- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Bank of America BankAmericard Secured credit card is a no annual fee card designed for individuals looking to build or rebuild their credit, making it ideal for students, young adults, or anyone new to credit. While the card does not offer a welcome bonus, rewards, or spending multipliers, its simplicity and predictability make it a low-risk option for establishing a strong credit history. Cardholders benefit from no annual fee and responsible credit reporting, though a 3% foreign transaction fee applies for international purchases. This card is best suited for U.S.-based consumers who prioritize building credit with a straightforward, no-frills secured credit card without the distraction of rewards programs or complex features.
Pros
No annual fee
Cons
No welcome bonus
3% foreign transaction fee
No spending multipliers
Issuer
Spending Multipliers
Credits & Features
No known 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
- 25.99% Variable APR
- 29.24% APR for Cash Advance
- 5% of each cash advance transaction
- 25.99% APR for Balance Transfer
- 5% of each transfer amount