Credit Score ranges are based on FICO credit scoring. The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. The website is easy to navigate and I like the app too. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. Transfers require enrollment in the service with a U.S. checking or savings account and must be made from an eligible Bank of America consumer or business deposit account. Are you sure you want to rest your choices? Before you leave, please take a moment to answer these 4 simple questions. Without additional cash-back rewards or major additional perks, the only benefit to having the Chase Freedom Student is that of any student card: the ability to build stronger credit and learn healthy spending habits while working toward a better card. A 3% fee (min $10) applies to all balance transfers. The feature is accessible through Online Banking, the mobile website, and the Mobile Banking app for iPhone and Android devices. Capital One Venture X Vs. Chase Sapphire Reserve, Bank of America Travel Rewards credit card for Students, Chase Sapphire Preferred Vs. Capital One Venture, Chase Freedom Unlimited Vs. Chase Slate Edge, 3 Ways To Get Your FICO Credit Score For Free, The 4 Best Apps To Track Credit Card Rewards, High to very high standard APR, depending on your credit. All ratings are determined solely by our editorial team. Message and data rates may apply. When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. 0621LL.FICO.Short.0816. There's no minimum spending or maximum rewards. To pay back on your credit card, you can use the Bank of America mobile application. After the intro APR offer ends, 17.74% 27.74% Variable APR will apply. Helping students build financial confidence. Access your FICO Score for free within Online Banking or your Mobile Banking app. After checking your credit rate, you will be able to send your loan application to the appropriate companies. Purchase intro APR: 0 percent for 12 billing . The penalty APR can get up to 29.99% based on your creditworthiness. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. However, all credit card information is presented without warranty. We apologize for any inconvenience. That means it may not be the best choice if you plan to use the card while studying abroad. How to qualify as a Student: For Bank of America Advantage SafeBalance Banking and Bank of America Advantage Savings, when you notify us an owner of one or more of these accounts is a Student, we will waive the monthly maintenance fee on such account(s) for each statement cycle during which such owner of the account qualifies as a Student. Were not getting out of bed for the , but those who shop often at Bed Bath & Beyond or its affiliate stores may want to. ZIP code *. These ads are based on your specific account relationships with us. With an unlimited 1% cash back on all purchases and no low introductory APR or any other rewards earning beyond a relatively small welcome bonus, the Chase Freedom Student demonstrates how much the Cash Rewards for Students card does actually offer. Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout. State how much you want to pay and submit the request. Take advantage of our credit card selection system withafree credit check! Activate your deals, even on the go. That's why we provide features like your Approval Odds and savings estimates. You may elect to receive alerts via text or email. You can take advantage of this offer when you apply now. The best Bank of America student Visa credit card is the Bank of America Cash Rewards for Students. Discover will automatically match all the cash back you've earned at the end of your first year! It offers: $200 initial bonus for purchases of at least $1,000 in the first 90 days of account opening. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Whether youre saving for your emergency fund, a car, a house or college, we have an account that can help you pursue your financial goals. With its category-based rewards structure, solid welcome bonus and a nice introductory APR period, the Customized Cash Rewards for Students card can be a great building block for a student to build credit while learning how to manage their spending. Checkless banking with flexible ways to pay. Check status of my submitted application. Overall Rating: This was the first card I got when I was a freshman. Bank of America has only four student credit cards. Merchant examples included. Annual fee: $0. BoA Cash Rewards Credit Card for Students Review. Almost no documents are needed, it's true Spotloan is like a good old friend to me. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. Choose the top-earning 3% cash-back category from several categories, Welcome bonus: $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening, As a direct deposit into a Bank of America checking or savings account of any amount, As a credit to an eligible account with Merrill of any amount, As a check, with minimum redemption of $25, As a contribution to a 529 account with Merrill, with minimum redemption of $25. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Bank of America does not charge for this service but your mobile carriers message and data rates may apply. One or more of the cards you chose to compare are not serviced in English. While it has un Alliant Credit Union Visa Platinum 2022 Review. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. Sallie Mae Credit Cards: Which one is right for How to get a Wells Fargo credit limit increase. New longer intro period! Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. For example, when you use your debit card for a meal and then add a tip. A balance transfer fee of either $10 or 3% of the amount of each transaction, whichever is greater, applies. The opinions you read here come from our editorial team. Reasonable efforts are made to maintain accurate information. A 3% fee (min $10) applies to all balance transfers. I still have a not very pleasant feeling about this company. I needed a payday loan and they offered a good alternative. If your savings account enrolled in Keep the Change is converted to a checking account, Keep the Change transfers will continue to be made into that account. Checkless banking 4 with digital payment options. Locking your card is not a replacement for reporting your card lost or stolen. Those students who plan to travel abroad may prefer the Bank of America Travel Rewards credit card for Students. The Bank of America Travel Rewards for Students card offers a 1.5% rewards rate on all purchases. The card offers a similar 0% introductory APR for 18 billing cycles on purchases and balance transfers made within 60 days of opening the account. You can take advantage of this offer when you apply now. Performance information may have changed since the time of publication. Plus, automatically earn unlimited 1% cash back on all other purchases. There is a $0 Liability Guarantee for security. Compare Bank of America student credit cards. Youll earn 1.5 points for every $1 of purchases you make. California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868. We strive to provide you with information about products and services you might find interesting and useful. New Offer: 0% Intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. The student version of the Bank of America Unlimited Cash Rewards Visa earns unlimited cash back of 1.5 percent on all eligible purchases just like the non-student version of the card. Bank of America Travel Rewards for Students earns unlimited 1.5 points for each $1 spent on any purchase. 2 How to qualify as a Student: For Bank of America Advantage SafeBalance Banking when you notify us an owner of this account is a Student, we will waive the monthly maintenance fee on such account . We may cancel or modify the Keep the Change service at any time without prior notice. To maximize earnings, we chose dining, for which the typical college student spends $1,574 per year for a total of $47.22 cash back. Footnote. The welcome bonus from the Bank of America Cash rewards card is static, but in lieu of a welcome bonus the Discover it Student Cash Back will match all cash-back earned at the end of the first year. At a return rate of 1.5% on typical annual expenses of $13,640, the average college student could . Students who want to maximize rewards and are willing to tolerate a card with a more complex system of cash back rewards may opt for the Bank of America Customized Cash Rewards credit card for Students, which earns 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. Choose a mortgage according to your needs. There is a 25,000 online bonus points offer after you spend $1,000 in the first 90 days. . It's pretty simple, actually. The Bank of America Travel rewards credit card for students has no annual fee, and no fee for foreign transactions is applied. The Bank of America student credit cards don't have maximum limits. We strive to provide you with information about products and services you might find interesting and useful. Bank of America Unlimited Cash Rewards for Students has an unlimited 1.5% cash back rate on all purchases with no expirations. The card is a useful starter cash-back card, but fails to deliver when it comes to extra benefits. We recommend that you do not use Zelle to send money to those you do not know. Please call Member Support at 833-675-0553 or email legal@creditkarma.com or mail at Credit Karma, LLC, P.O. That means you could earn up to 2.62 points for every $1 you spend, everywhere, every time. Earn 25,000 bonus points ($250 value) if you make at least $1,000 in purchases in the first 90 days of account opening. Wireless carrier fees may apply. Bonus . Data connection required. When handled responsibly, a credit card can help you build your credit history. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please reviewBank of America Online Privacy Noticeand ourOnline Privacy FAQs. Bank of America offers multiple student-focused credit cards for you to choose from. The Bank of America Student Cash Rewards card credit score requirement is fair credit. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening that can be a $250 statement credit toward travel purchases. If youre looking for a medium-length introductory A First Progress Platinum Select Mastercard Secured Credit Card 2022 Review. 4.4. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. The Travel Rewards for Students card offers a straightforward and unlimited 1.5 points per dollar on all purchases everywhere, every time with no expiration on points and a welcome bonus: 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening. Preferred Rewards members earn 25%-75% more points on every purchase. Bank of America Travel Rewards credit card for Students. Equal Housing Lender. This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. Rewards categories. Wireless carrier fees may apply. This card can be a better option for students who don't want to keep track of . Bonus earning is limited to the first $2,500 in the 3% and 2% categories combined each quarter. Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Member FDIC. Forbes Advisor made estimations based on research from various government agencies. Bed Bath & Beyond Welcome Rewards Mastercard 2022 Review. This quarterly limit caps the maximum total reward in both 2% and 3% earning categories at $300 in cash backand thats only if maximum spend is accomplished only in choice categories before spending at grocery stores or wholesale clubs at all. With Unlimited cashback match - Discover will automatically match all the cash back earned at the end of the first year. These ads are based on your specific account relationships with us. This benefit is available only for primary cardholders with an open and activeconsumer credit card account who have a FICO Score available. To determine what card is the best for you, compare them on the Bank's website. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. If you want to apply for Student credit cards from Bank of America, the easiest way is to do it online. With My Rewards, you wont miss out. A 3% fee (min $10) applies to all balance transfers. Intro Offer: Unlimited Cashback Match - only from Discover. If these Bank of America student credit cards dont fit your specific needs, consider these cards as an alternative. Bonus earning is limited to the first $2,500 in the 3% and 2% categories combined each quarter. No paper check writing available with this account setting. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Credit Karma is a registered trademark of Credit Karma, LLC. There is a $200 cash rewards bonus after you spend at least $1,000 in the first 90 days. In . If you want affordable rates, it's best to shop around and compare quotes from different lenders. I always try to make payments on time, so I usually have no problems with creditors. Dollar and frequency limits apply. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. We will send you an email alert with transaction details after you send money using Zelle. The minimum limit is $500. The decision as to which system is better will depend on expected spending habits. Bank of America makes redeeming rewards fairly straightforward while still providing plenty of options. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options. By submitting your feedback, you agree Bank of America, its affiliates and any authorized parties may use, commercialize or reproduce the feedback without restriction or any compensation to you. Those considering using the card to transfer balances should be aware that the card charges a balance transfer fee, so we recommend doing the math to make sure a transfer makes sense. The card also earns 1% cash back on all other purchases. OVERALL RATING. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. The FICO Score Program is for educational purposes and for your non-commercial, personal use. 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and 1% cash back on all other purchases. Earn cash back. After the intro APR offer ends, 17.74% 27.74% Variable APR will apply. There is a 0% introductory APR for purchases for the first 15 billing cycles (after, it's 15.49% to 25.49% variable APR). No blackout dates or restrictions apply, and points never expire. On our website you can fill out ashort application form for a credit card. Rewards rate: 1.5X points on all purchases. Zelle should only be used to send money to friends, family or others you trust. Learn More. To qualify for a student credit card from Bank of America, you need the following: To be at least 18 years old to sign the agreement; Provide proof of income from any kind of legal source; Have a bank account with Bank of America. 20072022 Credit Karma, LLC. Student - College Freshman; Student - College Sophomore; Student - College Junior; Student - College Senior; Student - Graduate Student; Teacher / Professor; Insurance related services offered through Credit Karma Insurance Services, LLC, which does business in some states as Karma Insurance Services, LLC. Contactless Cards The security of a chip card, with the convenience of a tap. You're continuing to another website that Bank of America doesn't own or operate. The company is not licensed, is not a legitimate lender. A smart start for students. Bank of America Advantage Plus Banking, Bank of America Advantage SafeBalance Banking, BankAmerideals, Keep the Change, Bank of America Life Plan, Erica, Better Money Habits, Bank ofAmerica and the Bank of America logo are registered trademarks of the Bank of America Corporation. For information about rates, fees, other costs and benefits associated with the use of these cards or to apply, see an associate. Fiduciary titled accounts, including UTMA / UGMA, do not qualify for the under the age of 18 or the Student waiver. Credit Karma receives compensation from third-party advertisers, but that doesn't affect our editors' opinions. Open an eligible personal checking account* and show your pride in your profession with every debit card purchase. APR for cash advances and penalty APR ranges from 19.99% to 29.99%. You must be enrolled in Online Banking or Mobile Banking to participate in the BankAmeriDeals program and have either an eligible Bank of America debit or credit card or Merrill credit card. To apply for a Bank of America credit card, you'll need your personal information, including Social Security number and total annual income. Allrightsreserved. BankAmericard for Students is 2022's best student credit card for financing, offering 0% introductory APRs on both new purchases and balance transfers for the first 21 months your account is open. Programs, rates, terms and conditions are subject to change without notice. The offers for financial products you see on our platform come from companies who pay us. The card earns outsize Union Bank Platinum Visa Credit Card 2022 Review. