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Build Credit While Earning 1.5% Unlimited Cash Back
Earn unlimited 2% cash back on all purchases in year one (1.5% thereafter) while building credit with a $200-$5,000 refundable security deposit and $0 annual fee. Periodic account reviews may qualify you to graduate to an unsecured card.
$0
Annual Fee
2X
Top Rate
Annual Fee
$0
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Poor to Fair
Benefits & Perks
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Receive email and text alerts for purchases, payments, and unusual account activity.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Access your FICO Score updated monthly for free in Mobile Banking or Online Banking.
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 | 27.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
Reviews & Analysis
Build Credit While Earning 1.5% Unlimited Cash Back
Earn unlimited 2% cash back on all purchases in year one (1.5% thereafter) while building credit with a $200-$5,000 refundable security deposit and $0 annual fee. Periodic account reviews may qualify you to graduate to an unsecured card.
$0
Annual Fee
2X
Top Rate
Annual Fee
$0
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Poor to Fair
Benefits & Perks
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Receive email and text alerts for purchases, payments, and unusual account activity.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Access your FICO Score updated monthly for free in Mobile Banking or Online Banking.
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 | 27.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
Reviews & Analysis
Build Credit While Earning 1.5% Unlimited Cash Back
Earn unlimited 2% cash back on all purchases in year one (1.5% thereafter) while building credit with a $200-$5,000 refundable security deposit and $0 annual fee. Periodic account reviews may qualify you to graduate to an unsecured card.
$0
Annual Fee
2X
Top Rate
Annual Fee
$0
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Poor to Fair
Benefits & Perks
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Receive email and text alerts for purchases, payments, and unusual account activity.
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Access your FICO Score updated monthly for free in Mobile Banking or Online Banking.
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 | 27.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
Reviews & Analysis
Best secured card for flat-rate cash back with no category tracking. 2% first year / 1.5% ongoing beats most secured cards. $0 annual fee, but 3% foreign transaction fee and no welcome bonus. May graduate to unsecured with responsible use.
Comprehensive Forbes Advisor review rating the card 4.7/5. Covers rewards structure, comparison to Discover it Secured and BankAmericard Secured, and analysis of the flat-rate cash back value for credit builders.
Official issuer product page with full card details, earn rates, security deposit requirements, fees, and application link.
WalletHub editor review with 4.4/5 rating and 115 user reviews. Detailed breakdown of fees (5/5), rewards (5/5), cost (4.6/5), and features (3/5). Includes FAQ section with deposit, CLI, and graduation details.
LendingTree review covering the 2% first-year cash back rate, security deposit requirements, and comparison to other secured cards. Notes the card may be harder to get approved for than typical secured cards.
Credit Karma overview with cardholder-reported data including average credit limits and approval odds. Community reviews and real user experiences with the card.
Business Insider review rating 3.88/5. Compares to BofA Customized Cash Rewards Secured, BankAmericard Secured, US Bank Cash+ Secured, and US Bank Altitude Go Secured. Details on earning, redemption, fees, and credit building.
Bankrate's roundup of best secured cards featuring the BofA Customized Cash Rewards Secured (sibling card). Useful context for how BofA's secured cards compare to Discover it Secured, Capital One Quicksilver Secured, and others.
Yahoo Finance review covering the straightforward 1.5% cash back earning rate, the 2% first-year bonus, and how it stacks up against other BofA cards and competing secured cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Best secured card for flat-rate cash back with no category tracking. 2% first year / 1.5% ongoing beats most secured cards. $0 annual fee, but 3% foreign transaction fee and no welcome bonus. May graduate to unsecured with responsible use.
Comprehensive Forbes Advisor review rating the card 4.7/5. Covers rewards structure, comparison to Discover it Secured and BankAmericard Secured, and analysis of the flat-rate cash back value for credit builders.
Official issuer product page with full card details, earn rates, security deposit requirements, fees, and application link.
WalletHub editor review with 4.4/5 rating and 115 user reviews. Detailed breakdown of fees (5/5), rewards (5/5), cost (4.6/5), and features (3/5). Includes FAQ section with deposit, CLI, and graduation details.
LendingTree review covering the 2% first-year cash back rate, security deposit requirements, and comparison to other secured cards. Notes the card may be harder to get approved for than typical secured cards.
Credit Karma overview with cardholder-reported data including average credit limits and approval odds. Community reviews and real user experiences with the card.
Business Insider review rating 3.88/5. Compares to BofA Customized Cash Rewards Secured, BankAmericard Secured, US Bank Cash+ Secured, and US Bank Altitude Go Secured. Details on earning, redemption, fees, and credit building.
Bankrate's roundup of best secured cards featuring the BofA Customized Cash Rewards Secured (sibling card). Useful context for how BofA's secured cards compare to Discover it Secured, Capital One Quicksilver Secured, and others.
Yahoo Finance review covering the straightforward 1.5% cash back earning rate, the 2% first-year bonus, and how it stacks up against other BofA cards and competing secured cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Best secured card for flat-rate cash back with no category tracking. 2% first year / 1.5% ongoing beats most secured cards. $0 annual fee, but 3% foreign transaction fee and no welcome bonus. May graduate to unsecured with responsible use.
Comprehensive Forbes Advisor review rating the card 4.7/5. Covers rewards structure, comparison to Discover it Secured and BankAmericard Secured, and analysis of the flat-rate cash back value for credit builders.
Official issuer product page with full card details, earn rates, security deposit requirements, fees, and application link.
WalletHub editor review with 4.4/5 rating and 115 user reviews. Detailed breakdown of fees (5/5), rewards (5/5), cost (4.6/5), and features (3/5). Includes FAQ section with deposit, CLI, and graduation details.
LendingTree review covering the 2% first-year cash back rate, security deposit requirements, and comparison to other secured cards. Notes the card may be harder to get approved for than typical secured cards.
Credit Karma overview with cardholder-reported data including average credit limits and approval odds. Community reviews and real user experiences with the card.
Business Insider review rating 3.88/5. Compares to BofA Customized Cash Rewards Secured, BankAmericard Secured, US Bank Cash+ Secured, and US Bank Altitude Go Secured. Details on earning, redemption, fees, and credit building.
Bankrate's roundup of best secured cards featuring the BofA Customized Cash Rewards Secured (sibling card). Useful context for how BofA's secured cards compare to Discover it Secured, Capital One Quicksilver Secured, and others.
Yahoo Finance review covering the straightforward 1.5% cash back earning rate, the 2% first-year bonus, and how it stacks up against other BofA cards and competing secured cards.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
