Bank of America
Bank of America Secured Travel Rewards Credit Card
Estimated value every year on typical spending
$468/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Bank of America Secured Travel Rewards Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $468 a year on typical spending.
The fine print
- Intro APR
- Not applicable
- Regular APR
- 27.74% variable
- Foreign fee
- None
- Rewards paid as
- Bank of America points · ~1¢ each
- Approval
- Built for no / limited credit
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 1.5 points per $1 on everyday purchases and no expiration on points as long as your account remains open
Sign-up bonus
None
Best for
- Keeping costs at $0
Not ideal for
- Maximizers chasing category bonuses
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not applicable
- Regular APR
- 27.74% variable
- Balance transfer fee
- 5% of each transaction
- $1200/mo on everyday spending earns about $216/year (1.5x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Bank of America Secured Travel Rewards Credit Card: questions people ask
Is the Bank of America Secured Travel Rewards Credit Card worth it?
With no annual fee, the Bank of America Secured Travel Rewards Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $468 a year on typical spending.
What is the Bank of America Secured Travel Rewards Credit Card annual fee?
The Bank of America Secured Travel Rewards Credit Card has no annual fee ($0).
What does the Bank of America Secured Travel Rewards Credit Card earn?
1.5 points per $1 on everyday purchases and no expiration on points as long as your account remains open.
What credit score do you need for the Bank of America Secured Travel Rewards Credit Card?
The issuer doesn't say; we'd class it as: built for no / limited credit. Checking your matches on CardFit never runs a credit check.
Does the Bank of America Secured Travel Rewards Credit Card charge foreign transaction fees?
No. The Bank of America Secured Travel Rewards Credit Card has no foreign transaction fee.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Bank of America product page. Terms change often; confirm them with the issuer before you apply.