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BofA Customized Cash Rewards Secured vs Citi Secured Mastercard

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: BofA Customized Cash Rewards Secured leads by 5.3 pts. Scores: BofA Customized Cash Rewards Secured 43.4%, Citi Secured Mastercard 38.1%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Customized Cash Rewards Secured nets $362/yr, Citi Secured Mastercard nets $0/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeSecured: 10.0 · Mastercard: 10.0
Rewards rateSecured: 5.0 · Mastercard: 0.0
Sign-up bonusSecured: 0.0 · Mastercard: 0.0
Intro 0% APRSecured: 0.0 · Mastercard: 0.0
Regular APRSecured: 4.4 · Mastercard: 5.7
Foreign transaction feeSecured: 3.0 · Mastercard: 3.0
Regulatory record (CFPB)Secured: 8.0 · Mastercard: 8.0

BofA Customized Cash Rewards Secured

IssuerBank of America
Typesecured
Annual fee$0 bankofamerica.com, 2026-10-12
Regular purchase APR27.49%–28.24% variable files.consumerfinance.gov, 2025-12-31
Rewards1% base; 2% groceries (to $10,000/yr); 3% choice of gas/online/dining/travel bankofamerica.com, 2026-10-12
Sign-up bonus (≈$)$0 Secured cards not eligible for a new-account bonus (issuer page) bankofamerica.com, 2026-10-12
Intro APRnone No intro APR shown bankofamerica.com, 2026-10-12
Foreign transaction fee3% files.consumerfinance.gov, 2025-12-31
Penalty APRup to 29.99% up to; per BofA agreement consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee4% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed≤619, 620–719 (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31

Citi Secured Mastercard

IssuerCiti
Typesecured
Annual fee$0 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31
Regular purchase APR25.99% variable files.consumerfinance.gov, 2025-12-31
Rewards0% base citi.com, 2026-10-12
Sign-up bonus (≈$)$0 No sign-up bonus citi.com, 2026-10-12
Intro APRnone No intro APR shown citi.com, 2026-10-12
Foreign transaction fee3% files.consumerfinance.gov, 2025-12-31
Penalty APRup to 29.99% up to; per Citi agreement pricing table consumerfinance.gov, 2026-06-30
Late feeup to $41 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededno credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period23 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.74% files.consumerfinance.gov, 2025-12-31

Downsides

BofA Customized Cash Rewards Secured43.4%
Bank of America · secured
Annual fee $0APR 27.49%–28.24% variableRewards 1% base; 2% groceries (to $10,000/yr); 3% choice of gas/online/dining/travelCredit ≤619, 620–719 (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.24% if you carry a balance · Penalty APR up to 29.99%
Citi Secured Mastercard38.1%
Citi · secured
Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)APR 25.99% variableRewards 0% baseCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · Penalty APR up to 29.99% · Late fee up to $41

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FAQ

Which is better, BofA Customized Cash Rewards Secured or Citi Secured Mastercard?

On VaultRubric's rubric: BofA Customized Cash Rewards Secured scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.