Bank of America Travel Rewards Secured
No annual fee · 1.5x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1.5x | uncapped |
Non-cash perks
- Points redeemable as statement credit toward travel and dining purchases (flights, hotels, dining/restaurant takeout)
- Refundable security deposit required, starting at $200 (no maximum confirmed)
- Periodic account review for possible security-deposit return; graduation to an unsecured card is not guaranteed
Does the fee earn out? · how we got this
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.
Comparing cards in the same currency? See the best cards that earn Bank of America points →
More from Bank of America
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.creditminds.com. Spot an error? Tell us.