General
Bank of AmericaBank of America® Customized Cash Rewards Secured Credit Card
Building or strengthening credit while earning cash back
Welcome bonus
Earn 3% cash back + 3% first-year cash back bonus in the category of your choice
Rewards
Gas & TransitFirst $2,500 per year, then the base rate
6xShoppingFirst $2,500 per year, then the base rate
6xDining & Food DeliveryFirst $2,500 per year, then the base rate
6xTravelFirst $2,500 per year, then the base rate
6xGroceries & SupermarketsFirst $2,500 per year, then the base rate
2xGeneral
1xBenefits
- $0 Liability Guarantee for fraudulent transactions
- Balance Connect® for overdraft protection
- Digital Wallet Technology with Apple Pay®, Google Pay™ or Samsung Pay
- Access to Online and Mobile Banking
Pros
- No annual fee
- Earn 6% cash back in a category of your choice for the first year
- Automatic 2% cash back at grocery stores and wholesale clubs
- Unlimited 1% cash back on all other purchases
- Security deposit may be returned based on credit history
Cons
- High standard APR of 27.99% variable
- Secured card requires a minimum security deposit of $200
- No introductory APR offers