Bank of America® Travel Rewards Secured Credit Card

Bank of America® Travel Rewards Secured Credit Card

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Bank of America · VISA

The Bank of America® Travel 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 3x on travel, 1.5x on everything else.

Verified 7 Sept 2026

Key facts

Annual fee
$0
Purchase APR
27.49% variable APR
Network
VISA

Reward rates by category

Reward rates for the Bank of America® Travel Rewards Secured Credit Card by spending category
CategoryRateDetail
Travel3x3x on travel purchases booked through
Everything else1.5x1.5x on everyday purchases and no expiration on points as long as yo

Benefits and perks

  • Help build your credit while earning unlimited points: Earn unlimited 1.5 points for every $1 you spend on everyday purchases and no expiration on points as long as your account remains open.
  • 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.
  • 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.
  • Low Introductory APR Offer: % † Intro APR for your first billing cycles for purchases, and for any balance transfers made within the first days of opening your account. After the intro APR offer ends, a Variable APR that's currently 27.49% to 27.49% will apply. 3% † Intro balance transfer fee for the first days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 5%.
  • Learn more about credit: Access to credit education on topics like using credit cards responsibly, budgeting and more.
  • 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.

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® Travel Rewards Secured Credit Card

What is the annual fee on the Bank of America® Travel Rewards Secured Credit Card?

The Bank of America® Travel Rewards Secured Credit Card has an annual fee of $0.

What rewards does the Bank of America® Travel Rewards Secured Credit Card earn?

The Bank of America® Travel Rewards Secured Credit Card earns 3x on travel, 1.5x on everything else.

Is the Bank of America® Travel Rewards Secured Credit Card worth it?

The Bank of America® Travel 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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