Bank of America® Unlimited Cash Rewards Secured Credit Card

Issued by Bank of America

Annual Fee $0
Regular APR 28.24% (V)
Open-loop card or Close-loop card

Additional Information

Balance Transfer Fee 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time0% for 15 months
Purchase Intro APR
Transfer Intro APR 0% for 15 months
Late Payment Fee
Returned Payment Fee
Cash Advance Rate
Cash Advance Fee
Foreign Transaction Fee
Smart Chip Yes, chip-and-PIN

Sign-up Bonus

None

Rewards

  • Rewards Rate: 1.5% Cash Back
  • Rewards Detail: Earn 1.5% cash back on all purchases.No limit to the amount of cash back you can earn and cash rewards do not expire.Redeem cash rewards as deposit into your eligible Bank of America® checking or savings account, Credit into your eligible Merrill® accounts, including 529 accounts or statement credit to your credit card.
  • Application Requirements

    Minimum Credit Score Bad
    Minimum Age 18 years old

    Credit Score

    Excellent Credit 18 years old
    Good Credit 700 — 749
    Fair Credit 640 — 699
    Bad Credit 300 — 639
    Limited Credit Less than 3 years of credit history

    How To Apply for Target Bank of America® Unlimited Cash Rewards Secured Credit Card

    1. Click the "Apply" button below!
    2. Fill out the application with your personal and financial information.
    3. Verify and submit your application.

    Apply Now

    Who Should Apply for Bank of America® Unlimited Cash Rewards Secured Credit Card

    Individuals who are looking to build or rebuild their credit history

    People who want to earn cash back rewards on their everyday purchases

    Those who may not qualify for a traditional unsecured credit card but are able to provide a security deposit for a secured credit card

    Anyone who prefers the convenience and security of using a credit card for their purchases

    Consumers who are seeking a card with no annual fee and a competitive cash back rewards program

    Where Can You Use for Bank of America® Unlimited Cash Rewards Secured Credit Card

    You can use the Bank of America® Unlimited Cash Rewards Secured Credit Card Credit Card at any merchant or retailer that accepts Visa credit cards

    This includes in

    store purchases, online shopping, and contactless payments

    You can also use the card for recurring payments such as utility bills or subscription services

    Additionally, the card can be used for cash advances at ATMs or financial institutions that accept Visa cards

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    What Type of Credit Card is Best?

    Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:

    Cut interest with a balance transfer card

    Get points/cash on a reward credit card

    And there are others too... our 'how do credit cards work' guide takes you through all the options.

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