Minimum Credit Required
Best For Student Financing. This card is capable of meeting the needs of various types of college students, from those who wish to earn rewards on everyday expenses like gas and groceries to those who need help paying for big-ticket expenses like textbooks. The fact that it doesn’t charge an annual fee and actually pays you $150 just for spending $500 in the first 90 days you have it just makes things sweeter. The one thing you don’t want to do with this card is use it overseas, as it charges a 3% foreign transaction fee. So, if you plan on studying abroad or doing some international travel, you may want to consider a card from Capital One (none of its offers charge foreign fees).
Earn 1% cash back on every purchase, 2% on groceries and wholesale clubs, and 3% on gas. The 2% on groceries and wholesale clubs and 3% on gas applies to the first $2,500 in purchases from these combined categories, each quarter. After that, the base 1% earn rate applies to those purchases.
Enjoy a 10% cash reward bonus when you redeem your rewards directly into your Bank of America checking or savings account.
Online-exclusive $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
No expiration on rewards and no changing categories to follow.
Additional Info Details
$0 Liability Guarantee, which helps protect you from fraudulent card transactions.
ShopSafe® - add an extra layer of protection when you shop online
Overdraft Protection: An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your Bank of America® checking account to your credit card.
Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.