Last Updated: 07/28/2025
Bank of America® Customized Cash Rewards Credit Card for Students
Unaffiliated
from Bank of America
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +63
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
16.99% - 26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.99% - 26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Number of Reviews
Bank of America® Customized 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® Customized Cash Rewards Credit Card for Students is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- Signup bonus. Offers a signup bonus of up to $200.
- APRs: Bank of America® Customized Cash Rewards Credit Card for Students has a variable regular purchase APR that ranges from 16.99% up to 26.99%.
- 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 3% balance transfer fee. Bank of America® Customized Cash Rewards Credit Card 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.
- 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.
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Bank of America® Customized Cash Rewards Credit Card for Students
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Bank of America® Customized Cash Rewards Credit Card for Students FAQ
Does Bank of America® Customized Cash Rewards Credit Card for Students have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Bank of America® Customized Cash Rewards Credit Card for Students have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200 .
Does Bank of America® Customized Cash Rewards Credit Card for Students offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Bank of America® Customized Cash Rewards Credit Card for Students benefits?
Bank of America® Customized Cash Rewards Credit Card for Students provides the following benefits:
- Free Credit Score
- Zero fraud liability
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Bank of America® Customized 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® Customized Cash Rewards Credit Card for Students has a variable purchase APR that ranges from 16.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 26.99%. It also has a variable cash advance APR that ranges from 19.99% up to 29.99%.
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® Customized 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 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.99% - 26.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Bank of America® Customized Cash Rewards Credit Card for Students have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 18 months.
What are the fees for Bank of America® Customized Cash Rewards Credit Card for Students?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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® Customized Cash Rewards Credit Card for Students have a foreign transaction fee?
Bank of America® Customized 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® Customized Cash Rewards Credit Card for Students?
The customer service number for Bank of America® Customized Cash Rewards Credit Card for Students is (800) 932-2775.
What is the support contact email for Bank of America® Customized Cash Rewards Credit Card for Students?
The support contact email for Bank of America® Customized Cash Rewards Credit Card for Students is customerservicealert@bankofamerica.com.
How do people rate the customer service and user experience of Bank of America® Customized Cash Rewards Credit Card for Students?
Overall, Bank of America® Customized Cash Rewards Credit Card for Students is strongly recommended based on community reviews that rate customer service and user experience.
Does Bank of America® Customized Cash Rewards Credit Card for Students report your account activity to credit bureaus?
Yes, Bank of America® Customized 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® Customized 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® Customized Cash Rewards Credit Card for Students
- Visit the website of Bank of America® Customized 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.
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.
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Other Credit Cards from Bank of America
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
12.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
12.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 23.9%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$59
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$89
Rating not yet determined
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
Starting at 720
Annual Fee
$550
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +63, or 4.3 on a 5-point rating scale.
+63
-1000+100
No one recommends
Everyone recommends
Bank of America® Customized Cash Rewards Credit Card for Students Community Reviews
Would you recommend Bank of America® Customized Cash Rewards Credit Card for Students to your friends?
Michael L.
Oct 15, 2022
May or may not recommend
This is the very first credit card I got. It's good that you can choose what category you want the most cash back, but I later found out Discover and immediately changed it since not only the cash back percent is higher, but also have more areas covered such as dining, shopping, grocery etc.
YB
Yusra B.
Apr 15, 2022
May or may not recommend
In order to qualify for their cash reward benefits, you have to be able to spend more money and earn back less on their end. There's also a high minim of transfer fees.
JY
Jessica Y.
Apr 6, 2022
May or may not recommend
This is a good starter card for a student to start with. You are eligible for a spending bonus during the introductory period as well as 0% interest for the 1st 15months!! This is great! This is a smart way to teach students how to use a card before the interest starts so that they develop good credit habits. Having a cosigner on the card is a good feature, but ...Show More
Natasha N.
Mar 4, 2022
May or may not recommend
Very simple card for students just starting out it has a 0% APR rate, a welcome bonus after spending a certain amount, and no annual fee. The welcome bonus is easy to achieve quickly if like me you use it for class books which are quite expensive so, the 200 cash reward came in quite handy for me. It does have a reward earnings cap and a very unforgivable penalty ...Show More
Miriel P.
Feb 18, 2022
May or may not recommend
This is a solid choice as far as credit cards for students go. It's pretty easy to get even if you have no credit and there are no annual fees, which makes it great for students like me getting their first credit card. Overall I feel like it's relatively standard with its cashback rewards. They aren't super special, just geared toward accessibility for students. The downsides are that there is ...Show More
VJ
Vallarie J.
Nov 10, 2021
May or may not recommend
I had this credit card when I was a student and the cash reward benefits were great! It was also great that there was a $0 annual fee and how easily I was approved. Being a student I didn't have much history of credit but getting approved was surprisingly fast and easy! Would definitely recommend this credit card to students!
Ciara J.
Oct 4, 2021
May or may not recommend
I like this card because it has no annual fee and it is marketed to students. The one thing I did not like about this card is when I needed to transfer a balance, it did cost money for that. Whereas with other cards I have, I did not have to do that. This card helped me to build my credit because it allowed me to earn cash-back on purchases ...Show More
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Amanda D.
Nov 7, 2020
May or may not recommend
As a university student, I was searching for a student credit card that would enable me to build my credit while avoiding any kind of interest rates. I found that the Bank of America Cash Rewards™ Credit Card for Students aligned with my criteria.
When I signed up for this card, I received a $200 cash rewards bonus for spending $1,000 in my first 90 days of opening the credit ...Show More
Showing 8 of 8 reviews
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