A secured card that earns 3% in a category you choose while you build credit.
Rates, fees and offers
- Regular APR
- 27.49% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See Bank of America terms
- Rewards
- 3% cash back in a category you choose, 2% at grocery stores and wholesale clubs (first $2,500 a quarter combined), 1% everything else. Refundable deposit.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Pay on time and keep the balance low. Many secured cards review you for an upgrade and a deposit refund after several months.
Paying and contacting Bank of America
- Pay online
- www.bankofamerica.com
- Customer service
- 1-800-421-2110 · 24/7
- Lost, stolen or fraud
- 800-732-9194
- Pay by mail
-
Bank of America
P.O. Box 15019
Wilmington, DE 19886-5019Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
- Billing disputes
- Bank of America
P.O. Box 672050
Dallas, TX 75267-2050
See all Bank of America cards → · Search all cards
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