Chip Lupo, Credit Card Writer
@CLoop
The best Bank of America credit card for bad credit is the Bank of America® Customized Cash Rewards Secured Credit Card because it offers 1 - 3% cash back, depending on the type of purchase. This card also has a $0 annual fee. The Bank of America Custom Cash Secured Card requires a $200+ security deposit.
The credit limit is equal to the amount of the deposit, and the maximum deposit is $5,000. The security deposit is fully refundable after closing the account with no balance. Bank of America may even refund the deposit after 12+ months of on-time payments. Most other Bank of America credit cards require at least limited-to-excellent credit for approval. But there are some options for people with lower scores too.
Best Bank of America Credit Cards for Bad Credit
Bank of America currently does not offer unsecured credit cards for bad credit. But if you use your Bank of America secured card responsibly over time, you may be able to qualify for a credit card with more attractive terms. Responsible card use means establishing a history of on-time payments and not maxing out the card’s credit limit.

2023's Best Bank of America Credit Cards
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