Bank of America Unlimited Cash Rewards Credit Card vs Bank of America® Unlimited Cash Rewards Secured
Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card leads on everyday spending; the Bank of America® Unlimited Cash Rewards Secured on everyday spending.
Card data as of November 13, 2026.
Bank of America Unlimited Cash Rewards Credit CardBank of America · No annual fee
Bank of America® Unlimited Cash Rewards SecuredBank of America · No annual fee
Overview
- Annual fee
- Bank of America Unlimited Cash Rewards Credit Card$0Bank of America® Unlimited Cash Rewards Secured$0
- Welcome offerCurrent public offer
- Bank of America Unlimited Cash Rewards Credit Card$250 cash backBank of America® Unlimited Cash Rewards Secured—
- Rewards
- Bank of America Unlimited Cash Rewards Credit CardCash backBank of America® Unlimited Cash Rewards SecuredCash back
- Foreign transaction fee
- Bank of America Unlimited Cash Rewards Credit Card3%Bank of America® Unlimited Cash Rewards Secured—
- Network
- Bank of America Unlimited Cash Rewards Credit CardVisa SignatureBank of America® Unlimited Cash Rewards SecuredVisa
Earn ratesPer $1 spent
- Everything else
- Bank of America Unlimited Cash Rewards Credit Card1.5%Bank of America® Unlimited Cash Rewards Secured1.5%
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Unlimited Cash Rewards Credit Card
- 3% balance transfer fee
- 0% APR 15 months
Bank of America® Unlimited Cash Rewards Secured- Potential Graduation to Unsecured Card
Perks & access— means none on record
- Other perks
- Bank of America Unlimited Cash Rewards Credit Card
- No annual fee
Bank of America® Unlimited Cash Rewards Secured- Digital Wallet Support
- Overdraft Protection
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Bank of America Unlimited Cash Rewards Credit Card—Bank of America® Unlimited Cash Rewards Secured
- Zero Liability on unauthorized charges
- Other protections
- Bank of America Unlimited Cash Rewards Credit Card—Bank of America® Unlimited Cash Rewards Secured
- Customizable Account Alerts
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
Pros & cons
- Pros
- Bank of America Unlimited Cash Rewards Credit Card
- Unlimited 1.5% cash back on all purchases
- No annual fee
- $250 welcome bonus after $1,000 spend
- 0% intro APR for 15 months on purchases and balance transfers
- No category tracking required
Bank of America® Unlimited Cash Rewards Secured— - Cons
- Bank of America Unlimited Cash Rewards Credit Card
- 3% foreign transaction fee
- Flat 1.5% rate, no bonus categories
- Lower earning rate than category-specific cards in bonus areas
- No premium perks or travel benefits
Bank of America® Unlimited Cash Rewards Secured—
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Bank of America Unlimited Cash Rewards Credit Card | Bank of America® Unlimited Cash Rewards Secured | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $430 | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $180 | Close — depends on how much of the credits you use | Bank of America Unlimited Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $970 | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $720 | Close — depends on how much of the credits you use | Bank of America Unlimited Cash Rewards Credit Card |
The Bottom Line
Close — depends on how much of the credits you use
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Bank of America® Unlimited Cash Rewards Secured?
- Both cards earn 1.5X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Bank of America® Unlimited Cash Rewards Secured?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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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.