Bank of America® Travel Rewards Secured Review (2026)
What is the Bank of America® Travel Rewards Secured?
The travel-niche secured card. No foreign transaction fees, 1.5x points on everything, and a clear redemption path against travel statement credits. Worth a hard look if you travel internationally during a rebuild — most peers charge 3% per swipe.
Written by FairScoreGuide Editorial — Editorial Desk · Last updated
Issuer: Bank of America · credit cards · Editorial score: 7.8/10
Overview
The travel-niche secured card. No foreign transaction fees, 1.5x points on everything, and a clear redemption path against travel statement credits. Worth a hard look if you travel internationally during a rebuild — most peers charge 3% per swipe.
At a glance
- Editor rating
- 7.8/10Editor’s rating 7.8 out of 10
- Annual fee
- $0
- APR range
- ~28.24% variable
- Typical credit
- No score minimum — secured underwriting
Best for
- Rebuilders who travel internationally and want zero FX fees
- Existing Bank of America customers building toward Travel Rewards
Features
- 1.5x points on every purchase, redeemable for travel statement credits
- No foreign transaction fees
- $0 annual fee
- Reports to all three major credit bureaus
- Auto-review for unsecured graduation in the BofA lineup
Fees
| Annual fee | $0 |
|---|---|
| Minimum security deposit | $300 |
| Foreign transaction fee | None |
| Late payment fee | Up to $40 |
Pros
- No foreign transaction fees on a secured card — genuinely rare
- Flat 1.5x earn with travel-credit redemption
- Path to upgrade into BofA's broader Travel Rewards lineup
Cons
- $300 minimum deposit
- Travel-only redemption framing limits flexibility
Alternatives
Offer availability and terms can change. Confirm current APR, fees, and eligibility requirements on the issuer page before submitting an application.
Common questions
Is this review independent?
Yes. Ratings reflect editorial criteria described in our review methodology. We may earn a commission when you apply through partner links.
Will applying affect my credit?
Credit card applications typically involve a hard inquiry. Check for prequalification options on the issuer site when available.
How often is this page updated?
We refresh key facts when issuer disclosures change. See the published date signals on this page and our data sourcing notes for methodology.