- Sign-Up Bonus
- 0
- Spending Multipliers
- 4
- Credits & Features
- 3
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 4
- Credits & Features
- 3
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Bank of America Customized Cash Rewards Secured credit card is a no annual fee rewards card designed for individuals looking to build or rebuild their credit while earning cash back on everyday spending. Ideal for students, young adults, or anyone new to credit, cardholders can choose a 3% cash back category—such as gas, online shopping, dining, streaming, or travel—and earn double points in that category during the first year. While there is a $2,500 combined quarterly cap on elevated rewards, a 1% catch-all rate on other purchases, no welcome bonus, and a 3% foreign transaction fee, the card’s flexibility and ability to select categories make it a practical choice for U.S.-based users seeking both credit-building opportunities and customizable cash back rewards.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Ability to get some BoA cards without a SSN or credit history
- BoA has a 2/3/4 role, meaning you can only be approved for 2 cards in 2 months, 3 cards in 12 months, and 4 cads in 24 months
- You cannot get this card if you currently have or have had it in the past 24 months
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- 27.49% Variable APR
- 29.24% APR for Cash Advance
- 5% of each cash advance transaction
- 27.49% APR for Balance Transfer
- 5% of each transfer amount