Improving your credit score may be a challenge, but the Bank of America Secured Visa Card can help you achieve your credit goals. There are many benefits to this particular credit card, but the most important one is that it is easy for those with bad credit to be approved. The other aspects of the card are good as well for a secured credit card.

Credit Check
This credit card does not conduct a credit check. That is huge for individuals with damaged credit because the idea of a credit check for these individuals is certainly depressing. The Bank of America Secured Visa Card does not require a credit check because the applicant provides his or her own credit in the way of a deposit. This deposit is basically a guarantee for the credit card.

Credit Limit
The credit limit on this credit card is up to $10,000. This means the applicant is allowed to deposit up to $10,000 to Bank of America to secure the credit card and to receive the $10,000 limit. The guarantee equal to the credit limit allows the cardholder the option of a high credit limit and the creditor has a reduced risk of default.

Credit Reporting
The Bank of America Secured Visa Card really helps individuals increase their credit score by handling their account responsibly. That is because the card reports to all three credit bureaus, which is a huge benefit for individuals trying to rebuild their credit.


Annual Fee
The annual fee of the Bank of America Secured Visa Card is only $29. That is very affordable and considerably lower than many other unsecured credit cards.

Online Application
It is easy to apply for this credit card right over the Internet. Simply click the “apply now” button and begin the process on a completely secure webpage. Your personal information will be encrypted and kept secure.

The Bank of America Secured Visa Card offers many benefits to cardholders and perhaps the best of those is the ability to rebuild one’s credit with this secured credit card.