BankAmericard® Credit Card for Students
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 14.49% - 24.49% |
| Balance Transfer APR (Variable APR) | 14.49% - 24.49% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
BankAmericard® Credit Card for Students Review
This 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 review will provide you with with all the details you need 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 that ranges from 14.49% up to 24.49%.
- 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%.
- 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.
- 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 will have good approval odds if your credit score is above 600.
| The Good | The Bad |
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Does BankAmericard® Credit Card for Students have a cash back or rewards program?
No, it does not offer a rewards program.
What are the BankAmericard® Credit Card for Students benefits?
It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.BankAmericard® Credit Card for Students has a variable purchase APR that ranges from 14.49% up to 24.49%. 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 27.49%.
Does BankAmericard® 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 up to 15 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 3% |
| Balance Transfer Fee Intro Period | 60 days |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 15 months |
| Balance Transfer APR | 14.49% - 24.49% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 0% |
Does BankAmericard® Credit Card for Students have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
This card does offer an intro APR rate of 0% on qualified purchases
What are the fees for BankAmericard® Credit Card for Students?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $29 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the support contact email for BankAmericard® Credit Card for Students?
The support contact email for BankAmericard® Credit Card for Students is customerservicealert@bankofamerica.com.
How do people rate the customer service and user experience of BankAmericard® Credit Card for Students?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BankAmericard® Credit Card for Students report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
100 North Tryon Street
Charlotte, NC 28255 - Visit Site
- Email Support
Other Services by Bank of America
Availability
- 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 | $10 |
| Cash Advance Fee (%) | Up to 3% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $1.50 |
| Returned Payment Fee | Up to $29 |
| Late Fee Amount | Up to $40 |
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