Bank of America® Secured Travel Rewards Credit Card
No annual fee. Purchase APR 27.74%, variable.
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagebankofamerica.com
“27.74%”
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
“No annual fee † and no foreign transaction fees †”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $180 | $180 |
| Typical spender | $450 | $450 |
| Heavy spender | $990 | $990 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 90% of the 49 cards on our Secured list (see the list).
- Worth more to a typical spender than about 90% of the 49 cards on our Secured list (see the list).
- Lower top APR than about 40% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · BofA Rewards™
- 1.5× pointsEverything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagebankofamerica.com “27.74%” |
| Intro APR | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 “No annual fee † and no foreign transaction fees †” |
Carrying a balance? See how long it takes to pay off
Questions
- What is the annual fee?
- $0 Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 27.74% APR bankofamerica.com, since Oct 4, 2026
Other secured points cards with no annual fee
- United Bank Right Start EndeavorUnited Bank · No annual fee−$150 a year
- Visa Platinum, Visa Classic, Visa SecuredNuvista Federal Credit Union · No annual fee−$450 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).