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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44
Bank of America Unlimited Cash 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
3%
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 fee3%
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
- Cashback rewards
- Other rewards
Services
- Access to Free Credit Scores
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Earn unlimited 2% cash back for the first year from account opening (1.5% thereafter); 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