Bank of America® Customized Cash Rewards Secured Credit Card
Bank of America · VISA
The Bank of America® Customized Cash Rewards Secured Credit Card is a credit card from Bank of America on the VISA network. It has an annual fee of $0. It earns 6% on gas & fuel, 2% on groceries, 1% on everything else.
Key facts
- Annual fee
- $0
- Purchase APR
- 27.49% variable APR
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Gas & fuel | 6% | 6% on – for the first year: gas and EV charging stations |
| Groceries | 2% | 2% on grocery stores and wholesale clubs and unlimited |
| Everything else | 1% | 1% on all other purchases |
Benefits and perks
- Help build your credit while earning 6% cash back: Earn 3% cash back + 3% first-year cash back bonus in the category of your choice Automatic 2% cash back at grocery stores and wholesale clubs Unlimited 1% cash back on all other purchases Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- Security Deposit: We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
- Achieve more with BofA Rewards™: Enrich your experience as a Bank of America customer with the BofA Rewards™ program—starting with a rewards bonus on every credit card purchase. Visit BofA Rewards to learn more about eligibility and enrollment.
- Double your choice category cash back: Choose which category you want to earn 6% cash back in – for the first year: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Learn more cash back categories After the first year from account opening, you'll earn 3% cash back on purchases in your choice category. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or ma
- Learn more about credit: Access to credit education on topics like using credit cards responsibly, budgeting and more
- A minimum security deposit of $200 (maximum of $5,000) is required to open this account.: Your maximum credit limit will be determined by the amount of the security deposit you provide, your income and your ability to pay the credit line established.
Rates and fees
Annual membership fee: $0. Purchase APR: 27.49% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Bank of America® Customized Cash Rewards Secured Credit Card
What is the annual fee on the Bank of America® Customized Cash Rewards Secured Credit Card?
The Bank of America® Customized Cash Rewards Secured Credit Card has an annual fee of $0.
What rewards does the Bank of America® Customized Cash Rewards Secured Credit Card earn?
The Bank of America® Customized Cash Rewards Secured Credit Card earns 6% on gas & fuel, 2% on groceries, 1% on everything else.
Is the Bank of America® Customized Cash Rewards Secured Credit Card worth it?
The Bank of America® Customized Cash Rewards Secured Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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