Best Bank of America Student Credit Cards

The best credit cards for students offer generous rewards, 0% intro rates and low fees, and they are pretty easy to get approved for, even with no credit. You just need an active college email address and enough income for monthly payments to get one of the best student cards.
 

Best Student Credit Cards (October 2022)

You can learn more about the best credit cards for college students below. We’ll also explain how to choose between the best student rewards credit cards and the student cards with the lowest rates. Finally, make sure to browse our list of money-saving pointers, which should come in handy before graduation and beyond.

This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. Please keep in mind that while some offers may come from WalletHub advertising partners, sponsorship status played no role in card selection.

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The Bank of America student credit cards don't have maximum credit limits, but their minimum credit limit for student cards is $500, according to a Bank of America customer service representative. That means if you're approved for a Bank of America student card, whether it's the BankAmericard for Students or either of BofA's rewards cards for students, the lowest credit limit you'll get is $500.

Bank of America currently has 3 credit cards for students: the Bank of America Cash Rewards Credit Card for Students, the Bank of America Travel Rewards Credit Card for Students, and the BankAmericard® Credit Card for Students. All 3 cards require only limited credit history for approval.

The Bank of America Travel Rewards for Students minimum payment is $35 or 1% of the statement balance, plus interest, fees and past-due amounts - whichever is greater. If the statement balance is less than $35, the Bank of America Travel Rewards for Students minimum payment will be equal to the balance. In addition, if you recently missed a payment, Bank of America may add a late fee to your minimum payment.

The minimum payment is the smallest amount you’re obligated to pay by the due date for your Bank of America Travel Rewards for Students account to be in good standing. Failure to pay by the due date may result in a late fee. Your credit score will also take a hit if you miss multiple minimum payments.

Yes, you can get approved for the Bank of America Cash Rewards for Students card with limited credit. This means that this card accepts applicants who have less than 3 years of credit history.

If this isn’t your case, you would need to have at least fair credit (640+) to get this credit card.

Having said that, it is also worth noting that your credit score isn’t the only thing the issuer will take into account while considering your application. Various other factors like your credit history, income and any debts you might have will also determine the outcome.

Here are some other Bank of America Cash Rewards for Students requirements for approval:

• To be at least 18 years old
• To have a valid U.S. SSN
• To provide proof of income
• To have a physical address (not a P.O box)
• A valid student ID and college e-mail address

Ultimately, you can check your credit score for free on WalletHub and see where you stand.

The Bank of America student credit card requirements include credit score, income, and proof of enrollment. In addition, you need to be a U.S citizen or Resident Alien with a valid Social Security Number. 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.

Here are the 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 is also required. 
• Proof of enrollment: You should have a valid Student ID and an active college e-mail address.

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 its student cards.

Student credit cards are 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.

The best Bank of America student Visa credit card is the Bank of America Cash Rewards for Students. It offers:

• $200 initial bonus for purchases of at least $1,000 in the first 90 days of account opening
• 3% back in one of the following categories: gas, online shopping, dining, travel, drug stores, or home improvement / furnishings (terms apply)
• 2% back at grocery stores and wholesale clubs
• 1% back on every other purchase

If you enjoy traveling, the Bank of America Travel Rewards Credit Card for Students is the choice for you. It offers:

• 25,000 points initial bonus for purchases of at least $1,000 in the first 90 days of account opening
• 3 points for every dollar spent at the Bank of America Travel Center
• 1.5 points for every dollar spent on all other purchases

Both cards come without an annual fee and a purchase intro APR of 0% for 12 months. What's even better, you can apply with fair credit or limited credit history.

Yes, there is a Bank of America credit card for international students. In fact, there are two, and neither require an SSN, you can apply with an ITIN (Individual Taxpayer Identification Number):

The Bank of America Cash Rewards for Students. It offers:

• $200 initial bonus for purchases of at least $1,000 in the first 90 days of account opening
• 3% back in one of the following categories: gas, online shopping, dining, travel, drug stores, or home improvement / furnishings (terms apply)
• 2% back at grocery stores and wholesale clubs
• 1% back on every other purchase

For travelers, the Bank of America Travel Rewards Credit Card for Students is the choice for you. It offers:

• 25,000 points initial bonus for purchases of at least $1,000 in the first 90 days of account opening
• 3 points for every dollar spent at the Bank of America Travel Center
• 1.5 points for every dollar spent on all other purchases

Both cards come without an annual fee, and a purchase intro APR of 0% for 12 months. What's even better, you can apply with fair credit or limited credit history.