cash Rewards Secured as 'Best for adjustable cash back' in their best secured credit cards roundup.
Credit Karma's review covering the 3-2-1 rewards structure and first-year 3% bonus bringing total to 6% in choice category.
WalletHub's detailed card page with 4.3/5 rating, Q&A section covering credit limit increases, graduation, and deposit refunds.
Reddit user discusses experience with BofA secured card including payment history, utilization management, and frustrations with the graduation process.
Credit-building focused review detailing the 6% first-year bonus and category options for the secured card.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