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply. Footnote. Credit and collateral are subject to approval. Image: Closeup of somebody using a credit card to pay for a meal at a restaurant, Image: Young family in front of their Airbnb rental, children holding hands and running toward the camera. Track your rewards, deals and benefits and discover additional ones. In that case, the Bank of America Travel Rewards credit card for Students may be a better choice, since it doesnt charge these fees. The rating by Finanso is determined by our editorial team. For instance, someone studying abroad may be more focused on avoiding foreign transaction fees. New longer intro period! You will get 2% cash back on grocery shopping and wholesale clubs spendings and 1% cash back on other purchases. BEST OVERALL RATING 4.5. Compensation may factor into how and where products appear on our platform (and in what order). The 3% category of choice and the 2% grocery store and wholesale club earnings are restricted to the first $2,500 in combined spending each quarter. After the intro APR offer ends, a Variable APR that's currently 16.24% to 26.24% will apply. An additional reward to consider is the welcome offer: $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points dont expire. The categories of choice are gas, online shopping, dining, travel, drug stores or home improvement/furnishings and can be changed once each calendar month via the Bank of America Mobile App or Online Banking. Something went wrong. Terms and conditions apply. Relationship-based ads and online behavioral advertising help us do that. The service was fast, no one asked about any collateral or my creditworthiness. It is very convenient to use your account on the site My experience with getting a personal loan from this company was quite pleasant. at the issuer'ssecure website. This is not a commitment to lend. Such things are always annoying Before taking out a loan, I compared Spotloan with other lenders and found out that their rates are the most acceptable. Based on the lender, we found that home equity line of credit rates in the state range from 0.99% to 18%. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Though were a fan of the credit unions other offerings, the is a just OK all-around card. They all come with no annual fees. However, the lock will not stop card transactions presented as a new recurring or a previously scheduled recurring transaction by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. BankAmericard for Students allows you to get Intro APR and 14.99%-24.99% APR after the introduction period expires. Date of birth *. 1. Data connection required. There's no minimum spending or maximum rewards. Use your card to book your trip how and where you want youre not limited to specific websites with blackout dates or restrictions. With the Bank of America Customized Cash Rewards credit card for Students, you'll earn 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. Contactless Cards The security of a chip card, with the convenience of a tap. 0% introductory APR on new purchases and balance transfers for 18 billing . Use this account with our digital tools such as low-balance alerts, security alerts1 and more. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. Editorial Note: We earn a commission from partner links on Forbes Advisor. The Bank of America Cash Rewards for Students card delivers a maximum of $300 cash back reward in its limited earn categories and so does the Discover it Student Cash Back. Major retail credit card from a nationally well-known company; U.S. Department of State Diplomat ID; Mexican Voter Registration Card (with photo) . Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Data connection required. The card also offers a solid welcome bonus and introductory APR. Activate cash back deals from your favorite stores, restaurants and brands, Shop with an eligible Bank of America debit or credit card, Earn cash back, and your account will be automatically credited, Enroll your Bank of America debit card and use it for everyday purchases, Well round up your purchase to the nearest dollar amount and transfer the change from your checking to your savings account, The Unlimited Cash Rewards card lets you earn unlimited 1.5% cash back on all purchases, The Customized Cash Rewards cardlets you earn cash back on all of your purchases with 3% cash back in the category of your choice, The Travel Rewards cardlets you earn unlimited 1.5 points for every $1 spent on purchases that you can redeem toward travel and dining purchases. WHAT WE'RE GEEKING OUT ON. The Bank of America Cash Rewards for Students offers a 0% introductory APR for 18 billing cycles on purchases and balance transfers, after that a variable APR of 17.74% - 27.74% applies. But you could get it even with a limited credit history, which means less than 3 years of financial activity. To view or use Life Plan, you must be enrolled in Online Banking or Mobile Banking. Just add your debit card to your Digital Wallet and look for the contactless symbol at our ATMs. Information about paying for collegefor all phases of planning. Any virtual cards linked to the locked card will also be locked. Bank of America Customized Cash Rewards credit card for Students. Convenientand secure features available at your fingertips. Either of these cards could be a solid choice to add to your wallet depending on your needs. Apply for a Bank of America Student Credit Cards. Please refer to your Personal Schedule of Fees for details. No monthly maintenance fee for Students under 25. When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. First 5 digits required. Tips