BankAmericard Secured Credit Card Review 2024: Is It Right for You?

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Fan"},"author":[{"@type":"Person","name":"Harlan Vaughn","sameAs":"https://www.businessinsider.com/author/harlan-vaughn"},{"@type":"Person","name":"Angela Fung","sameAs":"https://www.businessinsider.com/author/angela-fung"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"BankAmericard Secured Credit Card Review 2024: Is It Right for You?","alternativeHeadline":"BankAmericard Secured Credit Card Review 2024: Is It the Best Secured Card for You?","image":{"@type":"ImageObject","url":"https://i.insider.com/66fb6ddc7518aa57bc9f8a45?width=1200&format=jpeg","width":1200,"height":900},"name":"BankAmericard Secured Credit Card Review 2024: Is It the Best Secured Card for You?","datePublished":"2024-10-15T21:40:32Z","dateModified":"2024-10-15T21:40:32Z","description":"Our experts reviewed the BankAmericard Secured credit card's benefits, security features, and fees to help you decide if this card is right for you.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: BankAmericard® Secured Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card. The details for these products have not been reviewed or provided by the issuer.The BankAmericard® Secured Credit Card \n serves to establish or rebuild credit using a security deposit that you provide as your credit limit.Business Insider experts compared this product to the best secured credit cards and found it lacking in comparison because cardholders do not earn rewards, nor do they have the option of automatically upgrading to an unsecured card down the line. The BankAmericard® Secured Credit Card does not have an annual fee, which is a positive. Many secured cards charge you for the privilege of having them. But there's also no rewards program or welcome offer, a benefit competing secured cards increasingly feature. Bank of America is one of the largest banks, so having a positive payment history on this card that gets reported to the three main credit bureaus can boost your credit score. However, other secured card options offer periodic account reviews and upgrades to unsecured cards, while this card doesn't guarantee either benefit.This card's security deposit requirement is low, and the APR is on the higher side. Other secured cards offer rewards and a variety of credit limits, so shop around unless you're loyal to Bank of America: There are better secured credit cards available on the market. $026.24% variableNo Credit History, PoorThe BankAmericard® Secured Credit Card does not earn any rewards, nor does it come with a welcome offer, also known as a sign-up bonus. The BankAmericard® Secured Credit Card offers a low security deposit and high APR. But we should also point out what the card doesn't offer: an automatic path to an unsecured credit card. While Bank of America says it will \"periodically review your account\" to return your security deposit, the issuer doesn't provide a timeframe when you can expect those reviews, like Discover or Capital One. The issuer also makes no mention of a credit line increase, or potential to upgrade to an unsecured Bank of America card down the road. That's a huge missed opportunity for those hoping for an unsecured credit line or credit increase.The BankAmericard® Secured Credit Card will appear on your credit profile shortly after you open the card.All of your activities on this card will impact your payment history, credit mix, and credit utilization. If you don't already have a credit card, consistent positive updates could be just what you need to turn your credit around. Holding this card is also your chance to demonstrate that you can responsibly use your credit and make payments on time. You'll want to use 30% or less of your available credit, and 10% if you can help it, to maintain the best credit utilization ratio. For 10% credit usage, that would mean spending $20 or less on a $200 credit line at any given time. To start, you could put a subscription service or two on the BankAmericard® Secured Credit Card and set up autopay. That would be an easy way to send all the right credit signals: on-time payments, low utilization and regular usage. A nice feature is free access to your FICO credit score, updated monthly when you opt in. That'll help you keep track of your credit score, and can offer encouragement as your credit behaviors start to reflect on your score. The BankAmericard® Secured Credit Card works with digital payment technology including Apple Pay, Google Pay and Samsung Pay. This is the most secure way to pay, and it's contact-free — just tap your phone or watch on the payment terminal. If there's a fraudulent transaction made by someone else on your account, you're covered when you file a claim. If you have a checking account with Bank of America, you can link the BankAmericard® Secured Credit Card for overdraft protection. This is a handy benefit for Bank of America customers that prevents declined purchases or returned checks with no transfer fees. This card requires a security deposit minimum of $200 cash, up to a maximum of $5,000. Bank of America doesn't offer automatic credit line increases for this card. Instead, you'll need to put down a higher security deposit to increase your credit