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  BankAmericard Secured Credit Card

BankAmericard Secured Credit Card

in Personal Credit Cards from Bank of America

Unaffiliated

BankAmericard Secured Credit Card

Unaffiliated

in Personal Credit Cards from Bank of America

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 24.99%
Balance Transfer APR  (Variable APR) 24.99%
Credit Score Range 300 - 850

BankAmericard Secured Credit Card Review

BankAmericard Secured Credit Card is a secured credit card credit card issued by Bank of America. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for people who have bad credit. The minimum credit score to apply is 300. Bank of America is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

This card has a minimum credit limit of $300 to $4,900 (the credit limit matches the initial deposit amount).

If you're wondering whether BankAmericard Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a BankAmericard Secured Credit Card cash back or rewards program?

No, BankAmericard Secured Credit Card does not offer a rewards program.

BankAmericard Secured Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the BankAmericard Secured Credit Card benefits?

BankAmericard Secured Credit Card provides the following benefits:

  • Free Credit Score
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for BankAmericard Secured Credit Card?

BankAmericard Secured Credit Card has a variable purchase APR of 24.99%. The card has a variable balance transfer APR of 24.99% .

It also has a variable cash advance APR of 26.99% .

Does BankAmericard Secured Credit Card have an introductory APR offer?

No, BankAmericard Secured Credit Card does not come with an introductory APR offer for balance transfers. BankAmericard Secured Credit Card does not offer an introductory rate on new purchases.
BankAmericard Secured Credit Card Balance Transfers
Description
Balance Transfer APR 24.99%
Introductory Rate N/A
Intro APR period (months) N/A
BankAmericard Secured Credit Card Rates & Terms
Description
Balance Computation Average daily balance (including new purchases)
Purchase APR 24.99%
Credit Limit $300 to $4,900 (the credit limit matches the initial deposit amount)
Penalty APR N/A
Cash Advance APR 26.99%
Security Deposit N/A
Introductory Rate N/A
Intro APR period (months) N/A

What are the BankAmericard Secured Credit Card fees?

The following fees apply to BankAmericard Secured Credit Card:

BankAmericard Secured Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
Returned Payment Fee $28
Late Payment Fee $39

Does BankAmericard Secured Credit Card have a foreign transaction fee?

BankAmericard Secured Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does BankAmericard Secured Credit Card report your account activity to credit bureaus?

BankAmericard Secured Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for BankAmericard Secured Credit Card

  • Visit the BankAmericard Secured Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $0
No Annual Fee  
No Interest Grace Period for Late Payment 25
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $10
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount $39
Minimum Interest Charge $1.50
Returned Payment Fee $28
Bank Account Required  
Co-signing Allowed  
Customer Type Personal
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Credit Score Range 300 - 850
Card Network
  • Mastercard
Card Type
  • Bad Credit
  • Secured
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Travel Assistance
Emergency Support  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Cash Advance APR (Variable APR) 26.99%
Purchase APR (Variable APR) 24.99%
Balance Computation Average daily balance (including new purchases)
Credit Limit $300 to $4,900 (the credit limit matches the initial deposit amount)
Balance Transfer APR (Variable APR) 24.99%

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Purchase APR 16.99% - 24.99%
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