Am I eligible?
To get this card, you must also:
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...
- Brett Holzhauer, MoneyGeekThe BankAmericard® credit card for Students is for students who want to finance a new purchase or consolidate existing debt without paying interest for 21 billing cycles. The card may be the right fit for you if you fall into one or more of the following scenarios.
- TJ Porter, CardcruncherThe 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...
- CardcruncherThe 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...
- FinderStudents 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...
- Christy Rakoczy, LendEDUThe 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.
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)
|
| 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%
|
| 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, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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