Bank of America Customized Cash Rewards Secured Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Bank of America Customized Cash Rewards Secured Credit Card4.0/5

Bank of America

Annual fee
$0
Rewards rate
3%-1%
Welcome Bonus
The Bank of America Customized Cash Rewards Secured Credit Card does not offer a traditional cash sign-up bonus.
Regular APR:28.24% Variable APR

  • 3%Cash back in a choice category
  • 2%Cash back at grocery stores and wholesale clubs
  • 1%Cash back on all other purchases

Welcome Bonus:

The Bank of America Customized Cash Rewards Secured Credit Card does not offer a traditional cash sign-up bonus.

Reward Rate:

Earn 3% cash back in a choice category, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.

APR:

28.24% Variable APR

This card shines for its customizable cash back categories, allowing users to earn 3% in a category of their choice, making it a flexible option for those looking to maximize their rewards while building credit.

Pros:

  • No annual fee
  • Customizable cash back categories

Cons:

  • High APR
  • Requires a security deposit

The Bank of America Customized Cash Rewards Secured Credit Card is well-suited for individuals seeking to build or rebuild their credit while enjoying the benefits of customizable cash back rewards. With no annual fee and a flexible rewards structure, this card can appeal to those who want to manage their finances effectively while earning rewards on their everyday spending.

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