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

Bank of America® Travel Rewards for Students Review

Bank of America® Travel Rewards for Students 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 is everything you need to know to make a good choice.

Key takeaways:

  • Earn 1.5 points for every dollar spent on everyday purchases. Terms and conditions apply. This is higher than the average reward rate (1 point per dollar spent) for everyday purchases.
  • 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
  • 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 stand a chance of qualifying if your credit score is not below 600.

Bank of America® Travel Rewards for Students Pros and Cons:

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 every purchase.
  • Earn rewards on every purchase.
  • Bank of America® Travel Rewards for Students reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Charges a 3% balance transfer fee.

Is there a Bank of America® Travel Rewards for Students cash back or rewards program?

Bank of America® Travel Rewards for Students offers a rewards program to its customers.

Bank of America® Travel Rewards for Students Rewards
Rewards rate (all purchases) 1.5%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) 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?

Bank of America® Travel Rewards for Students 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?

Bank of America® Travel Rewards for Students doesn't offer a cash loyalty bonus.

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

Bank of America® Travel Rewards for Students 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

Bank of America® Travel Rewards for Students 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 introductory APR offer on balance transfers?

No, Bank of America® Travel Rewards for Students does not come with an introductory APR offer for balance transfers.

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

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

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

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

The following fees apply to Bank of America® Travel Rewards for Students:

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

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

Bank of America® Travel Rewards for Students does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

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
Card Type
  • Bonus Offers
  • Rewards
  • Student
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
Free FICO Score  
Bonus Rewards 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening.
No Blackout Dates  
Rewards Rates Every Purchase
Signup Bonus (points) 25,000
Rewards Type Points
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%

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Balance Transfer APR 15.49% - 25.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 25.49%
(Variable APR)
    0% 36% Variable APR
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  • 1% - 3% on Gas
  • 1% - 2% on Groceries
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Balance Transfer APR 16.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.49% - 24.49%
(Variable APR)
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Balance Transfer APR 14.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.49% - 24.49%
(Variable APR)
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Bank of America Premium Rewards Card
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(Variable APR)
    5% 29% Variable APR
Credit Score Range 690 - 850     300 850
Annual Fee $95 Annual Fee
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Rewards Categories
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BankAmericard® Credit Card for Students
Balance Transfer APR 14.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 14.49% - 24.49%
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Alaska Airlines Visa Signature® Card
Balance Transfer APR 17.49% - 25.49%
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    5% 29% Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $75 Annual Fee
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BankAmericard Cash Rewards Credit Card for Students
Balance Transfer APR 15.49% - 25.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 600 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.49% - 25.49%
(Variable APR)
    0% 36% Variable APR
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Balance Transfer APR 17.49% - 25.49%
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    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $59 Annual Fee
Purchase APR 17.49% - 25.49%
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Balance Transfer APR 16.49% - 24.49%
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    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $79 Annual Fee
Purchase APR 16.49% - 24.49%
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Air France KLM World Elite Mastercard®
Balance Transfer APR 17.49% - 25.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $89 Annual Fee
Purchase APR 17.49% - 25.49%
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Balance Transfer APR 16.49% - 24.49%
(Fixed APR)
    5% 29% Fixed APR
Credit Score Range 700 - 850     300 850
Annual Fee $75 Annual Fee
Purchase APR 16.49% - 24.49%
(Fixed APR)
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Norwegian Cruise Line® World Mastercard®
Balance Transfer APR 16.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 660 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.49% - 24.49%
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    5% 29% Variable APR
Credit Score Range 660 - 850     300 850
Annual Fee $0 Annual Fee
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Virgin Atlantic World Elite Mastercard®
Balance Transfer APR 17.49% - 25.49%
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    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $90 Annual Fee
Purchase APR 17.49% - 25.49%
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Balance Transfer APR 17.49% - 25.49%
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    5% 29% Variable APR
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Balance Transfer APR 16.49% - 24.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 16.49% - 24.49%
(Variable APR)
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Balance Transfer APR 17.49% - 25.49%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $59 Annual Fee
Purchase APR 17.49% - 25.49%
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Balance Transfer APR 24.49% Variable APR
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