BankAmericard® Credit Card for Students
in Personal Credit Cards from Bank of America
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| Balance Transfer APR (Variable APR) | 14.49% - 24.49% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 14.99% - 24.99% |
BankAmericard® Credit Card for Students Review
BankAmericard® Credit Card for Students is a credit card issued by Bank of America. If you're wondering whether BankAmericard® Credit Card for Students is the right card for you, read on. This is everything you need to know to make a good choice.
- 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.
- Competitive APRs. BankAmericard® Credit Card for Students has a variable purchase APR of up to 24.99%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 60 days of opening the account. After the introductory period, the fee is 3% of the balance transferred or $10, whichever is greater.
- 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.
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Is there a BankAmericard® Credit Card for Students cash back or rewards program?
No, BankAmericard® Credit Card for Students does not offer a rewards program.
What are the BankAmericard® Credit Card for Students benefits?
BankAmericard® Credit Card for Students provides the following benefits:
- Free Credit Score
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for BankAmericard® 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® Credit Card for Students has lower than average purchase APRs.BankAmericard® Credit Card for Students has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.49% up to 24.49%. It also has a variable cash advance APR that ranges from 17.49% up to 26.49%.
Does BankAmericard® Credit Card for Students have an introductory APR offer on balance transfers??
Yes, BankAmericard® 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 | 14.49% - 24.49% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 15 |
| Balance Transfer Fee % | 0% |
| Balance Transfer Fee % After Intro Period | 3% |
| Balance Transfer Fee Intro Period (days) | 60 |
| Balance Transfer Fee Minimum | $10 |
Does BankAmericard® 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
What are the BankAmericard® Credit Card for Students fees?
The following fees apply to BankAmericard® Credit Card for Students:
| Fees | Amount |
|---|---|
| Annual Fee | up to $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | $28 |
| Late Payment Fee | $39 |
Does BankAmericard® Credit Card for Students have a foreign transaction fee?
BankAmericard® 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® Credit Card for Students report your account activity to credit bureaus?
BankAmericard® 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® Credit Card for Students
- Visit the BankAmericard® 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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Contact
- Headquarters
-
100 North Tryon Street
#170
Charlotte, NC 28255 - Visit Site
Other Services by Bank of America
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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
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 3% |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $1.50 |
| Returned Payment Fee | $28 |
| Late Fee Amount | $39 |
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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)
Bank of America® Travel Rewards Credit Card
5 total votes
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.99% - 24.99%
(Variable APR)
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)
Balance Transfer APR
17.99% - 24.99%
(Variable APR)
Credit Score Range
690 - 850
Annual Fee
$95
Purchase APR
17.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
15.99% - 25.99%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
15.99% - 25.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$59
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$79
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$89
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Fixed APR)
Credit Score Range
700 - 850
Annual Fee
$75
Purchase APR
16.99% - 24.99%
(Fixed APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
660 - 850
Annual Fee
$0
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
660 - 850
Annual Fee
$0
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$90
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$99
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
16.99% - 24.99%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$59
Purchase APR
16.99% - 24.99%
(Variable APR)
Balance Transfer APR
24.49%
Credit Score Range
300 - 850
Annual Fee
$0
Purchase APR
24.49%
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