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BankAmericard® Credit Card for Students review

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Advertiser Disclosure

Interest Rate: Purchases
12.99% ‐ 22.99% (Variable) (0% for the first 15 months)
Balance Transfer
12.99% ‐ 22.99% (Variable) (0% for the first 15 months)
Rewards
-
Signup Bonus
-


7.4/10
Informr score
The BankAmericard® Credit Card for Students currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 6 sources including reviews from users and the web's most trusted critics.

Am I eligible?


BankAmericard® Credit Card for Students is typically available to those with average credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Cardcruncher

The BankAmericard Credit Card for Students is the least appealing of the bank’s three student credit cards. The other two come with rewards, so there’s little reason to apply for a card that doesn’t. If you want a student credit card from Bank of America, you’re likely to be better off with one of t...

- TJ Porter, Cardcruncher
Cardcruncher

The BankAmericard® Credit Card for Students is Bank of America's low-interest student card. Unlike its sister card, the Bank of America® Cash Rewards Credit Card for Students, this card does not offer any rewards. Instead, its main appeal is a lower interest rate of 0% for 15 months, then 15.24% to...

- Cardcruncher
Finder

Students looking to save money on interest, whether it be on purchases or balance transfers, may find the BankAmericard® Credit Card for Students useful. The card has one of the longest intro APR periods offered to students, which can help you save money on interest. Note that you won’t earn any rew...

- Finder
LendEDU

The BankAmericard Credit Card for Students provides a long 0% introductory APR but doesn’t have many other cardholder benefits. Instead, students are often better served with a college card that offers a rewards program.

- Christy Rakoczy, LendEDU
CreditCards.com

Bank of America’s bare bones student card comes with a generous 0-percent balance transfer offer and a low starting interest rate.

- Kelly Dilworth, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 12.99% ‐ 22.99% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 12.99% ‐ 22.99% (Variable) (0% for the first 15 months)
  • Intro rate applies on balances transferred within the first 60 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 15.99% ‐ 25.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%
  • Minimum of $10
  • $0 Intro fee that applies on balances transferred within the first 60 days of account opening.
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Virtual Cards No
Additional Benefits
  • Online Shopping Security
  • Overdraft Protection
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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