line. The BankAmericard® Secured Credit Card has an annual fee of $0 — no cost to hold this card.Although this card's APR isn't as high as that of other secured cards, it's still pretty high. Because of this, you'll want to pay your card in full every billing cycle to avoid interest and avoid dinging your credit.Having no annual fee is a plus, and so is gaining free access to your credit score on a monthly basis. However, these aren't revolutionary benefits any more. Credit lines for this card go up to $5,000 with a security deposit of the same amount, which is a considerable sum of cash to tie up. If you plan to deposit that much money to get a secured credit card, you should consider alternative cards that offer better returns, such as the Bank of America® Customized Cash Rewards Secured Credit Card \n , reviewed below.If you prefer a lower credit line, not earning any rewards won't be too meaningful. But if you want to put up a bigger security deposit, you can find other secured cards that will earn rewards and even include a welcome offer. Not having a clear path to credit line increases or another of Bank of America's unsecured cards is a big downside—but if you just want a card to build some positive credit history and don't care about that, this one will do the trick. If you're looking for a secured card to build your credit, but don't want to be drawn in by the allure of a rewards program, you can use the BankAmericard® Secured Credit Card to manage your spending without incurring an annual fee on the card.Because the BankAmericard® Secured Credit Card is a secured card, you'll want to pay extra attention to your credit utilization ratio by making sure you keep your balance low. For best success, you'll want to pay off the card in full whenever your balance starts to climb. The best way to do so is by charging a few small recurring charges, such as subscriptions on the card, and then paying off the full amount once the charges clear. Our experts reviewed online forums such as Reddit and FlyerTalk to see what everyday consumers had to say about the BankAmericard® Secured Credit Card.Many people reported instant approval, even with late payments in the past. A couple more noted it was easy to increase the credit line with a funds transfer or call to customer service, which is encouraging. There are other solid data points about 100-plus credit score increases, with one cardholder reporting that their score boost took place after only six months of having the BankAmericard® Secured Credit Card.However, other cardholders said their cash security deposits were never returned, although it's unclear what the specific situations were. That's why we always recommend keeping a close eye on your transaction activity so you can make sure getting the card actually helps you.As noted, the card is making good on its promise to build (or rebuild) credit—so that's extremely positive. And while Bank of America doesn't explicitly note any path to an unsecured card, a couple of users still reported success with getting an unsecured card.Most complaints are about not being able to get approved for this card. Even though the BankAmericard® Secured Credit Card is designed for building credit, if your payment defaults or other incidents are very recent, you might not be approved. At that point, you could try another card or see if starting a banking relationship with Bank of America could help. We compared the BankAmericard® Secured Credit Card to other secured cards to give you an idea of how it stacks up. You'll see that all three of the cards compared offer more benefits for cardholders than the BankAmericard® Secured Credit Card does.Bank of America has several other secured credit cards, including the Bank of America® Customized Cash Rewards Secured Credit Card. This $0-annual-fee card offers a rewards program and no foreign transaction fees, making it more beneficial for the cardholder than the BankAmericard® Secured Credit Card.Cardholders earn Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Earn 2% cash back when shopping at grocery stores and wholesale clubs. You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. Earn 1% cash back from all other purchases., and are eligible for an automatic upgrade after a period of healthy financial activity. The security deposit and other benefits are the same as the BankAmericard® Secured Credit Card, so there's no reason why you shouldn't choose this one instead, unless you absolutely don't want a rewards program to tempt you into overspending. Learn more about this card in our Bank of America Customized Cash Rewards Secured credit card review.The Discover it® Secured Credit Card only requires a $200 security deposit minimum, just like the BankAmericard® Secured Credit Card.This card also has a $0 annual fee, and earns rewards on select categories of spend: 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1%) and 1% cash back on all other purchases. Discover will also match all the rewards you earn during your first cardmember year, doubling your cash back — a common Discover card benefit for new cardholders.The Discover it® Secured Credit Card also comes with access to your FICO Score and $0 fraud liability, and Discover is known for its friendly customer service. Finally, Discover