BankAmericard® Secured

The BankAmericard® Secured is built for people rebuilding credit, not for chasing rewards or travel perks. It works best as a simple starter card for small, regular purchases that you can pay off in full each month while establishing a stronger credit history.

Annual Fee

Rec. Credit Score

Rebuilding

Good For

Credit rebuilding

How to Apply

All information about BankAmericard® Secured has been collected independently by MaxRewards. BankAmericard® Secured is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the BankAmericard® Secured worth it?

This card is great for...

Building payment history

Small everyday purchases

No annual fee credit access

This card is worth considering if your main goal is rebuilding credit and you want a straightforward card with no annual fee. In that role, its value is simple: use it lightly, pay on time, keep your balance low, and let it help you build a stronger credit profile over time.

It is not a card to keep for rewards, long-term perks, or carrying a balance. There is no welcome bonus, no ongoing rewards, and no listed benefits to help offset interest costs or add extra value. If you already qualify for an unsecured card with rewards, that will likely be a better everyday option.

MaxRewards Verdict

The BankAmericard® Secured fits cardholders who need a basic tool for rebuilding credit and do not want to pay an annual fee. Its main limitation is that it offers almost nothing beyond that core job.

Eligibility

Recommended Minimum Credit

Min: Poor

Poor

Fair

Good

Excellent

Poor credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing