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Best Bank of America Student Credit Cards
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Using a Bank of America student credit card is a great way to save money and begin building credit during college. There are several Bank of America student credit card offers to choose from, and none of them charge annual fees.… show more… show more Â
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Best Bank of America Student Credit Cards
Bank of America’s credit cards for students are very good, but limiting yourself to offers from a single issuer never is the best idea. You don’t know what else is out there until you look. And WalletHub’s editors’ picks for the best overall student credit cards are a great place to start.Â
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Bank of America® Unlimited Cash Rewards credit card for Students Bank of America® Unlimited Cash Rewards credit card for Students

- Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
- Earn 1.5% cash back on all purchases.
- No limit to the amount of cash back you can earn and cash rewards do not expire.
- Redeem cash rewards as deposit into your eligible Bank of America® checking or savings account, Credit into your eligible Merrill® accounts, including 529 accounts or statement credit to your credit card.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- $200 initial rewards bonus
- Balance transfer fee
- Foreign fee
- 0% Introductory APR for 15 months on balance transfers made within 60 days of account opening.
- Easily manage your bank accounts and finances online with Online Banking and Mobile Banking App that help students stay in control of their finances and make payments.
- $0 Liability Guarantee, Paperless Statement Option & Overdraft Protection.
- See More Details & Reviews About TheBank of America® Unlimited Cash Rewards credit card for Students
Bank of America® Customized Cash Rewards Credit Card for Students Bank of America® Customized Cash Rewards Credit Card for Students

- Online offer: $200 cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
- Earn 3% cash back in the category of your choice (gas, online shopping, drug stores, home improvement & furnishings, dining or travel) and automatic 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
- Earn unlimited 1% cash back on all other purchases.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Rewards are automatic and do not expire. Go to Online Banking or the Mobile Banking app to change your choice category for future purchases, or it stays the same.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- 0% Introductory APR for 15 months on balance transfers made within 60 days of account opening.
- Security Benefits: $0 Liability Guarantee, Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
- See More Details & Reviews About TheBank of America® Customized Cash Rewards Credit Card for Students
Bank of America® Travel Rewards Credit Card for Students Bank of America® Travel Rewards Credit Card for Students

- Online offer: Get 25,000 bonus points (redeemable for a $250 statement credit toward travel & dining purchases) on spending at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3 points for every dollar spent in net purchases at the Bank of America Travel Center and 1.5 points for every dollar spent on all other purchases.
- No limit to the total number of points you can earn and points don't expire.
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts.
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- 25,000 points initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Security Benefits: $0 Liability Guarantee, Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
- See More Details & Reviews About TheBank of America® Travel Rewards Credit Card for Students
BankAmericard® Credit Card for Students BankAmericard® Credit Card for Students

- Receive a $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- $100 initial rewards bonus
- Balance transfer fee
- Foreign fee
- 0% Introductory APR for 18 months for balance transfers posted within 60 days of account opening.
- Security Benefits: $0 Liability Guarantee, Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- See More Details & Reviews About TheBankAmericard® Credit Card for Students
Editor's Picks: Best Bank of America Student Credit Cards

As you can see below, none of these cards have annual fees. And all of them are available to students with no credit. So your choice of card really comes down to whether you’re most in need of a 0% APR, cash back rewards or travel rewards.
Best Bank of America Student Credit Cards Comparison
Card Name | Best For | Annual Fee | Initial Bonus | Intro Purchase APR |
Bank of America® Customized Cash Rewards Credit Card for Students | Cash Back | $0 | $200 | 0% for 15 months |
Bank of America® Travel Rewards Credit Card for Students | Travel Rewards | $0 | 25,000 points | 0% for 15 months |
Bank of America® Customized Cash Rewards Secured Credit Card | Secured & Rewards | $0 | N/A | Not Offered |
BankAmericard® Secured Credit Card | Secured | $0 | N/A | Not Offered |
American Medical Student Association Credit Card | Medical Students | $0 | $200 | 0% for 15 months |
If you want to make sure you get the best deal, compare these offers to student credit cards from other major issuers. You can also check out our guide to building credit for some tips on how to get your credit career started on the right foot. You can always check your latest credit score for free on WalletHub, too.
Methodology for Selecting the Best Bank of America Student Credit Cards
WalletHub’s editors regularly compare all of the Bank of America credit cards for which students are eligible from our database of 1,500+ credit card offers. We compare these Bank of America student credit cards based on their fees, interest rates, approval requirements, rewards and other perks. This enables us to calculate expected cardholder savings in different scenarios and ultimately pick the best Bank of America student credit cards for different types of student applicants.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Bank of America Student Credit Cards FAQ
Comparing bank of america student credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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