reviews your account after only seven months to see if you can upgrade to an unsecured card and get your security deposit back. If you want to start with an extremely low security deposit, the Capital One Platinum Secured Credit Card offers an option for credit lines of just $49, $99, or $200, once again with a $0 annual fee and no foreign transaction fees (rates and fees). Capital One offers the opportunity to get an unsecured card and consideration for a higher credit line after just six months. There are no rewards to earn on this card, so that's not a consideration here. But the lower cash deposit requirement may appeal to some applicants, while the lack of foreign transaction fees can be a boon for others. The application for the BankAmericard® Secured Credit Card is similar to that for other personal credit cards, except you'll need to fund your account with a security deposit upon opening—this establishes the credit line. Other than that, have your personal information ready, including your address, Social Security number and income information, and then: Because the BankAmericard® Secured Credit Card is a secured card, Bank of America will heavily focus on your credit history and current income when evaluating your application. Fill out the application form as honestly as possible, and be responsive if the bank requests any additional documentation. Having any prior bank relationship with Bank of America, such as a checking account or loan, may help your case. Finally, don't overextend your cash reserve in pursuit of a higher credit limit. While having a bigger credit line is better for your utilization ratio, you don't want to commit funds you need just to have a credit card. The BankAmericard® Secured Credit Card's primary benefits include building or rebuilding credit with responsible use. Cardholders also enjoy a relatively low APR for a secured card and no penalty APR.Despite a competitive APR and no penalty APR, the BankAmericard® Secured Credit Card ranks low against other secured credit cards because it doesn't earn rewards programs and charges foreign transaction fees. Even compared with other Bank of America secured cards, it's not the overall best in the lineup. The minimum security deposit for the BankAmericard Secured Credit Card is $200. This deposit serves as your credit limit and can be increased by depositing more funds, which is easy to do.While the BankAmericard® Secured Credit Card doesn't charge an annual fee and will give you free monthly access to your credit score, it doesn't earn rewards or come with a welcome offer and charges foreign transaction fees. Some cardholders may also find the credit limit restrictive if they cannot afford a higher security deposit.Use the BankAmericard® Secured Credit Card regularly and pay off the balance in full each month to avoid interest charges and keep your credit utilization rate low. Monitor your credit score using the tools provided and consider increasing your credit limit by adding to your security deposit as your financial situation improves. Business Insider's credit card experts reviewed the BankAmericard® Secured Credit Card against other secured credit cards by considering the following criteria:Security deposit — Is the credit limit on the card flexible enough to accommodate cardholders' financial needs? How much cash will the cardholder need to deposit with the card issuer in order to utilize this secured credit card? Upgrade potential — Can the cardholder earn their way to an unsecured card or a higher credit line after proving a history of responsible use? If so, how long will the cardholder have to wait to initiate the upgrade? Does the review take place automatically or does the cardholder need to initiate the request?Rewards — Does the card earn rewards on daily spending or specific bonus categories? Annual fee and other costs — Does this card cost anything to open and hold? Will the cardholder incur foreign transaction fees if they use it overseas? Read more about how we rate credit cards at Business Insider.","articleSection":"Personal Finance, Credit Cards","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"BankAmericard® Secured Credit Card","image":"https://i.insider.com/63ed4c9bdd6fcf00194a8f62?width=400","brand":"Bank of America","url":"https://www.businessinsider.com/personal-finance/credit-cards/bankamericard-secured-credit-card-review#63ed4de7f8ab1f0011ebb0ab","review":[{"@type":"Review","author":[{"@type":"Person","name":"Harlan Vaughn","sameAs":"https://www.businessinsider.com/author/harlan-vaughn"},{"@type":"Person","name":"Angela 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/credit-cards" class="" data-track-click="{"product_field":"Credit Cards","element_name":"breadcrumbs","event":"navigation"}" > Credit Cards </a> </span> </div> <h1 class="post-headline ">BankAmericard Secured Credit Card Review 2024: Is It the Best Secured Card for You?