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BankAmericard Cash Rewards Credit Card for Students

in Student Credit Cards

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BankAmericard Cash Rewards Credit Card for Students

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in Student Credit Cards

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Overview

Who is this credit card designed for?

BankAmericard Cash Rewards Credit Card for Students is a credit card issued by American Express Bank, which is based in Charlotte, NC. 

BankAmericard Cash Rewards Credit Card for Students is designed for people with a credit score of 600 to 850. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. Note that this card is designed for students. This means students can apply for the card even though they don't have much of a credit history.

What are the relevant APRs?

BankAmericard Cash Rewards Credit Card for Students has a variable purchase APR that ranges from 13.59% up to 23.49%.

The card has a variable balance transfer APR that ranges from 13.49% up to 24.49%.

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.

Is an introductory APR offer available?

Yes, BankAmericard Cash Rewards Credit Card for Students offers an introductory APR rate of 0%.

What are the fees?

The following fees apply to BankAmericard Cash Rewards Credit Card for Students:

  • A late payment penalty of $38.
  • A returned payment fee of $38.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% commission. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Gas
  • Groceries

Is a signup bonus offered?

BankAmericard Cash Rewards Credit Card for Students doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

BankAmericard Cash Rewards Credit Card for Students doesn't offer a cash loyalty bonus.

What additional benefits are offered?

BankAmericard Cash Rewards Credit Card for Students provides the following benefits:

  • Extended warranty
  •  

    Our student credit cards guide covers student credit cards in much greater detail. Discover which cards fit you best, what cards you are eligible for and what perks they offer. Learn about various rates, terms and find out what to look for in your next student credit card.
    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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

    Grace Period for Late Payment (Days) 25
    Annual Fee $0
    No Annual Fee  
    Late Payment Penalty $38
    Returned Payment Fee $38
    Minimum Interest Charge $1.50
    Foreign Currency Transaction Fee 3%
    Minimum Age 18
    Co-signing Allowed  
    Credit Score Range 600 - 850
    850 300 600
    Customer Type Student
    Extended Warranty  
    Rewards Categories
    • Gas
    • Groceries
    Purchase APR (Variable APR) 13.59% - 23.49%
    Penalty APR 29.99%
    Introductory Rate 2%
    Balance Transfer APR (Variable APR) 13.49% - 24.49%
    Introductory Rate 0%

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