for international students, and more, When it makes sense to share expenses with your parents. Low Introductory APR Offer. It doesnt have an A newer entry into the busy business credit card market, the comes with some big asks and few rewards available to a limited audience. Bank of America Customized Cash Rewards for Students earns 3% cash back on the category of your . Cardholders can select how theyd like to receive rewards: Account holders can also set up automatic redemptions to either a Bank of America or Merrill account, given that redemptions are worth at least $25. The Bank of America Customized Cash Rewards credit card for Students could be a logical fit for students seeking a rewarding way to build credit, learn healthy spending and credit habits and who arent interested in seeing those rewards limited to travel use. Bank of America Customized Cash Rewards for Students earns 3% cash back on the category of your preference. No other redemption methods qualify for automation. The Bank of America Travel Rewards for Students has no annual fee. Other helpful features of the Bank of America Customized Cash Rewards credit card for Students include . Rewards dont expire unless the account is closed. Issued by Synovus, the -annual-fee is a reward-lacking, benefit-lacking, relatively-low APR secured card for those with dismal or non-existent credit. Our job at Forbes Advisor is to score credit cards and weve ruled that the should sit out the rest of the game. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). The Discover it Student Cash Back offers a slightly different cash-back scheme, earning 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum once activated. A Student is defined as an account owner who is both enrolled in school or an educational or vocational program and under 25 years old. Access your FICO Score for free within Online Banking or your Mobile Banking app. It is important for me that everything is legal and stable Arrowhead Advance gave me cash very quickly and simply.To be honest, I didn't expect it from a lender company. BofA will also take other factors into consideration when looking at your application, such as your income, existing debts and overall creditworthiness. Regular account fees apply. Either $10 or 3% of the amount of each transaction, whichever is greater. Send your application online to the suggested companies. The Bank of America Unlimited Cash Rewards Credit Card for Students skips over the bonus categories in favor of a flat 1.5% cash back for everything you buy. Bank of America nor Zelle offers a protection program for any authorized payments made with Zelle. Student credit cards from Bank of America come with an introductory APR of 0% for the first 18 billing cycles for purchases and for 60 days for balance transfers. With no annual fee, it's also $22 per year cheaper than the average credit card. The Bank of America Unlimited Cash Rewards credit card for Students earns an unlimited 1.5% cash back on all purchases, sparing cardholders from the extra work of keeping up with revolving bonus . This date may not reflect recent changes in individual terms. If youre looking to earn cash back, the Bank of America Customized Cash Rewards credit card for Students could be a good choice. See the Online Banking Service Agreement at www.bankofamerica.com/serviceagreement for further details. Additionally, transactions that occurred prior to locking the card will not be affected. Plus, we're there for you when you need us with thousands of financial centers and ATMs. With the Bank of America Customized Cash Rewards credit card for Students, you'll earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of . If you prefer that we do not use this information, you mayopt out of online behavioral advertising. Take a close look at your specific situation to figure out which card features are most important to you. This helps us verify that you're the applicant. Bank of America Advantage SafeBalance Banking . I like that you get to see your FICO score and you get alerts when it is ready for viewing. Image: A seated man smiles while holding his smartphone and his sofi credit card. Maximize your rewards by learning more about the Bank of America Cash Rewards cash back categories and exclusions. NeitherBank of America nor Zelle offers a protection program for any authorized payments made with Zelle. Please contact us directly if you have any account or service related issues. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please review Bank of America Online Privacy Notice and our Online Privacy FAQs. The Chase Freedom Student offers $50 bonus after the first purchase is made within the first 3 months from account opening. Last 4 digits of Social Security number *. The Bank of America Customized Cash Rewards credit card for Students earns 3% cash back in a chosen category. Upon enrollment, we will round up your Mastercard or Visa debit card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America savings account. The Bank of America Cash Rewards Credit Card for Students offers 3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice . After that, a standard APR of 17.74% - 27.74% variable on purchases and balance transfers will apply. Your financial situation is unique and the products and services we review may not be right for your circumstances. Get cash from a Bank of America ATM using your phone. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. A . Regular account fees apply. With the Bank of America Customized Cash Rewards credit card for Students, youll earn 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. Define the conditions and choose an appropriate bank card, Specify the loan term for the calculation. Chauncey grew up on a farm in rural northern California. A capped 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. 