Bank of America · Visa/Mastercard
Bank of America Customized Cash Rewards Secured
No annual fee · 1% on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Category of your choice (you pick) | 3% | on the first $2,500/quarter |
| Groceries | 2% | on the first $2,500/quarter |
| Everything else | 1% | uncapped |
See how it ranks: best groceries cards.
Non-cash perks
- Refundable security deposit required, $200 minimum (no maximum confirmed)
- Periodic account review for possible security-deposit return; graduation to an unsecured card is not guaranteed
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.
More from Bank of America
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- Bank of America Alaska Airlines Visa Signature Business (Atmos Rewards) $70/yr
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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.bankrate.com. Spot an error? Tell us.