Compare Bank of America student credit cards

Earn rewards, save money on interest and build your credit.

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Students sitting a table

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Bank of American offers some of the best credit cards for students out there. Using one of these cards, you can either earn accelerated cash back on select categories — such as online shopping, dining and gas — or you can earn rewards on travel purchases. A third option lets you save money on interest as this card has one of the longest 0% intro APR periods on purchases and balance transfers offered to students. And you get all this without paying an annual fee.

Compare Bank of America cards for students

Name Product Filter values Rewards Purchase APR Annual fee
3% and 2% cash back on the first $2,500 in combined choice category, grocery and wholesale club purchases each quarter, then 1%
0% intro for the first 15 statement closing dates (then 15.74% to 25.74% variable)
$0
Earn $200 after spending $1,000 in the first 90 days from account opening.
1.5x points on all purchases
0% intro for the first 12 billing cycles (then 16.74% to 24.74% variable)
$0
Earn 25,000 points after spending $1,000 on purchases in the first 90 days from account opening. This can be redeemed for a $250 statement credit toward travel purchases.
N/A
0% intro for the first 15 statement closing dates (then 14.74% to 24.74% variable)
$0
Use your card responsibly to help build good credit, while saving more with one of the lowest annual percentage rates available among all Bank of America® products.

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Quick look at Bank of America student cards

Bank of America® Cash Rewards for StudentsBank of America® Travel Rewards for StudentsBankAmericard® Credit Card for Students
Rewards
  • 3% cash back on a category you choose
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on everything else
1.5x points on all purchasesN/A
Signup bonusEarn $200 online cash bonus once you spend $1,000 in your first 90 daysEarn 25,000 bonus points, worth $250 toward travel purchases, once you spend $1,000 in your first 90 daysN/A
Intro APR period0% for 15 billing cycles on balance transfers and purchases, variable 15.74% – 25.74% thereafter0% for 12 billing cycles cycles only on purchases, variable 16.74% – 24.74% thereafter0% for 15 statement closing dates on balance transfers and purchases, variable 14.74% – 24.74% thereafter
Foreign transaction fees3%None3%
Annual feeNoneNoneNone

Which Bank of America credit card should I pick?

Bank of America® Cash Rewards for Students

Bank of America® Cash Rewards for Students
Who should get this card?

Students who want to earn cash back on categories such as online shopping, off-campus dining, gas, travel and grocery stores should consider this card. Not only will you earn rewards on your purchases, but you can save money on interest with a long intro APR period on purchases and balance transfers.

Bank of America® Travel Rewards for Students

Bank of America® Travel Rewards for Students
Who should get this card?

Students who often travel internationally could use this card’s rewards program and the no-foreign-transaction fee perk. You can also enjoy a long intro APR period on purchases and a generous signup bonus you can use toward travel purchases.

BankAmericard® Credit Card for Students

BankAmericard® Credit Card for Students
Who should get this card?

If you want to get slightly lower interest rates than the other Bank of America student cards, you should consider this card. However, the cashback card could be a better option due to its solid rewards rate and generous signup bonus, especially if you always pay off your full balance before it’s due.

Typical features of a Bank of America student credit card

Each of the three Bank of America student credit cards come with its own perks and features. But some of the features are shared by all three cards. This includes:

  • No annual fee.
    You can save money and enjoy the cards’ perks without paying an annual fee.
  • Build your credit.
    Pay off your balance before the due date and use your card responsibly to build your credit score.
  • FICO score access.
    Monitor your credit-building progress with access to your FICO score either online or through the Bank of America mobile app.

Our pick for a student card from another brand

Journey® Student Rewards from Capital One®

  • Earn 1% cash back on all purchases. If you make payments on time, you’ll boost your cash back to 1.25% for that month
  • No annual fee
  • No foreign transaction fees
  • Set your own payment due date
  • Mobile account monitoring and management
  • After making your first 5 monthly payments on time, Capital One may increase your credit line
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Bottom line

Bank of America offers three credit cards to students, each with its own features. Depending on your needs, you can earn cash back, travel rewards points or you can save money on interest.

But if you think there could be a better credit card for you, make sure you compare other credit card options.

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