1.5 points for every $1 spent on purchases. If youre looking for a credit card with no balance transfer fee and well over a year of 0% APR, the merits your consideration. Credit Karma Mortgage, Inc. NMLS ID# 1588622|, Credit Karma Offers, Inc. NMLS ID# 1628077|. FICO Score Program. Box 30963, Oakland, CA 94604, Image: Students using laptop together outdoors, Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on Reddit (Opens in new window), Click to email a link to a friend (Opens in new window). No annual fee and no expiration on rewards. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. Helping our customers meet their financial needs is important to us. 3% back in one of the following categories: gas, online shopping, dining, travel, drug stores, or home improvement / furnishings (terms apply . You can choose from the following categories: You can also earn 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. Earned cash back will be credited into an eligible consumer deposit or credit account within 30 days following redemption. Show MoreShow LessBank of AmericaCustomized Cash Rewards credit card for Students. So you could turn $50 cash back into $100. 3% cash back in one category of choice. Welcome offer: 25,000 points after spending $1,000 in purchases within the first 90 days. Just a dollar-for-dollar match. Increase your chances of getting money fill out a multi-application with a free credit rating check. Complex to manage. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us. Bank of America Customized Cash Rewards credit card for Students. Transactions between enrolled users typically occur in minutes and transactions between enrolled consumers do not typically incur transaction fees. Note that we cannot reply to questions asked via this form. Sit back and let us show you where we are. A 3% fee (min $10) applies to all balance transfers. Category swapping is possible once per calendar month online or via mobile app and defaults to gas. After the Intro APR expires, your interest rate will be from 16.99% to 26.99% APR. Bank of America applies transaction fees to credit cards. Wireless carrier fees may apply. " The Bank of America Cash Rewards Credit Card for Students is a solid rewards card that lets students choose their top-earning cash back category each quarter." - Toby Sembower, 9/7/2022 . But credit card rewards shouldnt be the only thing you consider. If you opt out, though, you may still receive generic advertising. Bank of America doesn't have credit cards you can apply for with a co-signer, so you need to qualify for the criteria yourself. This suggests fraud. This card application is unavailable. Credit cards are issued and administered by Bank of America, N.A. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. This compensation comes from two main sources. Relationship-based ads and online behavioral advertising help us do that. All Rights Reserved. Most of the same features apply, including the same introductory APR for purchases and balance transfers. We apologize for the inconvenience. If you prefer that we do not use this information, you may opt out of online behavioral advertising. If youre looking for the best credit card rewards, the Bank of America Customized Cash Rewards credit card for Students offers the highest earning rates. Keep the Change is not available for Small Business debit cards. This is just one scoring method and a credit card issuer may use another method when considering your application. On 12.12.2022 you have access to 3 credit cards. Choose the card you want to apply for by comparing; Provide your personal info or sign into your account; Attach your documents to prove residency and provide your bank account details; Bank of America will contact you once it makes a decision. SoFi Credit Card review: Solid cash back for SoFi Are premium rewards cards worth the annual fee? Helps to keep you from spending more than you have in your account 3 without overdraft fees. Choose the credit card that works for you: Graduate to the next phase of life with expert tips from Better Money Habits. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website. The BankAmericard credit card for Students offers a 0% intro APR on purchases and balance transfers for 21 billing cycles, followed by a regular APR of 15.74% - 25.74% variable. 2022 Bank of America Corporation. Each card has benefits that could help you in different ways depending on your current needs and circumstances. To qualify for a student credit card with Bank of America, you need to have at least a 640 credit score. Please try again later. This card also offers some other features you may find helpful. In this situation, the full payment may go through and result in a negative balance on your account, but we will not charge you an overdraft fee. Balance . While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. Schedule time thats convenient for you. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. We're sorry, this page is temporarily unavailable. The mobile feature, Erica, is only available in the English language. Enjoy key features like Online Banking with Bill Pay plus Mobile Banking on your mobile device.