Bank of AmericaChecked Oct 4, 2026

Bank of America® Unlimited Cash Rewards Secured 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.
Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR: Issuer's pagebankofamerica.com
“27.74%”
Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

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

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

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 50% of the 44 cards on our Cash back list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rates and fees for the Bank of America® Unlimited Cash Rewards Secured Credit Card, each with its source
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. Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR	Issuer's pagebankofamerica.com “27.74%” Checked Oct 4, 2026Open on bankofamerica.com Report a problem variable
Intro APR	Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Balance transfer fee	Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem

What is the annual fee?: $0 Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?: Yes: 3%. 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

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).