</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Harlan Vaughn" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/harlan-vaughn" >Harlan Vaughn</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/katherine-fan" >Katherine 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class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#bankamericard®-secured-credit-card-benefits" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > BankAmericard® Secured Credit Card 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > BankAmericard® Secured Credit Card Frequently Asked Questions </a> </li> <li> <a href="#why-you-should-trust-us:-how-we-reviewed-the-bankamericard®-secured-credit-card" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us: How We Reviewed the BankAmericard® Secured Credit Card </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</p><p class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: BankAmericard® Secured Credit Card, Bank of America® Customized Cash Rewards Secured Credit Card. The details for these products have not been reviewed or provided by the issuer.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>The BankAmericard® Secured Credit Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the BankAmericard® Secured Credit Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> serves to establish or rebuild credit using a security deposit that you provide as your credit limit.</p><p>Business Insider experts compared this product to the <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-secured-credit-cards" data-analytics-product-module="body_link" rel="">best secured credit cards</a> and found it lacking in comparison because cardholders do not earn rewards, nor do they have the option of automatically upgrading to an unsecured card down the line. </p><h2>BankAmericard® Secured Credit Card Overview</h2><p>The BankAmericard® Secured Credit Card does not have an annual fee, which is a positive. Many secured cards charge you for the privilege of having them. But there's also no rewards program or welcome offer, a benefit competing secured cards increasingly feature. </p><p>Bank of America is one of the largest banks, so having a positive payment history on this card that gets reported to the three main credit bureaus can boost your credit score. However, other secured card options offer periodic account reviews and upgrades to unsecured cards, while this card doesn't guarantee either benefit.</p><p>This card's security deposit requirement is low, and the APR is on the higher side. Other secured cards offer rewards and a variety of credit limits, so shop around unless you're loyal to Bank of America: There are better <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-secured-credit-cards#best-for-no-credit-check" data-analytics-product-module="body_link" rel="">secured credit cards</a> available on the market. </p> <div id="bankamericard®-secured-credit-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">BankAmericard® Secured Credit Card</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63ed4c9bdd6fcf00194a8f62?width=400" alt="Bank of America BankAmericard® Secured Credit Card"> <noscript> <img src="https://i.insider.com/63ed4c9bdd6fcf00194a8f62?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="63ed4de7f8ab1f0011ebb0ab-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.16868342368857636"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.16868342368857636)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.0027466481566191803"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.0027466481566191803)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.14068055879288677"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.14068055879288677)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5715728803351483"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5715728803351483)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.33440142088196034"> <stop stop-color="#faa809" offset="-100%"></stop> <stop stop-color="white" offset="-100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.33440142088196034)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">26.24% variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">No Credit History, Poor</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="63ed4de7f8ab1f0011ebb0ab" data-analytics-product-brand="Bank of America" data-analytics-product-name="BankAmericard® Secured Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Build credit with responsible use over time and you may qualify to have your security deposit returned</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No annual fee</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Minimum security deposit of $200</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Card doesn’t earn rewards and offers few benefits</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Foreign transaction fees</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">The information related to the BankAmericard® Secured Credit Card has been collected by Business Insider and has not been reviewed by the issuer.