Bank of America® Customized Cash Rewards Secured Credit Card
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The Bank of America® Customized Cash Rewards Secured Credit Card is a secured card designed for those with either limited credit history or poor credit. You will need to put down a deposit of at least $200 to qualify, and your deposit equals your credit limit. You earn cash back rewards, though: up to 3%, which is unusual in a secured card, although rewards are limited by a cap. There are not a lot of benefits, and no welcome bonus, but this is a decent card if you’re rebuilding your credit. We dive into the details in this Customized Cash Secured review.

Our Rating
3.8/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
1% – 3% cash back
0% Intro on Balance Transfers
None
>>Check Out This and Other Cash Back Credit Cards Here
Editorial Review
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Free credit score access, 24/7 customer service |
Travel Perks |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee. |
Regular APR | 28.24% (V) APR |
Pros & Cons
- No annual fee
- Reports to all three credit bureaus
- Up to 3% cash back
- No welcome bonus
- No rewards
- High APR
What Are the Best Alternatives?

Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0

Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0

Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$0 intro annual fee for the first year, then $95.