Bank of America® Customized Cash Rewards Secured

Bank of America® Customized Cash Rewards Secured Base Earning Rate

No annual fee. One base earning rate benefit, with what each is worth and the limits that apply.

Annual fee
No fee
Estimated value
$50/yr
Benefit
1

1% Cash Back Everything Else

1x points

Earn unlimited 1% cash back on all purchases not in your bonus categories, with no spending caps.

Pro Tips

  1. 1Since the 1% rate is unlimited, all spending exceeding your quarterly caps earns 1% cash back
  2. 2This base rate provides guaranteed rewards on all purchases across all merchants
  3. 3Combine with bonus category spending to build a solid cash back accumulation across all purchases

Value Analysis

Estimated Value
$50

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.