Bank of America® Customized Cash Rewards Secured
Earn up to 6% cash back while building credit with $0 annual fee
Build or rebuild your credit while earning 3% cash back in a category you choose — plus a first-year 3% bonus for 6% total. Automatic 2% at grocery stores and wholesale clubs, and 1% on everything else. $0 annual fee with a refundable $200-$5,000 security deposit and free monthly FICO score access.
- Annual Fee
- $0
- Top Rate
- 3%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Traditional
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Fair
Earning Rates
- 3%
Dining
Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 3%
Drugstores
Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 3%
Gas Stations
Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 3%
Electric Vehicle Charging
EV charging row: same tier and same cap as gas, per the issuer's wording: "gas and EV charging stations" (TASK-0714).
Cap: $2,500/quarterly
- 3%
Home Improvement
Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 3%
Online Shopping
Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 3%
Streaming
Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 3%
Telecom
Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 3%
Cable Tv
3% cash back if online shopping, including cable, internet, phone plans and streaming, is the chosen category
Cap: $2,500/quarterly
- 3%
Travel
Choose which category you want to earn 3% cash back in: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 2%
Grocery Stores
Automatic 2% cash back at grocery stores and wholesale clubs. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 2%
Wholesale Clubs
Automatic 2% cash back at grocery stores and wholesale clubs. Earn 3% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter.
Cap: $2,500/quarterly
- 1%
All Other
Earning Scenarios
3% on Your Choice Category (6% Year 1)
Select one of 6 categories each month to earn 3% cash back — doubled to 6% during your first year. Gas, dining, online shopping, travel, drug stores, and home improvement are all available options.
Spend $500/month on gas as your choice category: earn $180/year in cash back (at 3%), or $360 in year one (at 6%)
2% at Grocery Stores and Wholesale Clubs
Automatic 2% cash back on groceries and wholesale club purchases. Combined with the 3% choice category, your first $2,500 per quarter earns bonus rates.
Spend $400/month on groceries: earn $96/year in cash back at 2%
1% on All Other Purchases
Every purchase earns at least 1% cash back with no caps or limits on the base rate. All purchases beyond the $2,500 quarterly cap also earn 1%.
Spend $1,000/month on miscellaneous purchases: earn $120/year at 1%
Benefits & Perks
Insurance & Protections
6 protectionsMonthly reporting to all 3 credit bureaus
Account activity reported monthly to Equifax, Experian, and TransUnion to build your credit history.
Monthly FICO score monitoring
Access your updated FICO score monthly free in Mobile or Online Banking with key factors and credit health tips.
24/7 fraud monitoring on all transactions
Active fraud monitoring detects suspicious activity with automatic alerts and FCUA fraud protection.
Overdraft protection with Balance Connect
Link a BofA checking account to prevent overdrafts with automatic transfers from your credit line.
Zero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Show all 6 protectionsShow fewer protections
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Dining Out
3% cash back at restaurants
if dining is your chosen category · On up to $2,500 a quarter in dining, then the base rate
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| B of A 1/24 | You'll be declined for Alaska Airlines and B of A Premium Rewards cards if you have opened or CLOSED that card in the previous 24 months |
| B of A 2/3/4 | Bank of America limits the number of personal cards issued by the bank that you can get within a certain time frame |
Payment Terms
| Purchase APR | 27.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesHow It Compares
A secured card that actually earns competitive rewards. Choose your 3% category each month from 6 options, earn 6% in year one, and get 2% at grocery stores — all while building credit with $0 annual fee. The $2,500 quarterly cap on bonus categories limits heavy spenders.
Media & Resources
Video Reviews
8 videosBank of America Cash Rewards Secured Credit Card Review | Best Secured Card?
NEW CREDIT CARD: Bank of America Cash Rewards SECURED Card Review - for building / rebuilding credit
Best Secured Credit Cards For Bad Credit 2025
Bank of America Secured Credit Card - Bank of America Cash Rewards
Bank of America Cash Rewards Secured Credit Card Review
Customized Cash Rewards Secured Credit Card: My Honest Review & User Experience
Bank of America Customized Cash Rewards Secured Card Review: Features, Strengths & Weaknesses
Third-Party Articles & Reviews
Bank of America Customized Cash Rewards Secured review: Earn cash back while building credit
Comprehensive review covering rewards structure, credit-building features, pros/cons, and comparison to Discover it Secured and Capital One Platinum Secured.
Bank of America® Customized Cash Rewards Secured Credit Card
Official Bank of America product page with current rates, rewards details, and application.
Best secured credit cards for February 2026
Yahoo Finance names BofA Customized Cash Rewards Secured as 'Best for adjustable cash back' in their best secured credit cards roundup.
Bank of America Customized Cash Rewards Secured Credit Card Reviews
WalletHub's detailed card page with 4.3/5 rating, Q&A section covering credit limit increases, graduation, and deposit refunds.
Bank of America Customized Cash Rewards credit card Review
Credit Karma's review covering the 3-2-1 rewards structure and first-year 3% bonus bringing total to 6% in choice category.
Bank of America Customized Cash Rewards Secured Credit Card: A No-Annual-Fee Way to Build Credit
LendingTree review highlighting cash back rewards, $5,000 max credit limit, and comparison to Discover it Secured and Chase Freedom Rise.
Bank Of America Customized Cash Rewards Secured Card
Credit-building focused review detailing the 6% first-year bonus and category options for the secured card.
My Frustrating Experience with a Bank of America Secured Credit Card
Reddit user discusses experience with BofA secured card including payment history, utilization management, and frustrations with the graduation process.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Earn rates | |
| Bank of America | Bank of America |
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