BankAmericard® Secured Credit Card Fees and rates
Annual Fee
Annual Percentage Rate (APR)
Transaction Fees
Penalty fee
Fee Benefits

No Overlimit Fee
No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.
For Example:
Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.

No Penalty APR
This credit card comes with a No Penalty APR. You won’t default to a higher APR if your payment arrives on or after day 60.

Overdraft Protection
Overdraft Protection. Are you worried that you may spend more than your limit on your credit card? If you sign up for overdraft protection, you’ll be fine. All you have to do is link your credit card to your checking account. The excess amount will be drawn from there, and your transaction will be approved.
Insurance Benefits

Extended Warranty Insurance
Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.

Price Protection
Imagine that thing you bought at full price goes on sale the next week. With this credit card’s Price Protection benefit you can get back the difference between the sales price and what you paid. You can only claim this benefit for the exact item: same model; same manufacturer; same everything.
For Example:
Let’s say you bought a round-trip ticket to Orlando for $750, but two weeks later, the airline has a sale. Everything is the same, except it now costs $500. If you had a price protection guarantee on your credit card, your credit card company would refund you $250. Contact your credit card company to find out specifics on how to get the money back.
Security Benefits

Emergency Cash Advance
Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.

Emergency Card Replacement
Emergency Card Replacement. Whether your card is lost, stolen or damaged, the credit card company can provide help as soon as next day. It doesn’t matter if you’re still on vacation, the credit card company will mail a replacement to you wherever you are. This will be done free of charge.

Free Credit Score
Bank of America® Credit Card With Free Credit Score.
This credit card may give your credit score every month. You don’t have to pay for it.

Identity Theft Protection
Identity Theft Protection. This monitors the internet to see if your personal information is being bought, sold or traded online. This covers your credit card information, driver’s license, social security number, or other sensitive or personally identifiable information.

Zero Liability
Zero Liability. If you didn’t buy it, don’t pay for it. You will not be held responsible for any unauthorized charges that appear on your account.
Service Benefits

Security Deposit Return
Security Deposit Return. If you had to put down a security deposit on your secured credit card account, you’ll get it all back. Your money will be returned when you pay your balance in full and close your account.
Credit Score Needed For BankAmericard® Secured Credit Card
Your best chance of being approved for this credit card involves having a credit score 561 - 650. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.