**. $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. Student credit cards from Bank of America come with an introductory APR of 0% for the first 18 billing cycles for purchases and for 60 days for balance transfers. MoneyGeek's research shows that Bank of America is the best overall HELOC lender in New Jersey. Most schools now allow tuition costs to be put on credit cardswouldnt it be nice to earn cash back or defer payments with a low introductory APR? This could happen if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. The mobile application works flawlessly. Also, if you opt out of online behavioral advertising, you may still see ads when you log in to your account, for example through Online Banking or MyMerrill. $50 bonus after the first purchase made within the first 3 months from account opening. This card gives you the flexibility to choose your top cash back earning category at a rate of 3% cash back. A smart start for students. Use the "Bill Pay" menu to make transfers from another financial institution, or the "Transfer | Send" menu to make transfers from your Bank of America account. You can also use the website and the Online Banking dashboard. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Picking the right Bank of America student credit card ultimately depends on your circumstances and your goals for your new credit card. No overdraft fees - helps keep you from spending more than you have. There is a late fee, and it can get up to $40. Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Or turn $100 into $200. The points earned with the Travel Rewards for Students card can be redeemed for a statement credit against travel purchased any way youd like without being limited to specific airlines or restricted by blackout dates. The Spending & Budgeting tool is currently available to clients with a personal checking or savings account, credit card, a linked Merrill investment account, as well as a Small Business checking or savings account. Credit Score: 600 Credit Limit: 500 Age: 18-24. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Commissions do not affect our editors' opinions or evaluations. Highest rewards rate. Bank of America Unlimited Cash Rewards Credit Card for Students, Low Intro APR Balance Transfer Credit Cards, Interstitial Link: language-change | Placeholder - hidden, Credit Cards with No Foreign TransactionFees. Earn an unlimited 1% on all other purchases. Last name *. We'd love to hear from you, please enter your comments. Bonus earning is limited to the first $2,500 in the 3% and 2% categories combined each quarter. Were here to talk about your financial needs. Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere. Posted 10/10 2016. For your security, please enter the following information just as it appeared on your credit card application. 2022 Forbes Media LLC. AMSA Banking from Bank of America. Balance transfer must be completed within 60 days of opening account. A tap to pay debit card that can be used in stores, online or in your Digital Wallet. The Bank of America Unlimited Cash Rewards credit card for Students offers eligible applicants a 0% introductory APR for 18 billing cycles for purchases and balance transfers made within 60 days . Earn an unlimited 1% on all other purchases. Data connection required. Unfortunately, this card does charge a 3% foreign transaction fee. The 3% cash-back category options are fairly broad. Credit Karma is committed to ensuring digital accessibility for people with disabilities. A balance transfer fee of either $10 or 3% of the amount of each transaction, whichever is greater, applies, an uncommon feature in a student card. The application you've requested is currently unavailable; our system may be undergoing maintenance or the offer may have expired. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesnt affect. If necessary, the lender will contact you to clarify the details. Its owner is solely responsible for the website's content, offerings and level of security, so please refer to the website's posted privacy policy and terms of use. 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. No Monthly Maintenance Fee for Students under 25 2. Message and data rates may apply. Earn an unlimited 1% on all other purchases. In order to estimate this cards rewards, we have to make some assumptions about typical college student expenses. Talk to an associate about additional savings, credit card optionsand auto loansas well as ways to manage your accounts and more. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607, Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access. Bank of America Customized Cash Rewards for Students, Submit your credit card application online, Bank of America Unlimited Cash Rewards for Students, Bank of America Travel Rewards for Students, 3. One nice thing about this card is that you dont have to worry about bonus categories or reward caps. After the Intro APR expires, your interest rate will be from 16.99% to 26.99% APR. Balance transfers must be made within 60 days of opening the account to qualify for the intro balance transfer APR. Bank of America, N.A. This contrasts sharply with the Bank of America Customized Cash Rewards credit card for Studentss more generous welcome bonus. Traditionally, students trying to build credit werent given a large array of options when it came to cards that earned rewards, but with the Bank of America Customized Cash Rewards credit card for Students students can start earning rewards, just with a few extra limitations. If you opt out, though, you may still receive generic advertising. Past performance is not indicative of future results. The Bank of America Travel Rewards credit card for Students offers a simple way to earn rewards. We will offer you tocheck your credit score online for free. