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Build credit while earning 1.5 points per $1 with $0 annual fee
The Bank of America Travel Rewards Secured card helps establish or rebuild your credit while earning unlimited 1.5 points per dollar on all purchases. With $0 annual fee, no foreign transaction fees, and a $200-$5,000 security deposit that may be returned based on responsible use, this secured card delivers real rewards without compromising your budget.
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Traditional
Rewards Currency
Bank of America points
Point Valuation
0.6–1 cpp (mid: 1)
Credit Required
Fair
Benefits & Perks
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Bank of America reviews eligible accounts periodically to return your security deposit as credit improves.
Link your Bank of America checking account to prevent overdraft fees through automatic transfers.
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Details & Terms
| Purchase APR | 27.49% (Variable) |
| Foreign Transaction Fee | $0 |
No, points don't expire as long as your Bank of America credit card account is open and active. Once you close a card, any unredeemed points on that card are lost.
No. Bank of America points cannot be transferred to external loyalty programs. You can only redeem them for statement credits, cash back, or gift cards.
You need at least 2,500 points to redeem. That's worth $25 toward travel/dining statement credits or $15 as cash back.
Reviews & Analysis
This secured card stands out by offering a competitive 1.5 points per dollar earn rate with no annual fee—most secured cards offer minimal rewards or charge fees. The $200 minimum security deposit is standard, and the potential for deposit return after demonstrating responsible use gives you a path to upgrade.
Media & Resources

Build credit while earning 1.5 points per $1 with $0 annual fee
The Bank of America Travel Rewards Secured card helps establish or rebuild your credit while earning unlimited 1.5 points per dollar on all purchases. With $0 annual fee, no foreign transaction fees, and a $200-$5,000 security deposit that may be returned based on responsible use, this secured card delivers real rewards without compromising your budget.
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Traditional
Rewards Currency
Bank of America points
Point Valuation
0.6–1 cpp (mid: 1)
Credit Required
Fair
Benefits & Perks
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Bank of America reviews eligible accounts periodically to return your security deposit as credit improves.
Link your Bank of America checking account to prevent overdraft fees through automatic transfers.
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Details & Terms
| Purchase APR | 27.49% (Variable) |
| Foreign Transaction Fee | $0 |
No, points don't expire as long as your Bank of America credit card account is open and active. Once you close a card, any unredeemed points on that card are lost.
No. Bank of America points cannot be transferred to external loyalty programs. You can only redeem them for statement credits, cash back, or gift cards.
You need at least 2,500 points to redeem. That's worth $25 toward travel/dining statement credits or $15 as cash back.
Reviews & Analysis
This secured card stands out by offering a competitive 1.5 points per dollar earn rate with no annual fee—most secured cards offer minimal rewards or charge fees. The $200 minimum security deposit is standard, and the potential for deposit return after demonstrating responsible use gives you a path to upgrade.
Media & Resources

Build credit while earning 1.5 points per $1 with $0 annual fee
The Bank of America Travel Rewards Secured card helps establish or rebuild your credit while earning unlimited 1.5 points per dollar on all purchases. With $0 annual fee, no foreign transaction fees, and a $200-$5,000 security deposit that may be returned based on responsible use, this secured card delivers real rewards without compromising your budget.
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Traditional
Rewards Currency
Bank of America points
Point Valuation
0.6–1 cpp (mid: 1)
Credit Required
Fair
Benefits & Perks
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Bank of America reviews eligible accounts periodically to return your security deposit as credit improves.
Link your Bank of America checking account to prevent overdraft fees through automatic transfers.
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Details & Terms
| Purchase APR | 27.49% (Variable) |
| Foreign Transaction Fee | $0 |
No, points don't expire as long as your Bank of America credit card account is open and active. Once you close a card, any unredeemed points on that card are lost.
No. Bank of America points cannot be transferred to external loyalty programs. You can only redeem them for statement credits, cash back, or gift cards.
You need at least 2,500 points to redeem. That's worth $25 toward travel/dining statement credits or $15 as cash back.
Reviews & Analysis
This secured card stands out by offering a competitive 1.5 points per dollar earn rate with no annual fee—most secured cards offer minimal rewards or charge fees. The $200 minimum security deposit is standard, and the potential for deposit return after demonstrating responsible use gives you a path to upgrade.
Media & Resources
No. You cannot transfer points to another cardholder or person. You may be able to transfer rewards between your own eligible Bank of America accounts by calling customer service.
Preferred Rewards members earn 25% (Gold), 50% (Platinum), or 75% (Platinum Honors/Diamond) more points on every purchase. A card earning 1.5x would earn 2.625x at the Platinum Honors tier.
Flights, hotels, vacation rentals (including Airbnb), baggage fees, car rentals, and restaurant meals all qualify as travel/dining purchases.
Travel Rewards (no annual fee, 1.5x all), Premium Rewards ($95 AF, 2x travel/dining), Premium Rewards Elite ($550 AF with luxury travel benefits), Customized Cash Rewards (no AF, 5.25% in chosen category), and Unlimited Cash Rewards (no AF, simple cash back).
WalletHub's in-depth review covering earn rates, redemption options, and value analysis for the secured version of this travel rewards card.
Credit Karma's analysis of rewards value, annual fee economics, and Preferred Rewards bonus multipliers.
Motley Fool's assessment of whether this secured card delivers sufficient value for credit-building consumers seeking travel rewards.
NerdWallet evaluates the unsecured version's value proposition, with insights applicable to the secured variant's rewards structure.
Bankrate's comprehensive guide featuring the Travel Rewards Secured as a top pick for flat-rate travel rewards with no annual fee.
U.S. News positions this secured card as the best option for rebuilding credit while earning competitive travel rewards.
Forbes Advisor names this the best Bank of America secured card for travel rewards, highlighting the 1.5x earn rate and Preferred Rewards bonus potential.
Forbes breaks down the value of Bank of America points across redemption options, including the 1 cent per point baseline for travel statement credits.

| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
No. You cannot transfer points to another cardholder or person. You may be able to transfer rewards between your own eligible Bank of America accounts by calling customer service.
Preferred Rewards members earn 25% (Gold), 50% (Platinum), or 75% (Platinum Honors/Diamond) more points on every purchase. A card earning 1.5x would earn 2.625x at the Platinum Honors tier.
Flights, hotels, vacation rentals (including Airbnb), baggage fees, car rentals, and restaurant meals all qualify as travel/dining purchases.
Travel Rewards (no annual fee, 1.5x all), Premium Rewards ($95 AF, 2x travel/dining), Premium Rewards Elite ($550 AF with luxury travel benefits), Customized Cash Rewards (no AF, 5.25% in chosen category), and Unlimited Cash Rewards (no AF, simple cash back).
WalletHub's in-depth review covering earn rates, redemption options, and value analysis for the secured version of this travel rewards card.
Credit Karma's analysis of rewards value, annual fee economics, and Preferred Rewards bonus multipliers.
Motley Fool's assessment of whether this secured card delivers sufficient value for credit-building consumers seeking travel rewards.
NerdWallet evaluates the unsecured version's value proposition, with insights applicable to the secured variant's rewards structure.
Bankrate's comprehensive guide featuring the Travel Rewards Secured as a top pick for flat-rate travel rewards with no annual fee.
U.S. News positions this secured card as the best option for rebuilding credit while earning competitive travel rewards.
Forbes Advisor names this the best Bank of America secured card for travel rewards, highlighting the 1.5x earn rate and Preferred Rewards bonus potential.
Forbes breaks down the value of Bank of America points across redemption options, including the 1 cent per point baseline for travel statement credits.

| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
No. You cannot transfer points to another cardholder or person. You may be able to transfer rewards between your own eligible Bank of America accounts by calling customer service.
Preferred Rewards members earn 25% (Gold), 50% (Platinum), or 75% (Platinum Honors/Diamond) more points on every purchase. A card earning 1.5x would earn 2.625x at the Platinum Honors tier.
Flights, hotels, vacation rentals (including Airbnb), baggage fees, car rentals, and restaurant meals all qualify as travel/dining purchases.
Travel Rewards (no annual fee, 1.5x all), Premium Rewards ($95 AF, 2x travel/dining), Premium Rewards Elite ($550 AF with luxury travel benefits), Customized Cash Rewards (no AF, 5.25% in chosen category), and Unlimited Cash Rewards (no AF, simple cash back).
WalletHub's in-depth review covering earn rates, redemption options, and value analysis for the secured version of this travel rewards card.
Credit Karma's analysis of rewards value, annual fee economics, and Preferred Rewards bonus multipliers.
Motley Fool's assessment of whether this secured card delivers sufficient value for credit-building consumers seeking travel rewards.
NerdWallet evaluates the unsecured version's value proposition, with insights applicable to the secured variant's rewards structure.
Bankrate's comprehensive guide featuring the Travel Rewards Secured as a top pick for flat-rate travel rewards with no annual fee.
U.S. News positions this secured card as the best option for rebuilding credit while earning competitive travel rewards.
Forbes Advisor names this the best Bank of America secured card for travel rewards, highlighting the 1.5x earn rate and Preferred Rewards bonus potential.
Forbes breaks down the value of Bank of America points across redemption options, including the 1 cent per point baseline for travel statement credits.

| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |