Last Updated: 07/28/2025
Bank of America® Unlimited Cash Rewards Credit Card for Students
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in Credit Cards from Bank of America
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.74% - 28.74%(Verified 11/13/2024)
Balance Transfer APR (Variable APR)
18.74% - 28.74%(Verified 11/13/2024)
Credit Score Range
650 - 850
Annual Fee
$0
Bank of America® Unlimited Cash Rewards Credit Card for Students Review
This is a cashback credit card issued by Bank of America. If you're wondering whether Bank of America® Unlimited Cash Rewards Credit Card for Students is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.74% up to 28.74%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 4% balance transfer fee. Bank of America® Unlimited Cash Rewards Credit Card for Students charges a 3% balance transfer during the intro period charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees after the intro period.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Bank of America® Unlimited Cash Rewards Credit Card for Students
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Bank of America® Unlimited Cash Rewards Credit Card for Students FAQ
Does Bank of America® Unlimited Cash Rewards Credit Card for Students have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Bank of America® Unlimited Cash Rewards Credit Card for Students?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Bank of America® Unlimited Cash Rewards Credit Card for Students has a variable purchase APR that ranges from 18.74% up to 28.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 28.74%. It also has a variable cash advance APR that ranges from 21.74% up to 28.74%.
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® Unlimited Cash Rewards Credit Card for Students have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.74% - 28.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee % | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Bank of America® Unlimited Cash Rewards Credit Card for Students have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for Bank of America® Unlimited Cash Rewards Credit Card for Students?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Bank of America® Unlimited Cash Rewards Credit Card for Students have a foreign transaction fee?
Bank of America® Unlimited Cash Rewards Credit Card for Students charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Bank of America® Unlimited Cash Rewards Credit Card for Students?
The customer service number for Bank of America® Unlimited Cash Rewards Credit Card for Students is (800) 932-2775.
What is the support contact email for Bank of America® Unlimited Cash Rewards Credit Card for Students?
The support contact email for Bank of America® Unlimited Cash Rewards Credit Card for Students is customerservicealert@bankofamerica.com.
What is the login page for Bank of America® Unlimited Cash Rewards Credit Card for Students?
You can access the login page of Bank of America® Unlimited Cash Rewards Credit Card for Students here.
How do people rate the customer service and user experience of Bank of America® Unlimited Cash Rewards Credit Card for Students?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Bank of America® Unlimited Cash Rewards Credit Card for Students report your account activity to credit bureaus?
Yes, Bank of America® Unlimited Cash Rewards Credit Card for Students reports to the following credit bureaus:
- 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 build your credit.
Does Bank of America perform a hard credit pull?
Yes, Bank of America® Unlimited Cash Rewards Credit Card for Students performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Bank of America® Unlimited Cash Rewards Credit Card for Students
- Visit the website of Bank of America® Unlimited Cash Rewards Credit Card for Students.
- 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.
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