</li> <li class="financial-product-card__product-details__list-item">No annual fee</li> <li class="financial-product-card__product-details__list-item">Opt-in to receive your FICO® Score updated monthly for free</li> <li class="financial-product-card__product-details__list-item">Minimum security deposit of $200 (maximum of $5,000) required to open an account</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="63ed4de7f8ab1f0011ebb0ab" data-analytics-product-brand="Bank of America" data-analytics-product-name="BankAmericard® Secured Credit Card" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 data-toc-label="BankAmericard® Secured Credit Card Benefits" id="bankamericard®-secured-credit-card-benefits" class="toc-anchor">BankAmericard® Secured Credit Card Rewards</h2><p>The BankAmericard® Secured Credit Card does not earn any rewards, nor does it come with a welcome offer, also known as a sign-up bonus. </p><h2 data-toc-label="BankAmericard® Secured Credit Card Benefits">BankAmericard® Secured Credit Card Key Features and Benefits</h2><p>The BankAmericard® Secured Credit Card offers a low security deposit and high APR. But we should also point out what the card doesn't offer: an automatic path to an unsecured credit card. </p><p>While Bank of America says it will "periodically review your account" to return your security deposit, the issuer doesn't provide a timeframe when you can expect those reviews, like Discover or Capital One. The issuer also makes no mention of a credit line increase, or potential to upgrade to an unsecured Bank of America card down the road. That's a huge missed opportunity for those hoping for an unsecured credit line or credit increase.</p><h3>Security and Credit Building</h3><p>The BankAmericard® Secured Credit Card will appear on your credit profile shortly after you open the card.</p><p>All of your activities on this card will impact your payment history, credit mix, and credit utilization. If you don't already have a credit card, consistent positive updates could be just what you need to turn your credit around. </p><p>Holding this card is also your chance to demonstrate that you can responsibly use your credit and make payments on time. You'll want to use 30% or less of your available credit, and 10% if you can help it, to maintain the best <a href="https://www.businessinsider.com/personal-finance/credit-score/credit-utilization-ratio" data-analytics-product-module="body_link" rel="">credit utilization ratio</a>. For 10% credit usage, that would mean spending $20 or less on a $200 credit line at any given time. </p><p>To start, you could put a subscription service or two on the BankAmericard® Secured Credit Card and set up autopay. That would be an easy way to send all the right credit signals: on-time payments, low utilization and regular usage. </p><h3>Free FICO® Score</h3><p>A nice feature is free access to your FICO credit score, updated monthly when you opt in. That'll help you keep track of <a href="https://www.businessinsider.com/personal-finance/credit-score/how-is-credit-score-calculated" data-analytics-product-module="body_link" rel="">your credit score</a>, and can offer encouragement as your credit behaviors start to reflect on your score. </p><h3>Mobile Wallet</h3><p>The BankAmericard® Secured Credit Card works with digital payment technology including <a href="https://www.businessinsider.com/apple-pay" data-analytics-product-module="body_link" rel="">Apple Pay</a>, <a href="https://www.businessinsider.com/google-pay" data-analytics-product-module="body_link" rel="">Google Pay</a> and Samsung Pay. This is the most secure way to pay, and it's contact-free — just tap your phone or watch on the payment terminal. </p><h3>$0 Fraud Liability</h3><p>If there's a fraudulent transaction made by someone else on your account, you're covered when you file a claim. </p><h3>Checking Account Overdraft Protection</h3><p>If you have a checking account with Bank of America, you can link the BankAmericard® Secured Credit Card for <a href="https://www.businessinsider.com/personal-finance/banking/what-is-overdraft-protection" data-analytics-product-module="body_link" rel="">overdraft protection</a>. This is a handy benefit for Bank of America customers that prevents declined purchases or returned checks with no transfer fees. </p><h2>BankAmericard® Secured Credit Card Annual Fees and APR</h2><h3>Minimum and Maximum Deposit Requirements</h3><p>This card requires a security deposit minimum of $200 cash, up to a maximum of $5,000. </p><p>Bank of America doesn't offer automatic credit line increases for this card. Instead, you'll need to put down a higher security deposit to increase your credit line. </p><h3>Annual Fee</h3><p>The BankAmericard® Secured Credit Card has an annual fee of $0 — no cost to hold this card.</p><h3>APR Rates and Other Associated Fees</h3><p>Although this card's APR isn't as high as that of other secured cards, it's still pretty high. Because of this, you'll want to pay your card in full every billing cycle to avoid interest and avoid dinging your credit.</p><ul><li aria-level="1">Regular APR: 26.24% variable for purchases and balance transfers</li><li aria-level="1">Introductory APR: None</li><li aria-level="1">Balance transfer fee: 4%</li><li aria-level="1">Foreign transaction fee: 3% </li><li aria-level="1">Late payment penalty fee: Up to $40</li><li aria-level="1">Cash advance APR: 29.24%</li><li aria-level="1">Cash advance fee: 4% </li></ul><h2>BankAmericard® Secured Credit Card Pros and Cons</h2><h3>Advantages of the BankAmericard® Secured Credit Card</h3><p>Having no annual fee is a plus, and so is gaining free access to your credit score on a monthly basis. However, these aren't revolutionary benefits any more. </p><p>Credit lines for this card go up to $5,000 with a security deposit of the same amount, which is a considerable sum of cash to tie up. If you plan to deposit that much money to get a secured credit card, you should consider alternative cards that offer better returns, such as the Bank of America® Customized Cash Rewards Secured Credit Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Bank of America® Customized Cash Rewards Secured Credit Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> , reviewed below.