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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.

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?

American Express Bank charges a variable APR on new purchases that ranges from 13.59% to 23.49%. Balance transfer APRs, which are also variable, range from 13.49% 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
  •  

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    Feature Breakdown

    Annual Fee
    $0
    Grace Period / Deferred Interest (Months)
    25
    No Annual Fee
    Late Payment Penalty
    $38
    Returned Payment Fee
    $38
    Minimum Interest Charge
    $1.5
    Foreign Currency Transaction Fee
    3%
    Co-signing Allowed
    Customer Type
    Student
    Card Type
    • Cash Back
    • Student
    • Zero Percent
    Card Network
    • Visa
    Extended Warranty
    Rewards Categories
    • Gas
    • Groceries
    Purchases APR (variable)
    13.59% - 23.49%
    7% 24%
    Penalty APR
    29.99%
    Introductory Rate
    2%
    Balance Transfer APR (variable)
    13.49% - 24.49%
    7% 24%
    Transfer Fee
    3%
    Introductory Rate
    0%

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