Bank of America® Travel Rewards Secured Credit Card

Bank of America Visa Pending

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13

Benefits

1

Reward Categories

1.5x

Max Reward

26.2%

APR From
Basic Information
PENDING

Program ID: bank-of-america-travel-rewards-secured-credit-card

Issuer: Bank of America

Card Name: Bank of America® Travel Rewards Secured Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 17:40

Last Scraped: Feb 11, 2026 11:56

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Bank of America offers benefits under the Servicemembers Civil Relief Act (SCRA), which may include a 0% interest rate reduction on certain balances for eligible servicemembers and their dependents.

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Other Purchases 1.5x Points Earn points on all eligible purchases. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1.5x

Quarterly Rotating: No

Expiration Policy: Points do not expire.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 2,500 points ($25) for statement credit.

Benefits & Protections (Detailed) 13 Total
PENDING
Financial 2
No Annual Fee
$0 annual fee

Enjoy the benefits of the card without paying an annual fee.

Free FICO Score Access
Free FICO Score

Access your FICO Score for free within your online banking account or mobile app, helping you monitor your credit health and progress.

Rewards 5
Unlimited 1.5 Points per Dollar on All Purchases
1.5 points per $1

Earn an unlimited 1.5 points for every $1 spent on all purchases, everywhere, every time. Points can be redeemed for travel statement credits, cash back, or gift cards.

Points Never Expire
Points never expire

Your points do not expire as long as your account remains open.

Travel Statement Credit Redemption
Statement credit for travel purchases

Redeem points for a statement credit to offset travel purchases made with your card, including flights, hotels, vacation packages, cruises, rental cars, and more.

Cash Back Redemption
Cash back

Redeem points for cash back, which can be deposited directly into a Bank of America checking or savings account, or applied as a statement credit.

Gift Card Redemption
Gift cards

Redeem points for gift cards from a variety of popular merchants.

Security 5
Fraud Protection
Active fraud monitoring

Bank of America actively monitors for suspicious activity to help protect your account from unauthorized use.

Account Alerts
Customizable alerts

Receive customizable alerts via email or text for potential fraud, unusual activity, or when certain transactions occur, helping you stay informed about your account.

Digital Wallet Compatibility
Apple Pay, Google Pay, Samsung Pay

Add your card to digital wallets like Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient payments.

Chip Technology
EMV chip

Enhanced security with EMV chip technology for in-person transactions, making your card more difficult to counterfeit.

Zero Liability Guarantee
100% protection against unauthorized transactions

You're protected against unauthorized transactions, provided you notify Bank of America promptly. This means you won't be held responsible for fraudulent charges.

Travel 1
No Foreign Transaction Fees
0% foreign transaction fee

Avoid additional charges when making purchases outside of the United States.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $1.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance: Either $10 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 26.24% - 26.24%

Balance Transfer APR: 26.24%

Cash Advance APR: 29.24%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
300 - 669
Excellent
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Bank of America Travel Rewards Secured Credit Card requires applicants to be at least 18 years old, a U.S. resident, and possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). This card is primarily designed for individuals with limited or no credit history, or those looking to rebuild their credit. A security deposit, ranging from $200 to $5,000, is required, which determines the credit limit. As a secured card, it typically does not offer a sign-up bonus. Bank of America's general application velocity rules (the '2/3/4 Rule') are expected to apply for 2026: applicants should not have opened more than 2 new Bank of America cards in the past 2 months, 3 new cards in the past 12 months, or 4 new cards in the past 24 months. While there is no publicly stated hard limit on the total number of cards one can hold with Bank of America, excessive existing accounts may lead to denial for new applications due to overall credit exposure.

Max Cards Per Issuer: 10

Min Spend Interval: N/A - Secured card, no sign-up bonus requiring minimum spend.

Shutdown Risk Triggers: Manufactured spending, abuse of rewards programs, high cumulative credit limit across Bank of America accounts, suspicious account activity, fraud, repeated late payments, or opening and closing multiple accounts in a short period.

Cliff Effect Rules: N/A - As a secured card, it typically does not have complex card family rules or bonus eligibility restrictions tied to other Bank of America products.

Special Events: N/A - Not a store-branded credit card.

Holiday Promos: N/A - Not applicable to a standard secured credit card product.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Users highly value this card for effectively building or rebuilding credit, appreciating the absence of an annual fee and foreign transaction fees. The ability to earn travel rewards on a secured card is seen as a unique benefit, and the clear path to graduating to an unsecured card is a significant positive.

Top Negative:
Primary drawbacks include the requirement of a security deposit, which ties up funds, and the typically lower initial credit limits. Some users might find the 1.5x rewards rate standard rather than outstanding, and general Bank of America customer service experiences can sometimes be a point of contention.

Approval Experience: 90.0 / 100

Recommended Alternatives
  • Discover it® Secured Credit Card
  • Capital One Platinum Secured Credit Card
  • Bank of America® Unlimited Cash Rewards Secured Credit Card

Card Value Score: 75.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 95.0%

Version Control
PENDING

Version ID: v1.0