</p><h3>Potential Drawbacks and Considerations of the BankAmericard® Secured Credit Card</h3><p>If you prefer a lower credit line, not earning any rewards won't be too meaningful. But if you want to put up a bigger security deposit, you can find other secured cards that will earn rewards and even include a welcome offer. </p><p>Not having a clear path to credit line increases or another of <a href="https://www.businessinsider.com/personal-finance/credit-cards/best-bank-of-america-credit-cards" data-analytics-product-module="body_link" rel="">Bank of America's unsecured cards</a> is a big downside—but if you just want a card to build some positive credit history and don't care about that, this one will do the trick. </p><h2>Who Should Get The BankAmericard® Secured Credit Card? Ideal Candidates</h2><p>If you're looking for a secured card to build your credit, but don't want to be drawn in by the allure of a rewards program, you can use the BankAmericard® Secured Credit Card to manage your spending without incurring an annual fee on the card.</p><h3>Best Usage Scenarios to Maximize Benefits</h3><p>Because the BankAmericard® Secured Credit Card is a secured card, you'll want to pay extra attention to your credit utilization ratio by making sure you keep your balance low. </p><p>For best success, you'll want to pay off the card in full whenever your balance starts to climb. The best way to do so is by charging a few small recurring charges, such as subscriptions on the card, and then paying off the full amount once the charges clear. </p><h2 data-toc-label=" BankAmericard® Secured Credit Card Customer Reviews" id="-bankamericard®-secured-credit-card-customer-reviews" class="toc-anchor">BankAmericard® Secured Credit Card  Reviews and Ratings</h2><p>Our experts reviewed online forums such as Reddit and FlyerTalk to see what everyday consumers had to say about the BankAmericard® Secured Credit Card.</p><p>Many people reported instant approval, even with late payments in the past. A couple more noted it was easy to increase the credit line with a funds transfer or call to customer service, which is encouraging. </p><p>There are other solid data points about 100-plus credit score increases, with one cardholder reporting that their score boost took place after only six months of having the BankAmericard® Secured Credit Card.</p><p>However, other cardholders said their cash security deposits were never returned, although it's unclear what the specific situations were. That's why we always recommend keeping a close eye on your transaction activity so you can make sure getting the card actually helps you.</p><h3>Common Praises and Complaints</h3><p>As noted, the card is making good on its promise to build (or rebuild) credit—so that's extremely positive. And while Bank of America doesn't explicitly note any path to an unsecured card, a couple of users still reported success with getting an unsecured card.</p><p>Most complaints are about not being able to get approved for this card. Even though the BankAmericard® Secured Credit Card is designed for building credit, if your payment defaults or other incidents are very recent, you might not be approved. At that point, you could try another card or see if starting a banking relationship with Bank of America could help.  </p><h2>BankAmericard® Secured Credit Card Comparison</h2><p>We compared the BankAmericard® Secured Credit Card to other secured cards to give you an idea of how it stacks up. You'll see that all three of the cards compared offer more benefits for cardholders than the BankAmericard® Secured Credit Card does.</p><h3>Bank of America® Customized Cash Rewards Secured Credit Card vs. BankAmericard® Secured Credit Card </h3><p>Bank of America has several other secured credit cards, including the Bank of America® Customized Cash Rewards Secured Credit Card. This $0-annual-fee card offers a rewards program and no foreign transaction fees, making it more beneficial for the cardholder than the BankAmericard® Secured Credit Card.</p><p>Cardholders earn Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Earn 2% cash back when shopping at grocery stores and wholesale clubs. You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%. Earn 1% cash back from all other purchases., and are eligible for an automatic upgrade after a period of healthy financial activity. </p><p>The security deposit and other benefits are the same as the BankAmericard® Secured Credit Card, so there's no reason why you shouldn't choose this one instead, unless you absolutely don't want a rewards program to tempt you into overspending. Learn more about this card in our <a href="https://www.businessinsider.com/personal-finance/credit-cards/bank-of-america-customized-cash-rewards-secured-credit-card-review" data-analytics-product-module="body_link" rel="">Bank of America Customized Cash Rewards Secured credit card review</a>.