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BankAmericard® Secured Credit Card

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welcome offer

There is no welcome offer on this card.

Bonus Value

Approximately $0*

Annual Fee

$0

Card Rewards

No rewards on all purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The only benefit from the Bank of America secured card is that once you submit the application and depending on your credit file Bank of America might even approve you for an unsecured credit card. The Bank Of America Secured card can mature to a non secured card after a periodic review (I’m not sure how long that takes).

Card-Smart Tips & Advice
  • Credit: Limited credit ok - newcomers welcome
  • Max cards: Bank of America will only approve you for 2 Bank of America personal cards within 2 months, 3 Bank of America personal cards within 12 months, and 4 Bank of America personal cards within 24 months
  • You cannot get approved for a personal Bank of America card if you have more than 5 Bank of America personal credit cards open
  • BOA 2/6 cards in 12 months rule: Bank of America will not approve you for their credit card if you opened more than 2 cards in the past 12 months, even if it’s from other issuers.  Except if your a BOA bank account holder, then, you can get approved even if you opened up to 6 cards in 12 months
  • Credit bureau: Bank Of America will usually pull your Experian credit report (If you freeze Experian then Bank Of America will pull your TransUnion credit report)
  • Combining same-day credit inquiries: Credit inquiries for all Personal BOA cards for same-day applications will be combined; also, Credit inquiries for all Business BOA cards for same-day applications will be combined
  • Check application status: You can check your application status  here
  • Reconsideration: The old reconsideration number stopped working. There is currently no  reconsideration phone line that I am aware of
Card Details And Benefits
Foreign Transaction Fee

3%

Compare Secured Cards

Annual fee Minimum Deposit Rewards Perks
Discover It Secured $0 $200  Earn 2% cashback on gas and restaurants on up to $1,000 spent each quarter. Unlimited 1% cash back everywhere else. Plus, all cashback earned the first year will be matched. No foreign transaction fees, free Fico score
Capital One Secured $0 $49, $99 or $200 (the final amount will be determined by Capital One after submitting your application) No rewards on any purchases No foreign transaction fees, auto rental collision waiver, purchase protection, extended warranty protection 
Bank of America Secured Card $0 $300 No rewards an any purchases Free Fico score
Citi Secured MasterCard  $0 $200 No rewards an all purchases Citi Identity theft solutions
TD Bank Secured $29 $300 Earn 1% cashback on all purchases Instant Credit Card replacement

Additional Resources 

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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