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BankAmericard® Secured Credit Card

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Not Affiliated

welcome offer

There is no welcome offer on this card.

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

No rewards on all purchases

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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. Unless you are a BOA bank account holder, then you can get approved even if you opened up to 6 cards in 12 months
  • 24 month rule: The Bank Americard Secured card may not be available to you if you currently have or have had the Bank Americard Secured card in the past 24 month period. Based on these terms, it seems that you "may" not be eligible for a new card until your previous card is closed for a full 24 months
  • Apply for two cards: If you apply for one Bank Of America card and get approved, it is recommended to apply for a second card since Bank Of America is very good about approving for two cards, even within the same day

  • 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 applications within 30 days will be combined
  • Check application status: You can check your application status  here
  • Reconsideration: If declined you can call 1-800-732-9194 to be reconsidered
  • Quickest way to get my card: You can request Bank of America to expedite your physical card by calling Bank of America customer service. Bank of America will in most cases not offer an instant credit card number for your new card.

Approval Monitor (submitted by HelpMeBuildCredit users)

100% Approved
740 Avg. Score of those approved
0% Denied
Approved 100% (1)
Denied 0% (0)

Credit limit range $300-$300

Avg. Credit limit$300

Approved 100% (1)
Denied 0% (0)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Welcome Offer Eligibility
The Bank Americard Secured card may not be available to you if you currently have or have had the Bank Americard Secured card in the past 24 month period. Based on these terms, it seems that you "may" not be eligible for a new card until your previous card is closed for a full 24 months.
Card Details And Benefits
Rewards

– No rewards on all purchases

Foreign Transaction Fee

3%

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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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