Bank of America Customized Cash Rewards Secured
The full 3% choose-your-category structure, in a secured shell.
Welcome Bonus
None
No welcome bonus, secured deposit required
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.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xChoice category: gas/EV, online shopping, dining, travel, drug stores, or home improvement
- 2xGrocery stores and wholesale clubs
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Same earning structure as the unsecured Customized Cash
- ✦Deposit from $200 up to $5,000 sets your line
- ✦Periodic reviews for graduation to the unsecured version
- ✦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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