BankAmericard Cash Rewards™ Credit Card for Students

BankAmericard Cash Rewards™ Credit Card for Students is regarded among many financial experts as one of the best credit cards for students.

It has solid cash-back earning potential, especially for purchases like gas and groceries (a potential boon for students living away from home).

This card made it on our list of The Three Best Credit Cards For Young Adults and College Students.

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  • Rewards
    • Earn 3% cash back for every $1 spent on gas
    • Earn 2% cash back for every $1 spent on groceries
    • Earn 1% cash back for every $1 spent on all purchases
    • Grocery and gas rewards only up to $1500 per quarter, then it’s 1% cash back instead of 3% til the next quarter
    • Bank of America members get an extra 10% on points on every purchase
    • There is no limit to the amount of points you can earn
    • Points never expire
  • Signup Bonus $100 cash back rewards when you spend $500 in the first 3 months
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR 0% for 12 months
  • Regular Balance Transfer APR 12.99%-22.99% (Variable)
  • Cash Advance APR 15.99%-24.99% (Variable)
  • Penalty APR Up to $29.99 (Variable)
  • Late Fee Up to $38
  • Returned Payment Fee Up to $27

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Account Management

  • Account Alerts: Get alerts about account information on your phone.
  • Mobile Banking: Pay your credit card bill online, transfer funds, check available credit and more.
  • Text Banking: Send a text and get important account information.


  • Fraud Protection: You will not be held responsible for unauthorized use of your card.
  • Overdraft Protection: Link a Bank of America account to your card and prevent declined purchases and return checks if you take out too much money from your account.
  • ShopSafe®: Protection when you are shopping online.

Visa Benefits

  • This card comes with Visa benefits. You will be provided with a list of benefits available to you once you get approved for your card.

Visitor Reviews

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The Insider

Brendan Harkness
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The Best Western Rewards MasterCard provides 13 points for every dollar you spend with Best Western, along with a variety of extra perks and benefits.

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Review of the Upromise® World MasterCard®
Brendan Harkness | Sep 28, 2016

The Upromise World MasterCard offers up to 10% cash back at select retailers, and you can redeem your rewards directly to your college fund or student loan.

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Review of the Ultamate Rewards Credit Card and Ultamate Rewards MasterCard
Brendan Harkness | Sep 22, 2016

The Ultamate Rewards Credit Card and Ultamate Rewards MasterCard both offer 2 points per dollar at Ulta, along with member-only rewards and benefits.

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