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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-09 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xChoice category: gas/EV, online shopping, dining, travel, drug stores, or home improvement
- 2xGrocery stores and wholesale clubs
- 1xEverything else3% and 2% rates capped at $2,500 combined quarterly spend
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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