BankAmericard® Credit Card for Students
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Highlights & Features
Balance Transfers
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.
| Intro Balance Transfer APR | 0% for 15 months |
| Regular Balance Transfer APR | 14.99%–24.99% Variable |
| Balance Transfer Fee | $0 for first 60 days, then 3%, $10 minimum |
Fees
| Penalty APR | None |
| Late Fee | Up to $38 |
| Returned Payment Fee | Up to $27 |
| Additional Cards Annual Fee | None |
| Foreign Transaction Fee | 3% |
Cash Advances
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.
- Cash Advance APR: 17.99%–26.99% Variable
- Cash Advance Fee: 3%, $10 minimum
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 websiteBankAmericard® Credit Card for Students
Highlights
- 15-month 0% intro APR for purchases and balance transfers
- Free FICO Credit Score, based on your TransUnion credit report
- $0 Liability and Fraud Protection
- 3% foreign transaction fee
- No annual fee
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.
