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Bank of America® Travel Rewards for Students review

Last updated:  

Earn reward points on purchases without paying an annual fee.’s rating: 4.1 / 5


  • Get this card if you are a student who wants to earn travel rewards.
  • Pick something else if you want an intro APR period on balance transfers or a cashback card.
  • Apply with a limited credit history or with a fair credit score of 620 or higher.


Points as welcome offer

Up to 1.5x



Annual fee


Intro purchase APR

for the first 12 billing cycles (then 14.99% to 22.99% variable)


Product NameBank of America® Travel Rewards for Students
Annual fee$0
Purchase APR0% intro for the first 12 billing cycles (then 14.99% to 22.99% variable)
Balance transfer APR14.99% to 22.99% variable
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Cash advance rate17.99% to 25.99% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Penalty APR29.99% fixed
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $40
Returned payment feeUp to $29

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Bank of America® Travel Rewards for Students is an excellent option for students who travel, want to earn rewards on their purchases and want to build their credit at the same time. It offers a flat 1.5x points on all purchases, a 25,000-point signup bonus after you spend $1,000 in your first 90 days, a 0% intro APR on purchases for 12 billing cycles and requires no annual fee.

Look at Bank of America’s student card lineup and you’ll notice a theme: they’re practically identical to some of Bank of America’s non-student card offerings. This card is no different: it’s completely identical to the Bank of America® Travel Rewards Credit Card.

That’s great news for students. Student cards tend to have fewer features or rewards than standard credit cards, but Bank of America bucks the trend here. This card’s lack of foreign transaction fees, reliable rewards and generous introductory APR on purchases make this one of our Best of 2020 picks for student cards.

Best of 2020
Finder experts pick Bank of America® Travel Rewards for Students as a 2020 best product for credit cards.

How to apply for the Bank of America® Travel Rewards for Students

  1. Visit the Bank of America website and find the Bank of America® Travel Rewards for Students.
  2. Click Apply now and fill out the application form.
  3. Review the form and submit.

What credit score do I need?

Apply with a fair credit of 620 or higher, or with a limited credit history.

Card benefits

  • Signup bonus.
    Spend $1,000 in your first 90 days of account opening to earn 25,000 bonus points. That’s worth $250 in statement credit toward travel purchases.
  • Reward points.
    Earn unlimited 1.5x points on everything you buy.
  • Intro APR period on purchases.
    Use your first 12 billing cycles to make interest-free purchases with a 0% intro APR period. After that, your rate reverts to variable 14.99% to 22.99% APR.
  • No foreign transaction fees.
    The card can be a solid traveling companion as you won’t pay any foreign transaction fees on purchases made abroad.
  • No annual fee.
    Earn rewards and use a long intro APR period without paying an annual fee.

What to watch out for

  • No balance transfer intro APR period.
    The card offers a 0% intro APR period on purchases but not on balance transfers. If you’re looking to make a balance transfer, compare 0% intro APR balance transfer credit cards.
  • Penalty APR.
    Miss payments and you could get slapped with a harsh 29.99% penalty APR.

Compare credit cards for students

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Deserve® Edu Card
18.74% variable
Designed for college students to build credit history and earn rewards.
Petal® 1
19.99% to 29.49% variable
A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. See if you prequalify with no impact to your credit.
Petal® 2
12.99% to 26.99% variable
New to credit
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
Jasper Mastercard®
15.49% to 24.99% variable
New to credit
A 1% cashback credit card for professionals relocating to America without a US credit history.
Journey® Student Rewards from Capital One®
22.99% variable
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.

Compare up to 4 providers

Bottom line

If you are looking for a student travel credit card to earn rewards and build your credit, the Bank of America® Travel Rewards for Students could be worth considering. The card also comes with a decent signup bonus and a long intro APR period on purchases.

However, if this card doesn’t fit your financial needs, compare other credit cards to find the right one for your wallet.

Frequently asked questions

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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