Bank of America® Unlimited Cash Rewards Secured
Build Credit While Earning 1.5% Unlimited Cash Back
Earn unlimited 1.5% cash back on all purchases while building credit with a $200-$5,000 refundable security deposit and $0 annual fee. Periodic account reviews may qualify you to graduate to an unsecured card.
- Annual Fee
- $0
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Network
- Visa Traditional
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Poor to Fair
Earning Rates
- 1.5%
All Other
Earning Scenarios
1.5% Unlimited Cash Back
Earn unlimited 1.5% cash back on all purchases automatically, with no caps or category restrictions.
Spend $500/month = $90 annual cash back with no effort.
Benefits & Perks
Annual Credits & Statement Credits
1 creditsPotential Graduation to Unsecured Card
Responsible account use may qualify you for graduation to an unsecured card with deposit return.
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Annual
Insurance & Protections
4 protectionsZero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Customizable Account Alerts
Receive email and text alerts for purchases, payments, and unusual account activity.
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 monitoring
Access your FICO Score updated monthly for free in Mobile Banking or Online Banking.
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) |
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesHow It Compares
Best secured card for flat-rate cash back with no category tracking. Unlimited 1.5% cash back beats most secured cards. $0 annual fee, but 3% foreign transaction fee and no welcome bonus. May graduate to unsecured with responsible use.
Media & Resources
Video Reviews
5 videosBank of America Cash Rewards, Best secured credit card for bad credit???
Bank of America® Unlimited Cash Rewards Card Review 2025 | Unlimited 1.5% Cash Back!
Bank of America Unlimited Cash Rewards Secured Credit Card Review: Watch Before Using
8 Reasons Why I DON'T LIKE Bank of America Credit Cards
Third-Party Articles & Reviews
Bank of America® Unlimited Cash Rewards Secured Credit Card
Official issuer product page with full card details, earn rates, security deposit requirements, fees, and application link.
Bank of America Unlimited Cash Rewards Secured Credit Card Reviews
WalletHub editor review with 4.4/5 rating and 115 user reviews. Detailed breakdown of fees (5/5), rewards (5/5), cost (4.6/5), and features (3/5). Includes FAQ section with deposit, CLI, and graduation details.
Bank Of America Unlimited Cash Rewards Secured Credit Card Review
Comprehensive Forbes Advisor review rating the card 4.7/5. Covers rewards structure, comparison to Discover it Secured and BankAmericard Secured, and analysis of the flat-rate cash back value for credit builders.
Bank of America Unlimited Cash Rewards credit card
Credit Karma overview with cardholder-reported data including average credit limits and approval odds. Community reviews and real user experiences with the card.
Bank of America Unlimited Cash Rewards Secured Credit Card Review: High Rewards, Tough Approval
LendingTree review covering the 2% first-year cash back rate, security deposit requirements, and comparison to other secured cards. Notes the card may be harder to get approved for than typical secured cards.
Best Secured Credit Cards to Build Credit in February 2026
Bankrate's roundup of best secured cards featuring the BofA Customized Cash Rewards Secured (sibling card). Useful context for how BofA's secured cards compare to Discover it Secured, Capital One Quicksilver Secured, and others.
Bank of America Unlimited Cash Rewards Secured Review
Business Insider review rating 3.88/5. Compares to BofA Customized Cash Rewards Secured, BankAmericard Secured, US Bank Cash+ Secured, and US Bank Altitude Go Secured. Details on earning, redemption, fees, and credit building.
Bank of America Unlimited Cash Rewards Credit Card review
Yahoo Finance review covering the straightforward 1.5% cash back earning rate, the 2% first-year bonus, and how it stacks up against other BofA cards and competing secured cards.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Bank of America | Bank of America | |
| Bank of America | Bank of America | |
| Bank of America | Bank of America | |
| Bank of America | Bank of America |