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. There are also no foreign transaction fees, which could make it a great card to use while youre traveling or studying abroad. It makes this card very convenient for booking hotels and flights, paying luggage fees, and other travel-related expenses. This site may be compensated through third party advertisers. 17.74% - 27.74% Variable APR on purchases and balance transfers. *See the online provider's credit card application for details about terms and conditions. Our ratings take into account the cards rewards, fees, rates along with the cards category. App Store is a service mark of Apple Inc. With the standard set of Bank of America extras like paperless statements, online banking and mobile app account management, contactless payment and digital wallet technologies, the card integrates the standard features of any card but doesnt provide anything to sweeten the deal in the benefits area. Better yet, the card has no annual fee, making the card an all-around solid choice for students interested in earning cash back while building good credit habits and financial history. Unfortunately, your cash back for the 3% and 2% bonus categories is limited to the first $2,500 in combined purchases each quarter. No annual fee and no expiration on rewards. The Forbes Advisor editorial team is independent and objective. Balance transfer must be completed within 60 days of opening account. Message and data rates may apply. These are provided as guidelines only and approval is not guaranteed. To protect your identity, please do not submit personal or account information. MM/DD/YYYY. Image: A woman wearing a straw hat and holding a credit card sits next to her luggage at an airport and uses her smartphone to review her American Airlines elite status benefits. You might be using an unsupported or outdated browser. No Monthly Maintenance Fee for Students under 25, Helps to keep you from spending more than you have in your account, A tap to pay debit card that can be used in stores, online or in your Digital Wallet, Schedule automatic transfers from your banking account to helpmake saving money easier, Our credit cards are designed to fit your life now and after school with cash rewards, travel rewards or lower interest rates, Each comes with tools that can help you manage your credit,like free access to your FICOScore with Online and Mobile Banking, Ask an associateabout which is the right card for you, Quickly send and receive money with Zellefast and free, Easily make purchases on the go when you add your debit or credit card to your Digital Wallet, Simply track your spending with the Spending and Budgeting tool, Utilize personalized insights and guidance to help you stay on top of your finances 24/7 with Erica, Set and track goals with a Bank of America Life Plan, helping you access resources and receive personalized help when you need it, Access your account at thousands ofBankof America ATMs, Make withdrawals, deposits and transfers and get balance inquiries at ATMs displaying the Bank of America name and logo, Find an ATM with the ATM locator in our mobile app. In short, the Bank of America Student Credit Card should be your go-to choice for avoiding interest on big-ticket . This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply. Interestingly, the card also offers a 0% introductory APR for 18 billing cycles on purchases and balance transfers, after that a variable APR of 17.74% - 27.74% applies. Earning 2% on grocery spending of $1,574 earns an additional $31.48 cash back, and remaining spending of $10,492 earns $104.92 for a total of $183.62 cash back each year. Where things get complicated is in redeeming your points. Free access to FICO credit score information helps to analyze the dynamics and factors . 2. An easy way to make everyday purchases part of your savings plan. To get a value of 1 cent per point, you can only redeem your points for a travel or dining statement credit. Then, pick the card that offers the best combination of features for your situation. Credit American Airlines AAdvantage elite status: What each tier offers, 1.5 points for every $1 spent on purchases, $200 cash rewards bonus after spending $1,000 in purchases within the first 90 days of account opening, 25,000 bonus points after spending $1,000 in purchases within the first 90 days of account opening. Its limited rewards and redemption Information provided on Forbes Advisor is for educational purposes only. Your responses will help us improve the Bank of America digital experience for all our customers. Message and data rates may apply. Delivery of alerts may be affected or delayed by your mobile carriers coverage. Bank of America Customized Cash Rewards credit card for Students, Bank of America Travel Rewards credit card for Students, Image: Man smiling while looking at his phone, Image: Young person smiling as they look at their Wells Fargo credit card and consider a credit limit increase. I quickly received approval At first, I liked everything in this company. After that, youll earn 1% cash back on the rest of your purchases in those bonus categories. Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. A balance transfer fee of either $10 or 3% of the amount of each transaction, whichever is greater, applies, but doesnt charge foreign transaction fees. The selectable categories include gas, online shopping, dining, travel and drug stores, or both home improvement and furnishings. If you are approved, you will get the card in 7 to 10 business days. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. All Rights Reserved. We think it's important for you to understand how we make money. 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