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Bank of America® Customized Cash Rewards Secured Credit Card
Help strengthen or build your credit while earning 6% cash back in the category of your choice – for the first year
Card Details
New offer: Help build your credit while earning 6% cash back
Earn 3% cash back + 3% first-year cash back bonus in the category of your choice
Automatic 2% cash back at grocery stores and wholesale clubs
Unlimited 1% cash back on all other purchases
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Double your choice category cash back
Choose which category you want to earn 6% cash back in – for the first year: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Learn more cash back categories
After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
A minimum security deposit of $200 (maximum of $5,000) is required to open this account.
Your maximum credit limit will be determined by the amount of the security deposit you provide, your income and your ability to pay the credit line established.
Security Deposit
We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
Learn more about credit
Access to credit education on topics like using credit cards responsibly, budgeting and more
Secured cards are not eligible for a new account bonus, like a cash rewards bonus offer, and introductory APRs are not available. However, this offer is eligible for the first-year 3% bonus.
Interest Rates & Fees Summary†
Introductory APR
None
Standard APR
28.24%
variable
Annual Fee
$0
Balance Transfer Fee
4%
of each transaction†
†Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.
Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.
Rewards
Choose which category you want to earn 6% cash back in – for the first year: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings
Automatic 2% cash back at grocery stores and wholesale clubs
Unlimited 1% cash back on all other purchases
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
There's no annual fee and your cash rewards don't expire as long as your account remains open. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same. Learn more Reward Categories
Enjoy the flexibility to choose how you redeem your cash rewards – options include:
- Redeem your cash rewards for any amount, anytime for statement credits, deposits made directly into a Bank of America® checking or savings account, or for credit to an eligible account with Merrill, or to pay for eligible purchases when you shop at Amazon.com or check out with PayPal.
- Redemptions for a contribution to a qualifying 529 account with Merrill or for a check start at $25.
- You may set up automatic redemptions into an eligible Bank of America® or Merrill® account. Automatic redemptions start at $25. Statement credits, checks and contributions into a qualifying 529 account are not eligible for automatic redemption enrollment.
Security & Features
Stay Protected
We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions. Footnote [1] Learn more at the Security Center Opens in a new window
Contactless Chip Technology
Simply tap to pay where you see the Contactless Symbol. You can make purchases quickly, easily and securely at millions of locations. Learn more about Contactless Chip Technology opens in a new window
Balance Connect® for overdraft protection
An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America® checking account to your credit card. No transfer fees. Other fees may apply. Footnote [2]
Paperless Statement Option
Opt for paperless credit card statements and increase account security while reducing paper consumption.
Digital Wallet Technology
Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay. Learn more about Digital Wallets Technology opens in a new window
Online & Mobile Banking
Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more. Footnote [3]
Account Alerts
Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid. Footnote [4]
FICO® Score
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Footnote [5] Learn More about Free FICO Credit Score opens in a new window
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