Bank of America® Travel Rewards Secured Credit Card
Basic Information
Program ID: bank-of-america-travel-rewards-secured-credit-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 17:40
Last Scraped: 01/15/2026 17:42
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater (maximum $100) |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: This card typically does not offer a sign-up bonus or welcome offer, as it is primarily designed for building or rebuilding credit.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.50%
Bonus Reward Rate: 1.50%
Bonus Categories: All purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 300 - 669
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: This card is designed for individuals looking to build or rebuild their credit. **Eligibility Requirements (2026):** * Must be at least 18 years old. * Must be a U.S. resident. * Must have a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). * Must be able to provide a security deposit (typically ranging from $200 to $5,000, which determines your credit limit). * Approval is subject to Bank of America's internal credit policies, which may consider your credit history (even if limited or poor) and relationship with the bank. **Application Rules (Bank of America's 2/3/4 Rule - 2026):** Bank of America enforces a strict rule regarding new credit card applications across all issuers, not just their own: * **2 cards in 2 months:** You will likely be denied for a new Bank of America card if you have opened 2 or more new credit card accounts (from any issuer) in the past 2 months. * **3 cards in 12 months:** You will likely be denied if you have opened 3 or more new credit card accounts (from any issuer) in the past 12 months. * **4 cards in 24 months:** You will likely be denied if you have opened 4 or more new credit card accounts (from any issuer) in the past 24 months. **Bonus Rule:** This secured credit card typically does not offer a sign-up bonus. Its primary purpose is credit building, offering 1.5 points per dollar on all purchases.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: N/A - No sign-up bonus for this secured card.
Shutdown Risk Triggers: Manufactured spending, unusual spending patterns inconsistent with typical consumer behavior, defaulting on other Bank of America products (e.g., loans, checking accounts), high cumulative credit limit across all Bank of America accounts relative to income, suspected fraudulent activity, rapid accumulation of credit across multiple issuers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Easy to get approved for those with limited or no credit history; Helps build credit effectively; Earns rewards on all purchases, which is rare for a secured card; Good stepping stone to unsecured cards.
Top Negative Feedback:
Requires a security deposit; Credit limit is tied to the deposit; APR can be high compared to some unsecured cards; Points value might be limited to BofA travel portal or statement credit.
Approval Experience Score: 90.0 / 100
Recommended Alternatives
- Bank of America® Customized Cash Rewards Secured Credit Card
- Discover it® Secured Credit Card
- Capital One Platinum Secured Credit Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $135.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 18 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 90.0%
Terms Version Control
Version ID: v1.0