For People with
No Credit
The BankAmericard Credit Card for Students is a decent student credit card. There are no spending rewards.
The main attraction is the 15-month 0% introductory APR period, for both purchases and balance transfers. You can use this intro period to pay off purchases or large balances over time, without accruing interest.
There’s no annual fee for this card. And foreign transactions have a 3% fee.
For People with
No Credit
Want to pay a bill or check your balance?
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
How balance transfers work
Borrowing cash on your credit 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.
How cash advances workCheck your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.
Check your FICO Score 8 whenever you’d like, based on your TransUnion credit report.
You won’t be held liable for fraudulent transactions.
Automatically detects fraudulent activity and provides notifications.
Link your card to a BofA checking account to help prevent declined purchases and returned checks.
Not the card for you? Try one of these:
Read more about this card.
Does your credit card offer return protection? If so, you can use it to get reimbursed for certain purchases that merchants won't accept for returns.
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Can you apply for a credit card with only an EIN? Absolutely — but that doesn't mean your personal credit won't play a role in the process.
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Charge cards are different from credit cards: They need to be paid off in full each month, but you may get a higher spending limit. See our favorites here.
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