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Credit Cards to Build Credit
Credit cards to help build or rebuild credit can create a successful financial future when handled responsibly.
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Bank of America® Customized Cash Rewards Secured
New Offer: Help build your credit while earning 6% cash back in the category of your choice – for the first year
Bank of America® Customized Cash Rewards secured credit cardNo annual fee†
Bank of America® Customized Cash Rewards secured credit cardTap to Pay
Bank of America® Customized Cash Rewards secured credit cardNo annual fee†
Bank of America® Customized Cash Rewards secured credit cardTap to Pay
3% cash back + 3% first-year cash back bonus in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs and unlimited 1% cash back on all other purchases.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
Choose which category you want to earn 6% cash back in – for the first year: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
- Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line. We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
- Build up your credit history – use this card responsibly and over time it could help you improve your credit score.
- Purchase Rate Variable APR that's currently 28.24% will apply.
- Secured cards are not eligible for a new account bonus, like a cash rewards bonus offer, and introductory APRs are not available. However, this offer is eligible for the first-year 3% bonus.
Bank of America® Unlimited Cash Rewards Secured
New offer: Help strengthen or build your credit while earning unlimited 2% cash back on purchases for the first year
Bank of America® Unlimited Cash Rewards secured credit cardNo annual fee†
Bank of America® Unlimited Cash Rewards secured credit cardTap to Pay
Bank of America® Unlimited Cash Rewards secured credit cardNo annual fee†
Bank of America® Unlimited Cash Rewards secured credit cardTap to Pay
- Earn unlimited 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn. Thereafter, you'll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
- Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line. We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
- Build up your credit history — use this card responsibly and over time it could help you improve your credit score
- Purchase Rate Variable APR that's currently 28.24% will apply.
- Secured cards are not eligible for a new account bonus, like a cash rewards bonus offer, and introductory APRs are not available. However, this offer is eligible for the first-year 0.5% bonus.
BankAmericard® Secured
Help establish, strengthen - or even rebuild your credit with a card that's simple and convenient
BankAmericard® secured credit cardNo annual fee†
BankAmericard® secured credit cardTap to Pay
BankAmericard® secured credit cardNo annual fee†
BankAmericard® secured credit cardTap to Pay
- Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line.
- We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
- Build up your credit history – use this card responsibly and over time it could help you improve your credit score.
- FICO® Score for free through Online or Mobile Banking, so you can view your credit score after using your card for a few months.
- Purchase Rate Variable APR that's currently 25.24% will apply.
- Secured card products are not eligible for a new account bonus offer, like a statement credit, and introductory APRs are not available.
Preferred Rewards makes your credit card even better
When you enroll in the Bank of America Preferred Rewards® program, you can earn a 25% — 75% rewards bonus on all eligible Bank of America® credit cards.
Plus, as a Preferred Rewards member, you enjoy real benefits and rewards on your everyday Bank of America® banking and Merrill investment accounts. And as your qualifying balances grow, so do your benefits.
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Understanding credit is key to your financial health
Selecting a credit card
Choosing a credit card can be overwhelming. We’ve compiled some important considerations to help you pick the best credit card for you.
Managing your credit card
Get the most out of your credit card. Find out how you can take advantage of all the opportunities that may be available to you as a cardholder.
Paying down your debt
By following a few simple steps, you can help ensure you’re headed in the right direction when it comes to managing your credit card debt.
Improving your credit
Better credit habits can lead to a better credit score. If you’re looking to improve your credit, check out some of our helpful tips.
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