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Bank of America® Unlimited Cash Rewards Credit Card for Students

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For students looking to establish credit, this no annual fee Bank of America card offers an unlimited 1.5% cash back for every purchase, lets you monitor one of your FICO scores, and encourages responsible habits.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 13.99%–23.99% Variable
Intro Balance Transfer APR: 0% for 15 billing cycles
Intro Purchase APR: 0% for 15 billing cycles

Bank of America® Unlimited Cash Rewards Credit Card for Students

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

Spending Rewards
  • 1.5% cash back on all purchases
Introductory Bonus
  • $200 bonus after spending $1,000 in the first 90 days

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 15 billing cycles
Regular Balance Transfer APR 13.99%–23.99% Variable
Balance Transfer Fee 3%, $10 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR Up to 29.99% Variable
Late Fee Up to $40
Returned Payment Fee Up to $29
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 16.99%–28.99% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Free Credit Score
SECURITY
  • Zero Liability on Unauthorized Charges
Bank of America® Unlimited Cash Rewards Credit Card for Students

Highlights

  • Unlimited 1.5% cash back on all purchases
  • $200 bonus after spending $1,000 in the first 90 days
  • 0% intro APR for purchases and balance transfers for 15 billing cycles
  • Free access to one of your FICO credit scores
  • No annual fee
ABOUT THE ISSUER

Bank of America

Bank of America has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-732-9194 or

Try a different phone number
See all Issuer Cards

The Bank of America Unlimited Cash Rewards Credit Card for Students offers terms and rewards you’d typically only find on a normal rewards card.

Along with a 0% intro APR for both purchases and balance transfers for 15 billing cycles, you’ll also get a decent welcome bonus and a competitive earning rate. That’s pretty alright for a student credit card!

Card benefits are pretty scarce. You may get some Visa Signature perks, but Bank of America only notes free access to one of your FICO scores.

The card has no annual fee.

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