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BankAmericard® Credit Card for Students review

30-second take

  • Get this card if you are a student who wants to save money on interest.
  • Pick something else if you want to earn rewards on your purchases.
  • Apply with a limited credit history or with a fair credit score of 580 or higher.
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Annual fee


Intro purchase APR

for the first 15 statement closing dates (then 12.99% to 22.99% variable)


Intro balance transfer

for the first 15 statement closing dates (then 12.99% to 22.99% variable)

12.99% to 22.99%

Balance transfer APR (variable)


Annual fee$0
Welcome OfferN/A
Purchase APR0% intro for the first 15 statement closing dates (then 12.99% to 22.99% variable)
Balance transfer APR0% intro for the first 15 statement closing dates (then 12.99% to 22.99% variable)
Recommended minimum credit score580

Review by

Kliment Dukovski is a credit cards and investments 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

This card differs from the standard BankAmericard® Credit Card in one major way — it’s made for students. Using the card, you’ll get one of the longest intro APR periods on balance transfers and purchases offered by any student credit card. That makes this card great for saving money on interest and for building credit.

That said, you won’t earn rewards on purchases made with the card.

How to apply for the BankAmericard® Credit Card for Students

  1. Visit the Bank of America website and find the BankAmericard® Credit Card 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 score of 580 or higher, or with a limited credit history.

Card benefits

  • Intro APR period.
    You’ll get a 0% intro APR period for 15 statement closing dates on purchases and balance transfers made within the first 60 days of card membership. After that, a variable APR of 12.99% to 22.99% applies.
  • Free FICO score.
    You can build your credit and monitor your progress with free access to your FICO score either online or through your mobile app.
  • No annual fee.
    You won’t pay an annual fee to own the card.

What to watch out for

  • No signup bonus.
    You won’t earn any bonus points or cash back upon signup.
  • No rewards program.
    You won’t earn any rewards making purchases with this card.
  • Foreign transaction fees.
    You’ll incur a 3% fee of the amount of each transaction you make with the card abroad.

Compare student credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Chase Freedom® Student Credit Card
14.99% variable
Earn 1% cash back on all purchases with this no-annual-fee student credit card.
Deserve® Edu Card
18.74% variable
Designed for college students to build credit history and earn rewards.
Citi® Secured Mastercard®
Starting at $200
22.49% variable
New to credit
A no annual fee secured card for people who are new to credit or have limited credit history.

Compare up to 4 providers

Bottom line

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 rewards on your purchases.

If you’re looking for a different type of card, make sure to compare other student credit card options.

Frequently asked questions

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