Purchase APR
24.49–25.24%
Annual fee
None
Foreign fee
3%
SecuredTop-25 issuer≤619620–719
Carrying $3k for a year ≈ $749.70
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48
Bank of America Travel Rewards - Secured
Bank Of America, National Association
Secured cardTop-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719
Purchase APR
27.49–28.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered27.49%
Median27.99%
Highest offered28.24%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered27.74%
Median28.74%
Highest offered29.24%
Every fee on this card
Annual feeNone
Balance transfer fee4%
Cash advance fee5%
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Monthly Custom Pay Plan Fee$0
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Earn 1.5 points on purchases; eligible for Bank of America Preferred Rewards®
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-932-2775
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 27.99%$839.70
Annual / periodic fees$0
Total yearly cost$839.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
32 documents filed by Bank Of America, National Association in the 2026 Q1 archive.
- Air France KLM Visa Signature English111 KB
- Allways Rewards Visa English102 KB
- Atmos Rewards Ascent Visa Signature English103 KB
- Atmos Rewards Summit Visa Infinite English102 KB
- Bank of America Customized Cash Rewards English104 KB
- Bank of America Customized Cash Rewards Secured English112 KB
More from this issuer
Purchase APR
14.24–24.24%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $629.70
Purchase APR
16.74–22.74%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $532.20
Purchase APR
13.49–23.49%
Annual fee
None
Foreign fee
3%
0% purchases · 18 mo0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $667.20