Bank of America

Bank of America® Travel Rewards Secured Credit Card

Secured credit cards

A secured travel rewards credit card with no annual fee or foreign transaction fee. Earn unlimited 1.5 points per $1 on eligible net purchases and 3 points per $1 on eligible Travel Center bookings. Requires a $200–$5,000 security deposit and credit approval. Redeem points for qualifying travel/dining statement credits; deposit return is subject to periodic review.

Pros

  • No annual fee or foreign transaction fee.
  • Earn unlimited 1.5 points per $1 of eligible net purchases.
  • Redeem points toward qualifying travel or dining statement credits, subject to redemption terms.
  • Responsible account use may help build credit; account activity is reported to consumer reporting agencies.

Cons

  • $200–$5,000 deposit is held as collateral and does not replace monthly payments.
  • Current product page lists 27.74% variable purchase APR as of 3 November 2026; confirm current rates before applying.
  • ITIN or alternative-document eligibility has not been confirmed for this specific card.
  • Deposit return is reviewed periodically and is not guaranteed.

Generated from the provider's published terms and reviewed against official sources.

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: Travel Rewards Secured requires credit approval and a $200–$5,000 security deposit. The credit limit also depends on income and ability to repay. A deposit does not guarantee approval or a future upgrade. The issuer’s general online application FAQ requests an SSN and gross annual income; an ITIN or alternative-document route has not been confirmed for this specific card. Confirm the identity, residence and visa documents applicable to your application before applying. Collateral is held separately from monthly card payments.

Geographic restrictions: The reviewed offer permits residential addresses in all 50 U.S. states, Washington, D.C., APO/FPO/DPO, Guam, Puerto Rico, Northern Mariana Islands, American Samoa and U.S. Virgin Islands. Minimum age is 18, except permanent residents of Puerto Rico must be at least 21. No excluded U.S. state was identified. Overseas civilian addresses outside these eligible locations are not listed. The questionnaire does not fully represent territory or military-address routes; confirm directly with the issuer. No additional visa-category restriction was established. Source: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4079337&locale=en_US&productoffercode=5S

Product review: 03 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare secured credit cards requirements and costs · How we assess published requirements

Annual fee 0 (currency not confirmed)
Security deposit 200–5000 USD
Purchase APR Not confirmed
Foreign currency fee 0%
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Official terms

Checked 3 Nov 2026

Rewards

Not confirmed

What you need to apply

  • Eligible residential address in the U.S. · Minimum age: 18+
  • Credit approval required; paying the security deposit does not guarantee approval.
  • SSN: Not confirmed
  • ITIN / alternative ID: Not confirmed
Credit check

Hard inquiry — Hard inquiry inferred from issuer guidance.

How the security deposit works

  • Required deposit: 200–5000 USD
  • Funds remain unavailable for spending or withdrawal while pledged.
  • Deposit return / upgrade to an unsecured card is subject to review.

Remaining costs

No additional reviewed fees are currently listed.

Official sources
Verification notes

Last reviewed: 3 Nov 2026. Details are based on the provider’s published materials at that time.

Read official terms ↗

This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.

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