Bank of America · Visa/Mastercard
BankAmericard Secured
No annual fee · no published rate on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Non-cash perks
- $0 Liability Guarantee and chip technology for added security
- Refundable security deposit required to open the account; exact minimum/maximum not independently confirmed for this specific card (sibling secured cards range $200-$5,000)
- Periodic account review for possible security-deposit return; graduation to an unsecured card is not guaranteed
- No penalty APR
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
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- Bank of America Business Advantage Customized Cash Rewards
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.bankofamerica.com · www.bankofamerica.com · www.bankofamerica.com. Spot an error? Tell us.