</p><h3><a href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-secured-credit-card-review" rel="">Discover it® Secured Credit Card</a> vs. BankAmericard® Secured Credit Card</h3><p>The <a href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-secured-credit-card-review" data-analytics-product-module="body_link" rel="">Discover it® Secured Credit Card</a> only requires a $200 security deposit minimum, just like the BankAmericard® Secured Credit Card.</p><p>This card also has a $0 annual fee, and earns rewards on select categories of spend: 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1%) and 1% cash back on all other purchases. Discover will also match all the rewards you earn during your first cardmember year, doubling your cash back — a common Discover card benefit for new cardholders.</p><p>The <a href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-secured-credit-card-review" data-analytics-product-module="body_link" rel="">Discover it® Secured Credit Card</a> also comes with access to your FICO Score and $0 fraud liability, and Discover is known for its friendly customer service. </p><p>Finally, Discover reviews your account after only seven months to see if you can upgrade to an unsecured card and get your security deposit back. </p><h3>Capital One Platinum Secured Credit Card vs. BankAmericard® Secured Credit Card</h3><p>If you want to start with an extremely low security deposit, the <a href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-platinum-secured-credit-card-review" data-analytics-product-module="body_link" rel="">Capital One Platinum Secured Credit Card</a> offers an option for credit lines of just $49, $99, or $200, once again with a $0 annual fee and no foreign transaction fees (<a href="https://affiliate.insider.com/?h=c931acbcc72672597903c8e0ec8412b8b292306b1a5c0d8e42ca634088e66652&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728884" data-analytics-product-module="body_link" rel="nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=c931acbcc72672597903c8e0ec8412b8b292306b1a5c0d8e42ca634088e66652&u=https%3A%2F%2Foc.brcclx.com%2Ft%3Flid%3D26728884">rates and fees</a>). Capital One offers the opportunity to get an unsecured card and consideration for a higher credit line after just six months. </p><p>There are no rewards to earn on this card, so that's not a consideration here. But the lower cash deposit requirement may appeal to some applicants, while the lack of foreign transaction fees can be a boon for others. </p><h2>BankAmericard® Secured Credit Card Application Process</h2><h3>Step-by-Step Guide to Applying for the BankAmericard® Secured Credit Card</h3><p>The application for the BankAmericard® Secured Credit Card is similar to that for other personal credit cards, except you'll need to fund your account with a security deposit upon opening—this establishes the credit line. </p><p>Other than that, have your personal information ready, including your address, Social Security number and income information, and then:  </p><ol><li aria-level="1"><strong>Enter your personal details —</strong> Fill out the application to the best of your knowledge. It's important to estimate your income as closely as possible.</li><li aria-level="1"><strong>Review the application —</strong> Make sure everything is complete and looks accurate.</li><li aria-level="1"><strong>Fund the account — </strong>This requirement is unique to secured cards, and protects your card issuer from risk in case you default on payments.</li><li aria-level="1"><strong>Get your decision — </strong>If you're approved, you should receive your card in the mail in about a week. If you're not instantly approved, you can reach out to Bank of America for more information or wait until you receive a letter in the mail explaining the decision—the bank is required to provide this within 30 days of application.  </li></ol><h3>BankAmericard® Secured Credit Card Approval Odds and Tips for a Successful Application</h3><p>Because the BankAmericard® Secured Credit Card is a secured card, Bank of America will heavily focus on your credit history and current income when evaluating your application. </p><p>Fill out the application form as honestly as possible, and be responsive if the bank requests any additional documentation. Having any prior bank relationship with Bank of America, such as a checking account or loan, may help your case. </p><p>Finally, don't overextend your cash reserve in pursuit of a higher credit limit. While having a bigger credit line is better for your utilization ratio, you don't want to commit funds you need just to have a credit card. </p><h2 data-toc-label="BankAmericard® Secured Credit Card Frequently Asked Questions" id="bankamericard®-secured-credit-card-frequently-asked-questions" class="toc-anchor">BankAmericard® Secured Credit Card Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the main benefits of the BankAmericard® Secured Credit Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">The BankAmericard® Secured Credit Card's primary benefits include building or rebuilding credit with responsible use. Cardholders also enjoy a relatively low APR for a secured card and no penalty APR.