Bank of America® Unlimited Cash Rewards Secured Credit Card
Bank of America · VISA
The Bank of America® Unlimited 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 1.50% on everything else.
Key facts
- Annual fee
- $0
- Purchase APR
- 27.49% variable APR
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 1.50% | 1.5% on all purchases |
Benefits and perks
- Help build your credit while earning unlimited 1.5% cash back: Earn unlimited 1.5% cash back on all purchases No limit to the amount of cash back you can earn and cash rewards do not expire 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.
- No annual fee †: Enjoy no annual fee while earning unlimited cash back on all purchases
- 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.
- 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.
- Learn more about credit: Access to credit education on topics like using credit cards responsibly, budgeting and more
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® Unlimited Cash Rewards Secured Credit Card
What is the annual fee on the Bank of America® Unlimited Cash Rewards Secured Credit Card?
The Bank of America® Unlimited Cash Rewards Secured Credit Card has an annual fee of $0.
What rewards does the Bank of America® Unlimited Cash Rewards Secured Credit Card earn?
The Bank of America® Unlimited Cash Rewards Secured Credit Card earns 1.50% on everything else.
Is the Bank of America® Unlimited Cash Rewards Secured Credit Card worth it?
The Bank of America® Unlimited 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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