Yes, you can get the Bank of America Travel Secured Card with no credit history. The card is designed for applicants with bad credit, so those with no credit history should qualify as well. On top of that, because it's a secured card, the deposit you put down acts as your credit limit and reduces the risk for the issuer, making approval even more likely.

Please keep in mind that approval for a credit card is never guaranteed. Bank of America will consider more than just your credit score and history when reviewing your application. For example, factors like your income and existing debt will also play a role.

Alternatives to the Bank of America Travel Secured Card

Secured cards are primarily designed for people with damaged credit, and they require you to back the credit limit with your own money. If you're simply new to credit, that's not quite the same situation as having bad credit, so you don't necessarily have to start with secured cards. There are cards specifically designed for people with no credit history that don't require a security deposit and often come with better perks and features than cards built for applicants with bad credit.

So, before applying for the Bank of America Travel Secured Card, it may be worth checking out our editors' picks for the best credit cards for no credit, to explore options better suited to your situation. If none of those turn out to be a fit, the secured card remains a solid fallback with good approval odds.

Yes, you can use the Bank of America Travel Secured Card anywhere that accepts cards on the Visa network. That means you can use the Bank of America Travel Secured Card at 10.7 million locations in the U.S., as well as with millions more merchants across 200 countries and territories.

The Bank of America Travel Secured Card has a $0 foreign transaction fee, which means you won't incur extra charges for international purchases. On top of that, the card has a $0 annual fee and offers 1.5 points per $1 on purchases,...

It is possible to graduate from the Bank of America Travel Secured Card to a better offer if you pay the bills on time, manage the rest of your finances responsibly, and maintain a good overall relationship with Bank of America. The bank periodically reviews your account to see if you qualify for graduation, but keep in mind that not everyone will be eligible.

If your secured card does graduate to unsecured, your credit line will no longer need to be backed by a security deposit. That means the deposit you originally paid will be refunded.

The Bank of America® Travel Rewards Secured Credit Card foreign transaction fee is $0. This means you won't be subject to an additional charge whenever you use the Bank of America® Travel Rewards Secured Credit Card outside of the United States. Whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant, you won't have to pay extra.

If you want to learn more, you can read our guide on foreign transaction fees. If you want to see what...

The Bank of America® Travel Rewards Secured Credit Card credit limit is at least $200. That's the minimum security deposit, and your spending limit equals the amount you put down.

The Bank of America Travel Secured Card credit limit that you start out with isn't necessarily permanent. Bank of America will allow you to increase your security deposit for a higher credit line. In some cases, they'll also graduate your secured card to an unsecured card if you use it responsibly. This could get you a higher credit limit, too.

To get a Bank of America Travel Secured Card credit limit increase, call customer service at (800) 732-9194 and request an increase. If approved, you'll be able to add more money to your security deposit from your bank account, which will raise your credit limit.

Keep in mind that there is a cap on how much you can deposit to secure a higher limit. If you've already reached the maximum allowed deposit, you won't be able to increase your limit...

No, your security deposit for the Bank of America Travel Secured Card does not earn interest. The deposit only serves as collateral in the event that you cannot repay your debt.

If you're looking for a secured credit card that allows you to earn interest on your deposit, consider the U.S. Bank Secured Visa® Card. Your deposit will be placed in a U.S. Bank Secured Savings Account, which is FDIC-insured and earns interest over time.

If your goal is to earn interest...

The Bank of America® Travel Rewards Secured Credit Card is available to people with bad credit. That means people with credit scores below 640 have a shot at getting approved for the Bank of America® Travel Rewards Secured Credit Card.

Secured cards are easier to get than unsecured cards because they require a deposit to open the account, which Bank of America will use as collateral to secure the account. The amount of your deposit will be your credit limit, in most cases. That said, though approval is...

You can check your Bank of America Travel Secured Card application status by calling 1 (866) 422-8089. When you call, listen to the automated menu and press the key to check your status, then verify your identity so Bank of America can match you to your application. You can also check your Bank of America Travel Secured Card application status online.

How to Check Your Bank of America Travel Secured Card Application Status

1. Call 1 (866) 422-8089.
2. Follow the prompts that lead to an application status check or connect with...

Yes, the Bank of America® Travel Rewards Secured Credit Card does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a 5-10 point decrease in your credit score, but it's easy to recover from this after a few months of responsible credit use. The hard inquiry allows Bank of America to determine your credit risk and ultimately decide whether you'll be approved for an account.

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