Who it's for
People rebuilding credit who want to maximize rewards by tailoring their bonus category to their spending habits.
Bank of America Customized Cash Rewards Secured Credit Card
A secured card with customizable 3% cash back category, 2% at grocery stores and wholesale clubs, and 1% on all other purchases.
Last checked on September 1, 2026. We may earn a commission when you click through.
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✓ Choose your own 3% cash back category
✓ 2% at grocery stores and wholesale clubs (first $2,500 quarterly)
✓ No annual fee
Bank of America Customized Cash Rewards Secured Credit Card
Visa · cashback
Our Verdict Recommended
BofA brings its popular Customized Cash Rewards earning structure to the secured card space. You choose your 3% category from options like gas, online shopping, dining, travel, or home improvement. The 2% on groceries is automatic. One of the best rewards structures available on any secured card.
What it really costs
| Annual fee | No annual fee |
|---|---|
| APR Range | 28.24% – 28.24% |
| Minimum credit score | 300 |
You'll be redirected to bankofamerica.com
The good and the not so good
- Choose your own 3% cash back category
- 2% at grocery stores and wholesale clubs (first $2,500 quarterly)
- No annual fee
- Path to upgrade to unsecured card with responsible use
- 28.24% variable APR
- Requires a security deposit of $200-$5,000
- 3% foreign transaction fee
You'll be redirected to bankofamerica.com
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