THE CARDTUNED DATABASE
Bank of America Customized Cash Rewards Secured Credit Card
Issuer: Bank of America · Network: Visa
6% cash back in the category of your choice for the first year (3% base + 3% first-year bonus); 2% grocery stores and wholesale clubs; 1% other purchases
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- Variable purchase APR; exact rate is disclosed in the application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Groceries & Wholesale clubs | 2% | grocery stores and wholesale clubs |
| Other purchases | 1% | other purchases |
Additional benefits
• 6% cash back in the category of your choice for the first year (3% base + 3% first-year bonus)
• Secured-card structure can support credit building with responsible use.
Restrictions to know
A refundable security deposit and credit approval are required. Credit limit, deposit return, graduation, rewards eligibility, and fees follow issuer terms. Returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards.
Who can apply
Subject to Bank of America approval; secured account requires an approved refundable security deposit plus identity and income verification.
Credit profile: Not Public / issuer underwriting applies