VISAVisa Traditional

Bank of America® Travel Rewards Secured

Build credit while earning 1.5 points per $1 with $0 annual fee

The Bank of America Travel Rewards Secured card helps establish or rebuild your credit while earning unlimited 1.5 points per dollar on all purchases. With $0 annual fee, no foreign transaction fees, and a $200-$5,000 security deposit that may be returned based on responsible use, this secured card delivers real rewards without compromising your budget.

Annual Fee: $0

Terms checked against the issuer on October 10, 2026

Apply on Bank of America's site

At a Glance

Annual Fee: $0
Foreign Transaction Fee: $0
Network: Visa Traditional
Rewards Currency: Bank of America points
Point Valuation: 0.6–1 cpp (mid: 1)
Credit Required: Fair

Earning Rates

1.5X
All Other

Earning Scenarios

1.5 points per $1 on all purchases

Every purchase earns the same competitive rate—no rotating categories, no quarterly caps, no minimum spend thresholds. BofA Rewards members automatically earn 10%-75% more on every transaction.

Spend $1,000/month = 18,000 points/year = $180 in travel statement credits. Premier-tier BofA Rewards members earn $315 annually on the same spending.

Benefits & Perks

Insurance & Protections

5 protections

Security deposit may be refunded based on credit history
Bank of America reviews eligible accounts periodically to return your security deposit as credit improves.
Zero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
FICO® Score
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
Balance Connect overdraft protection
Link your Bank of America checking account to prevent overdraft fees through automatic transfers.

Details & Terms

Payment Terms

Purchase APR	27.74% (Variable)
Foreign Transaction Fee	$0

FAQs

Do Bank of America travel rewards points expire?

No, points don't expire as long as your Bank of America credit card account is open and active. Once you close a card, any unredeemed points on that card are lost.

Can I transfer Bank of America points to airline or hotel partners?

No. Bank of America points cannot be transferred to external loyalty programs. You can only redeem them for statement credits, cash back, or gift cards.

What is the minimum redemption for Bank of America points?

You need at least 2,500 points to redeem. That's worth $25 toward travel/dining statement credits or $15 as cash back.

Can I share or transfer points to another person?

No. You cannot transfer points to another cardholder or person. You may be able to transfer rewards between your own eligible Bank of America accounts by calling customer service.

How does Bank of America Preferred Rewards boost my earning rate?

Preferred Rewards members earn 25% (Gold), 50% (Platinum), or 75% (Platinum Honors/Diamond) more points on every purchase. A card earning 1.5x would earn 2.625x at the Platinum Honors tier.

What purchases qualify for travel/dining statement credit redemptions?

Flights, hotels, vacation rentals (including Airbnb), baggage fees, car rentals, and restaurant meals all qualify as travel/dining purchases.

What is the difference between Bank of America card families?

Travel Rewards (no annual fee, 1.5x all), Premium Rewards ($95 AF, 2x travel/dining), Premium Rewards Elite ($550 AF with luxury travel benefits), Customized Cash Rewards (no AF, 5.25% in chosen category), and Unlimited Cash Rewards (no AF, simple cash back).

Reviews & Analysis

Third-Party Rankings & Ratings

3 sources

Bankrate—

Credit Karma3.1/5

Forbes Advisor4.7/5

How It Compares

This secured card stands out by offering a competitive 1.5 points per dollar earn rate with no annual fee—most secured cards offer minimal rewards or charge fees. The $200 minimum security deposit is standard, and the potential for deposit return after demonstrating responsible use gives you a path to upgrade.

Media & Resources

Video Reviews

8 videos

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