Bank of America Customized Cash Rewards Secured
By Alex Compton · Last verified
The full 3% choose-your-category structure, in a secured shell.
Welcome Bonus
None
No cash bonus: an extra 3% first-year bonus in your choice category (6% total) for the first year
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
None
required (building credit)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo cash bonus: an extra 3% first-year bonus in your choice category (6% total) for the first year | Bank of America Customized Cash Rewards Secured product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Old URL now shows BankAmericard Secured; card adds 3% first-year bonus in choice category (6% total); category list updated.
Fields: applyUrl, currentOffer.note, earningRates, benefits
Bank of America Customized Cash Rewards Secured product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xChoice category: gas and EV charging, online shopping, dining, travel, drug stores, or home improvement and furnishings6% in the first year with the first-year bonus
- 2xGrocery stores and wholesale clubs
- 1xEverything else3% and 2% rates capped at $2,500 combined quarterly spend
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Same earning structure as the unsecured Customized Cash, plus 6% in your choice category in year one
- ✦Deposit from $200 up to $5,000 sets your line
- ✦Periodic reviews for deposit return; not all customers qualify
- ✦Reports to all three credit bureaus
Why it earns its spot
- +3% in a category you pick is the top earn rate among secured cards
- +Deposit range up to $5,000 allows a meaningful credit line
- +No annual fee
Where it costs you
- −Quarterly cap on bonus categories
- −Graduation timing is not published
The Compound Verdict
Identical earning to the unsecured Customized Cash, which makes it the strongest category earner in the secured world. The wide deposit range also lets you build with a real credit line instead of a $200 toy limit.
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