BillSaver
Credit cards

BillSaver card review

Bank of America® Customized Cash Rewards Secured Credit Card

Secured card with cash back. Compare the cost, rewards, promotional APR, and credit profile before you apply.

Terms last checked August 5, 2026Issuer: Bank of AmericaNetwork: Visa
Bank of America® Customized Cash Rewards Secured Credit Card card art
BillSaver fitSecured card with cash back

Limited, poor, or rebuilding credit credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee
$0
Rewards
3% cash back in one choice category, 2% at grocery stores and wholesale clubs, and 1% on other purchases, with quarterly caps.
Welcome offer
No traditional welcome bonus.
Intro APR
No standard intro APR offer.
Regular APR
Variable APR; see issuer terms.
Balance transfer fee
Balance transfer fee applies.
Foreign transaction fee
3%
Credit profile
Limited, poor, or rebuilding credit

BillSaver's view

A secured card that still offers meaningful rewards if used carefully.

Where this card can miss

The deposit, category caps, and APR all need to fit the reader's budget.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.