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  Bank of America® Travel Rewards for Students

Bank of America® Travel Rewards for Students

in Personal Credit Cards from Bank of America

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Bank of America® Travel Rewards for Students

Unaffiliated

in Personal Credit Cards from Bank of America

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Highlights
Purchase APR  (Variable APR) 16.49% - 24.49%
Balance Transfer APR  (Variable APR) 16.49% - 24.49%
Credit Score Range 600 - 850
Annual Fee $0

Bank of America® Travel Rewards for Students Review

This is a rewards credit card issued by Bank of America. If you're wondering whether Bank of America® Travel Rewards for Students is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of 25000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Bank of America® Travel Rewards for Students has a variable purchase APR that ranges from 16.49% up to 24.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Bank of America® Travel Rewards for Students charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Accepts cosigners. Bank of America is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Bank of America® Travel Rewards for Students
The Good The Bad
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Bank of America® Travel Rewards for Students is accepted.
  • Bank of America® Travel Rewards for Students reports to multiple credit bureaus.
  • Charges a 3% balance transfer fee.
Bank of America® Travel Rewards for Students FAQ

Does Bank of America® Travel Rewards for Students have a cash back or rewards program?

Bank of America® Travel Rewards for Students is a rewards card.

Bank of America® Travel Rewards for Students Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 25000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Bank of America® Travel Rewards for Students have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 25000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Bank of America® Travel Rewards for Students offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Bank of America® Travel Rewards for Students benefits?

It provides the following benefits:

  • Free Credit Score
  • Extended Warranty Protection
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for Bank of America® Travel Rewards for Students?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

It has a variable purchase APR that ranges from 16.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 24.49%. It also has a variable cash advance APR that ranges from 19.49% up to 27.49%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Bank of America® Travel Rewards for Students have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Bank of America® Travel Rewards for Students have an intro APR offer on new purchases?

Bank of America® Travel Rewards for Students Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Bank of America® Travel Rewards for Students?

The following fees apply:

Bank of America® Travel Rewards for Students Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $29
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Bank of America® Travel Rewards for Students have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Bank of America® Travel Rewards for Students?

The Bank of America® Travel Rewards for Students customer service number is (800) 932-2775.

What is the support contact email for Bank of America® Travel Rewards for Students?

The support contact email for Bank of America® Travel Rewards for Students is customerservicealert@bankofamerica.com.

Does Bank of America® Travel Rewards for Students report your account activity to credit bureaus?

Yes, Bank of America® Travel Rewards for Students reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Bank of America® Travel Rewards for Students

  • Visit the Bank of America® Travel Rewards for Students website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn unlimited 1.5 points for every $1 you spend on all purchases.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Student
Minimum Age 18
Co-signing Allowed
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
No Blackout Dates
Rewards Rates
  • Every Purchase
Signup Bonus (points) 25,000
Cash Advance APR (Variable APR) 19.49% - 27.49%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.49% - 24.49%
Balance Transfer APR (Variable APR) 16.49% - 24.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Bonus Offers
  • Rewards
  • Student
Card Network Visa

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