Sarah Bilkins, WalletHub Credit Card Analyst
@sarah.bilkins
The Bank of America student credit card requirements include an excellent credit score (750+), enough income to afford the monthly bill payments, and the ability to meet the issuer’s identity verification requirements.
In addition, you need to be at least 18 years old and a U.S. citizen or a permanent resident. You must also consent to letting Bank of America obtain a copy of your credit report and your employment history. All Bank of America student credit cards have the same requirements.
Bank of America Student Credit Card Requirements
- Minimum age: You must be at least 18 years old to qualify.
- Income: Applicants must provide proof of independent income (from a part-time job, for example) sufficient to pay the bill every month.
- Residency requirements: You need to be a U.S. citizen or a permanent resident and have a U.S address (not a P.O. Box). A valid Social Security Number (SSN) is also required to apply online. You may get approved without an SSN if you apply in person. Just make sure to bring two forms of ID.
- Student requirements: Although Bank of America does not require proof of enrollment when applying for one of their student credit cards, you should have a valid Student ID and an active college e-mail address in case the issuer needs more info regarding your student status.
Bank of America currently offers 4 student credit cards with their own unique package of perks and benefits. The drawback is that you’ll start out with a high interest rate and a low credit limit. Bank of America does not charge an annual fee for any of its student cards.
Student credit cards are usually fairly easy to get, as they are targeted to students with limited or no credit. You’ll likely qualify for a student card when you wouldn’t normally be approved for a general credit card. And you’ll be well on your way to building a positive credit profile. However, if there are negative entries on your credit card such as delinquent payments or defaults on credit accounts, you’re not likely to be approved.
People also ask
What are the Bank of America credit score requirements?
The Bank of America credit score requirement is 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from Bank of America with limited credit history or a bad credit score, for example.
Credit Score Recommended by Bank of America Card
- Bank of America® Customized Cash Rewards Secured Credit Card: 300 (Bad credit)
- Bank of America® Unlimited Cash Rewards Secured Credit Card: 300 (Bad credit)...
How do I qualify for a student credit card?
To qualify for a student credit card, an applicant must be a student, at least 18 years old, and capable of affording monthly credit card payments. Proof of enrollment at a college or university may be needed, too, though specific documentation requirements vary by card issuer.
What's Needed to Qualify for a Student Credit Card?
Minimum age requirement of 18 years.
You must be at least 18 years old and a U.S....
read full answer by Chip Lupo, Credit Card WriterWhat is the best Bank of America student credit card?
The best Bank of America student credit card is the Bank of America® Customized Cash Rewards credit card for Students. It’s available to college students with excellent and offers bonus cash back rewards in everyday purchase categories. Cardholders get 2% cash back at grocery stores and wholesale clubs and 6% back in a category of their choice (3% cash back after the first-year bonus ends), up to $2,500 spent per quarter in those categories combined. All other purchases get 1% cash back.
The...
read full answer by Adam McCann, Financial WriterDid we answer your question?
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