$2,500 combined limit on 2% and 3% categories each quarter. Apply online. After 6 mo, it was unsecured, and raised to 1000$. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports. This easily makes BoA’s secured credit card one of the best on the market. Getting approved for a credit card requires a little planning. Bank of America is one of the largest retail banks in the United States and a major issuer of credit cards. 1-800-732-9194 or. 2% cash back on grocery store and wholesale club purchases. However, Bank of America will return any overage you use to secure your account. It’s certainly not the most competitive bonus out there, but it’s easy to earn and on par with other no-annual-fee credit card bonuses. Secured cards are secured by cash. Help. Try a different phone number. -1 Prior Inquiry -No relationship with Bank of America Save your time and avoid the Hard Pull - This was a real bank back when it was fleet. Learn if a secured credit card is the right approach to credit for you. What do you guys think? Fingers-crossed, because if they deny me again, recon is getting a "friendly" phone call from me, as this is one of the reasons why I don't bank with them anymore. The Bank of America Secured Credit Card deposit can be returned in 2 situations: when you close the account, or after BofA reviews your account and decides your account qualifies to operate without a deposit. Best for cash back: U.S. Bank Cash+™ Visa Signature® Card Here’s why: The U.S. Bank Cash+™ Visa Signature® Card will spoil you with cash back. Manage your Account & Pay your Bill . 4 Cards with other banks with a combined revolving limit of 120K with 1% utilization rate. 3% cash back . Bank of America Cash Rewards Secured/Unsecured I have the BofA Cash Rewards card that started out as a 500/99$ secured. For those with a good credit score of 670 or higher, most Bank of America credit cards are within reach. Looking for a credit card that offers not only top cash back rewards, but lets you customize where you earn your bonus rewards?. Bank of America Secured credit cards can help those with damaged credit rebuild their credit score. Shop for a new credit card that fits your business needs and apply online today. SunTrust Secured Credit Card with Cash Rewards. save. Our purpose is to help make financial lives better through the power of every connection. I was Denied because. share. It didn't tell me when I was approved and I am unable to call them at this time. Thank you for your time. After some time of faithful payments, some card companies return the security deposit and allow the consumer to have unsecured credit. Before you apply for a Bank of America credit card, check your credit score. The applicant sends a deposit in good faith, and then the lender usually puts the cash into a savings account and issues a credit card for the same amount. Bank of America. Other secured cards could also help you build credit with a lower secured deposit of $200. If you want a secured credit card to start building a credit history or improve your credit score, one option is the BankAmericard Secured credit card from Bank of America. The Bank of America Cash Rewards credit card for students is a solid choice for a cash back rewards card with no annual fee. Although the Bank of America Cash Rewards credit card is about $18.3 per year cheaper than the average credit card, by virtue of it not charging an annual fee, that’s neither uncommon for a cash back credit card, nor the only fee you’ll need to watch out for. Offering high cash back rewards for no annual fee – plus there’s a twist involved in where you can earn bonus cash back.. Here’s everything you need to know about these credit cards. The SunTrust Secured Credit Card with Cash Rewards not only offers unlimited 1% cash back on every purchase, but cardholders can also earn 2% back on up to $6,000 in gas and grocery purchases each year. The Bank Of America Cash Rewards Secured card will help you build credit. Here's what to know about the advantages, downsides and alternatives to using a credit card cash advance. 1% cash back on other purchases. BankAmericard® secured credit card holders can now call and upgrade their card to have BoA’s cash rewards program added. Bank of America® Cash Rewards Secured credit card 2021 Review, Application & Rates " The Bank of America® Cash Back Secured Credit Card is a new offer that is an excellent choice for anyone who needs to rebuild their credit score and wants to earn valuable cash back rewards in the process. I have a 815,820,805 Credit Scores. The Bank of America Cash Rewards Credit Card for Students gives cardholders a choice of six 3% cash back categories. Essentially I was approved for a Secured Version of the Cash Rewards Credit Card and I'm wondering if this will have a Zero Percent Intro APR like it Original Version. Okay, rant over. You can usually pay your bill online on your. Rewards: The BankAmericard Secured Credit Card does not offer a rewards program. Prior to getting this card, I have the Chase Freedom and the Blue Cash Everyday. A credit card cash advance can be a real life-saver, but fees and interest can be costly. Just got off the phone with Bank Of America. Read more What is a credit card cash advance? 1% cash back on all purchases; 2% cash back at grocery stores* **07/16//2015**: FICO EX = 638; FICO TU = 635; FICO EQ = 615. The Bank of America Cash Rewards credit card offers a modest $200 cash-back bonus after spending $1,000 on purchases within the first 90 days of account opening. The card is just over 1 year old. Seems they do not issue secured "Cash Rewards" cards and the only secured card they offer is the Silver BankAmericard with zero rewards because since I travel internationally more often then not for work I was requesting to change the rewards structure of my secured card to the travel rewards card which has no international transaction fee. Speak to Customer Service. How to Increase Your Chances of Getting Approved for a Bank of America Cash Rewards Card. Status is currently under review. Enjoy the flexibility to choose how you redeem your cash rewards. Most credit card offers require very good credit. The BankAmericard® Secured Credit Card offers free access to your monthly FICO® credit score and credit education tools, which make it a fine choice if you’re building credit — especially if you’re already a Bank of America customer. Credit card issuer's website. 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