Bank of America® Travel Rewards vs Bank of America® Unlimited Cash Rewards Secured
Both cards cost $0/yr. The Bank of America® Travel Rewards leads on travel; the Bank of America® Unlimited Cash Rewards Secured on everyday spending.
Card data as of November 13, 2026.
Bank of America® Travel RewardsBank of America · No annual fee
Bank of America® Unlimited Cash Rewards SecuredBank of America · No annual fee
Overview
- Annual fee
- Bank of America® Travel Rewards$0Bank of America® Unlimited Cash Rewards Secured$0
- Welcome offerCurrent public offer
- Bank of America® Travel Rewards25,000 pointsBank of America® Unlimited Cash Rewards Secured—
- Rewards
- Bank of America® Travel RewardsBank of America pointsBank of America® Unlimited Cash Rewards SecuredCash back
- Foreign transaction fee
- Bank of America® Travel RewardsNoneBank of America® Unlimited Cash Rewards Secured—
- Network
- Bank of America® Travel RewardsVisa SignatureBank of America® Unlimited Cash Rewards SecuredVisa
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Everything else
- Bank of America® Travel Rewards1.5xBank of America® Unlimited Cash Rewards Secured1.5%
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America® Travel Rewards—Bank of America® Unlimited Cash Rewards Secured
- Potential Graduation to Unsecured Card
Perks & access— means none on record
- Other perks
- Bank of America® Travel Rewards
- No foreign transaction fees
- Optional overdraft protection service
- Tap-to-pay contactless card
- Apple Pay, Google Pay, Samsung Pay
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® Travel Rewards—Bank of America® Unlimited Cash Rewards Secured
- Zero Liability on unauthorized charges
- Other protections
- Bank of America® Travel Rewards
- FICO® Score
Bank of America® Unlimited Cash Rewards Secured- Customizable Account Alerts
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
Category-by-Category Winner
No unconditional category winner — 1 category depend on how you earn.
Travel
Depends: via issuer travel portal
Bank of America® Travel Rewards earns 3X when conditions are met; Bank of America® Unlimited Cash Rewards Secured earns 1.5X (1.5X without restrictions)
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® Travel Rewards | 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® Travel Rewards |
| 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® Travel Rewards |
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® Travel Rewards 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® Travel Rewards 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.
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.