Bank of America® Travel Rewards for Students
in Personal Credit Cards from Bank of America
UnaffiliatedBank of America® Travel Rewards for Students
in Personal Credit Cards from Bank of America
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| 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.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- Accepts cosigners. Bank of America is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
Bank of America® Travel Rewards for Students Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a Bank of America® Travel Rewards for Students cash back or rewards program?
Bank of America® Travel Rewards for Students offers a rewards program to its customers.
| Rewards rate (all purchases) | 1.5% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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.
| 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:
| 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.
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#170
Charlotte, NC 28255 - (800) 432-1000
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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. |
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4 total votes
Balance Transfer APR
15.49% - 25.49%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$0
Purchase APR
15.49% - 25.49%
(Variable APR)
- Drug Store Purchases
- 1% on Every Purchase
- 1% - 3% on Gas
- 1% - 2% on Groceries
- Home Improvement Purchases
- Restaurants
- 1% - 3% on Retail
- 1% - 3% on Travel
- Warehouse Clubs Purchases
Bank of America® Travel Rewards Credit Card
5 total votes
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
(Variable APR)
- 1.5% on Every Purchase
Balance Transfer APR
14.49% - 24.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
14.49% - 24.49%
(Variable APR)
N/A
Balance Transfer APR
17.49% - 24.49%
(Variable APR)
Credit Score Range
690 - 850
Annual Fee
$95
Purchase APR
17.49% - 24.49%
(Variable APR)
- Every Purchase
- Restaurants
Balance Transfer APR
14.49% - 24.49%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
14.49% - 24.49%
(Variable APR)
N/A
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$75
Purchase APR
17.49% - 25.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
15.49% - 25.49%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
15.49% - 25.49%
(Variable APR)
- Drug Store Purchases
- 1% on Every Purchase
- 1% - 3% on Gas
- 2% - 3% on Groceries
- Home Improvement Purchases
- 1% - 3% on Restaurants
- Warehouse Clubs Purchases
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$59
Purchase APR
17.49% - 25.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$79
Purchase APR
16.49% - 24.49%
(Variable APR)
- Every Purchase
- Travel
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$89
Purchase APR
17.49% - 25.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
16.49% - 24.49%
(Fixed APR)
Credit Score Range
700 - 850
Annual Fee
$75
Purchase APR
16.49% - 24.49%
(Fixed APR)
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
660 - 850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
660 - 850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
(Variable APR)
- Every Purchase
- Travel
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$90
Purchase APR
17.49% - 25.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$99
Purchase APR
17.49% - 25.49%
(Variable APR)
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
(Variable APR)
- Every Purchase
- Travel
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$59
Purchase APR
17.49% - 25.49%
(Variable APR)
Balance Transfer APR
24.49%
Credit Score Range
300 - 850
Annual Fee
$0
Purchase APR
24.49%
N/A
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