BankAmericard Cash Rewards Credit Card for Students
in Personal Credit Cards from Bank of America
UnaffiliatedBankAmericard Cash Rewards Credit Card for Students
in Personal Credit Cards from Bank of America
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| Balance Transfer APR (Variable APR) | 15.49% - 25.49% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 15.49% - 25.49% |
| Rewards Rates |
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BankAmericard Cash Rewards Credit Card for Students Review
BankAmericard Cash Rewards Credit Card for Students is a cashback credit card issued by Bank of America. If you're wondering whether BankAmericard Cash Rewards Credit Card for Students is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Generous reward rate. You will get a cashback rewards rate of up to 3%.
- Earn 1% cash back on everyday purchases.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
- Signup bonus. Offers a signup bonus of $200 if you spend $1000 within 3 months.
- Competitive APRs. BankAmericard Cash Rewards Credit Card for Students has a variable purchase APR that ranges from 15.49% up to 25.49%.
- 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. BankAmericard Cash Rewards Credit Card 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 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.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
BankAmericard Cash Rewards Credit Card for Students Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a BankAmericard Cash Rewards Credit Card for Students cash back or rewards program?
BankAmericard Cash Rewards Credit Card for Students is a cashback card. This means you earn a percentage of your purchase as a cash reward. With BankAmericard Cash Rewards Credit Card for Students you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 3% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $200 |
| Signup Bonus Spend Requirement | $1000 |
| Signup Bonus Spend Period (months) | 3 months |
Does BankAmericard Cash Rewards Credit Card for Students have a signup bonus?
Yes, BankAmericard Cash Rewards Credit Card for Students offers card users a signup bonus worth up to $200 after spending $1000.
Does BankAmericard Cash Rewards Credit Card for Students offer an annual loyalty bonus?
BankAmericard Cash Rewards Credit Card for Students doesn't offer a cash loyalty bonus.What are the BankAmericard Cash Rewards Credit Card for Students benefits?
BankAmericard Cash Rewards Credit Card 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 BankAmericard Cash Rewards Credit Card 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. BankAmericard Cash Rewards Credit Card for Students has lower than average purchase APRs.BankAmericard Cash Rewards Credit Card for Students has a variable purchase APR that ranges from 15.49% up to 25.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 25.49%. It also has a variable cash advance APR that ranges from 18.49% up to 28.49%. 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 BankAmericard Cash Rewards Credit Card for Students have an introductory APR offer on balance transfers?
Yes, BankAmericard Cash Rewards Credit Card for Students offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer APR | 15.49% - 25.49% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 15 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee % After Intro Period | N/A |
| Balance Transfer Fee Intro Period (days) | N/A |
| Balance Transfer Fee Minimum | $10 |
Does BankAmericard Cash Rewards Credit Card 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 15 months.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 15 |
What are the BankAmericard Cash Rewards Credit Card for Students fees?
The following fees apply to BankAmericard Cash Rewards Credit Card for Students:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $29 |
| Late Payment Fee | up to $40 |
Does BankAmericard Cash Rewards Credit Card for Students have a foreign transaction fee?
BankAmericard Cash Rewards Credit Card for Students charges a foreign transaction fee of 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 a foreign transaction fee.Does BankAmericard Cash Rewards Credit Card for Students report your account activity to credit bureaus?
BankAmericard Cash Rewards Credit Card 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 BankAmericard Cash Rewards Credit Card for Students
- Visit the BankAmericard Cash Rewards Credit Card 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) | 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. 2% cash back at grocery stores and wholesale clubs 1% cash back on all other purchases (3% and 2% cash back on the first $2,500 in combined choice each quarter) |
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Bank of America Cash Rewards
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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
16.49% - 24.49%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
(Variable APR)
- 1.5% on Every Purchase
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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