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How does the BankAmericard® Secured Credit Card compare to other secured credit cards? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">Despite a competitive APR and no penalty APR, the BankAmericard® Secured Credit Card ranks low against other secured credit cards because it doesn't earn rewards programs and charges foreign transaction fees. Even compared with other Bank of America secured cards, it's not the overall best in the lineup. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the minimum security deposit for the BankAmericard® Secured Credit Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">The minimum security deposit for the BankAmericard Secured Credit Card is $200. This deposit serves as your credit limit and can be increased by depositing more funds, which is easy to do.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there any downsides to the BankAmericard® Secured Credit Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">While the BankAmericard® Secured Credit Card doesn't charge an annual fee and will give you free monthly access to your credit score, it doesn't earn rewards or come with a welcome offer and charges foreign transaction fees. Some cardholders may also find the credit limit restrictive if they cannot afford a higher security deposit.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How can I maximize the benefits of the BankAmericard® Secured Credit Card? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-question faq-answer">Use the BankAmericard® Secured Credit Card regularly and pay off the balance in full each month to avoid interest charges and keep your credit utilization rate low. Monitor your credit score using the tools provided and consider increasing your credit limit by adding to your security deposit as your financial situation improves. </p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Us: How We Reviewed the BankAmericard® Secured Credit Card" id="why-you-should-trust-us:-how-we-reviewed-the-bankamericard®-secured-credit-card" class="toc-anchor">Why You Should Trust Us: How We Reviewed the BankAmericard® Secured Credit Card </h2><p>Business Insider's credit card experts reviewed the BankAmericard® Secured Credit Card against other secured credit cards by considering the following criteria:</p><p><strong>Security deposit —</strong> Is the credit limit on the card flexible enough to accommodate cardholders' financial needs? How much cash will the cardholder need to deposit with the card issuer in order to utilize this secured credit card? </p><p><strong>Upgrade potential —</strong> Can the cardholder earn their way to an unsecured card or a higher credit line after proving a history of responsible use? If so, how long will the cardholder have to wait to initiate the upgrade? Does the review take place automatically or does the cardholder need to initiate the request?</p><p><strong>Rewards —</strong> Does the card earn rewards on daily spending or specific bonus categories? </p><p><strong>Annual fee and other costs —</strong> Does this card cost anything to open and hold? Will the cardholder incur foreign transaction fees if they use it overseas? </p><p>Read more about <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" data-analytics-product-module="body_link" rel="">how we rate credit cards</a> at Business Insider. </p><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/bankamericard-secured-credit-card-review-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/harlan-vaughn" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="harlan-vaughn"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5fac9f167f8f4200182a66fc?crop=1:1&width=256&format=jpeg&auto=webp" alt="Harlan Vaughn"> <noscript> <img src="https://i.insider.com/5fac9f167f8f4200182a66fc?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/harlan-vaughn" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Harlan Vaughn</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Harlan Vaughn is a travel expert who has written about credit cards, points and miles, and loyalty programs since 2012. He was previously a writer and editor at Million Mile Secrets and covers all things personal finance on his own site, Out and Out.</span><span>When he’s not exploring the world for pennies on the dollar thanks to travel rewards, he’s out hiking, trying new craft beers, and enjoying live music. </span><span>Harlan is currently based in Dallas, Texas.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="angela-fung"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/662fb906ec0c696569feabc8?crop=1:1&width=256&format=jpeg&auto=webp" alt="Angela Fung's face on a gray background."> <noscript> <img src="https://i.insider.com/662fb906ec0c696569feabc8?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/angela-fung" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Angela Fung</div> </a> <div class="post-author_title headline-regular">Marketing Compliance Manager</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Angela Fung is the Compliance Manager for Business Insider's <a href="https://www.businessinsider.com/personal-finance" rel="">Personal Finance</a> division, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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