At first glance, it doesn’t look like Bank of America has products designed for those with bad credit. While there are basic checking accounts and savings tools, one of the best products is the Customized Cash Rewards Secured credit card. This card allows you to earn up to 3% cash back while strengthening or building your credit. You can use a refundable deposit of up to $4,900, along with your income and ability to pay to establish a credit line. Bank of America will review your account periodically and you may qualify for the return of your security deposit.