Access your FICO Score for free within Online Banking or your Mobile Banking app. To qualify for a student credit card with Bank of America, you need to have at least a 640 credit score. The Bank of America student credit cards don't have maximum limits. Bank of America nor Zelle offers a protection program for any authorized payments made with Zelle. Last 4 digits of Social Security number *. Wireless carrier fees may apply. 0% introductory APR on new purchases and balance transfers for 18 billing . Just a dollar-for-dollar match. Relationship-based ads and online behavioral advertising help us do that. These ads are based on your specific account relationships with us. Credit Score: 600 Credit Limit: 500 Age: 18-24. The categories of choice are gas, online shopping, dining, travel, drug stores or home improvement/furnishings and can be changed once each calendar month via the Bank of America Mobile App or Online Banking. We apologize for any inconvenience. Relationship-based ads and online behavioral advertising help us do that. Credit cards are issued and administered by Bank of America, N.A. For instance, someone studying abroad may be more focused on avoiding foreign transaction fees. We recommend that you do not use Zelle to send money to those you do not know. Without additional cash-back rewards or major additional perks, the only benefit to having the Chase Freedom Student is that of any student card: the ability to build stronger credit and learn healthy spending habits while working toward a better card. No other redemption methods qualify for automation. Are you sure you want to rest your choices? If you opt out, though, you may still receive generic advertising. Get cash from a Bank of America ATM using your phone. Helping students build financial confidence. Better yet, the card has no annual fee, making the card an all-around solid choice for students interested in earning cash back while building good credit habits and financial history. After the intro APR offer ends, 17.74% 27.74% Variable APR will apply. Please refer to your Personal Schedule of Fees for details. Our ratings take into account the cards rewards, fees, rates along with the cards category. If necessary, the lender will contact you to clarify the details. To learn more about relationship-based ads, online behavioral advertising and our privacy practices, please reviewBank of America Online Privacy Noticeand ourOnline Privacy FAQs. If you opt out, though, you may still receive generic advertising. There's no minimum spending or maximum rewards. A Student is defined as an account owner who is both enrolled in school or an educational or vocational program and under 25 years old. This card also offers some other features you may find helpful. 17.74% - 27.74% Variable APR on purchases and balance transfers. Any virtual cards linked to the locked card will also be locked. Bank of America, N.A. Whether youre saving for your emergency fund, a car, a house or college, we have an account that can help you pursue your financial goals. The Bank of America Cash Rewards for Students card delivers a maximum of $300 cash back reward in its limited earn categories and so does the Discover it Student Cash Back. We're sorry, this page is temporarily unavailable. There is a 25,000 online bonus points offer after you spend $1,000 in the first 90 days. Highest rewards rate. Define the conditions and choose an appropriate bank card, Specify the loan term for the calculation. Chauncey grew up on a farm in rural northern California. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. 2022 Bank of America Corporation. See the Online Banking Service Agreement at www.bankofamerica.com/serviceagreement for further details. After that, youll earn 1% cash back on the rest of your purchases in those bonus categories. In order to estimate this cards rewards, we have to make some assumptions about typical college student expenses. However, all credit card information is presented without warranty. You can take advantage of this offer when you apply now. If you want affordable rates, it's best to shop around and compare quotes from different lenders. The website is easy to navigate and I like the app too. Almost no documents are needed, it's true Spotloan is like a good old friend to me. The Bank of America Student Cash Rewards card credit score requirement is fair credit. Message and data rates may apply. Keep the Change is not available for Small Business debit cards. Information about paying for collegefor all phases of planning. After the Intro APR expires, your interest rate will be from 16.99% to 26.99% APR. Preferred Rewards members earn 25%-75% more points on every purchase. I always try to make payments on time, so I usually have no problems with creditors. While it has un Alliant Credit Union Visa Platinum 2022 Review. 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and 1% cash back on all other purchases. The 3% cash-back category options are fairly broad. Note that we cannot reply to questions asked via this form. Something went wrong. The application you've requested is currently unavailable; our system may be undergoing maintenance or the offer may have expired. Programs, rates, terms and conditions are subject to change without notice. A smart start for students. Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere. Bank of America Customized Cash Rewards credit card for Students, Bank of America Travel Rewards credit card for Students, Image: Man smiling while looking at his phone, Image: Young person smiling as they look at their Wells Fargo credit card and consider a credit limit increase. Send your application online to the suggested companies. The penalty APR can get up to 29.99% based on your creditworthiness. No annual fee and no expiration on rewards. No paper check writing available with this account setting. These are provided as guidelines only and approval is not guaranteed. Based on the lender, we found that home equity line of credit rates in the state range from 0.99% to 18%. Bank of America offers multiple student-focused credit cards for you to choose from. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. The Bank of America Travel rewards credit card for students has no annual fee, and no fee for foreign transactions is applied. Student credit cards from Bank of America come with an introductory APR of 0% for the first 18 billing cycles for purchases and for 60 days for balance transfers. Bank of America doesn't have credit cards you can apply for with a co-signer, so you need to qualify for the criteria yourself. This benefit is available only for primary cardholders with an open and activeconsumer credit card account who have a FICO Score available. We will offer you tocheck your credit score online for free. Annual fee: $0. The points earned with the Travel Rewards for Students card can be redeemed for a statement credit against travel purchased any way youd like without being limited to specific airlines or restricted by blackout dates. Students who want to maximize rewards and are willing to tolerate a card with a more complex system of cash back rewards may opt for the Bank of America Customized Cash Rewards credit card for Students, which earns 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. Bank of America Customized Cash Rewards credit card for Students. Earn an unlimited 1% on all other purchases. This feature is available on the Mobile Banking app for iPad, iPhone and Android devices. Enjoy key features like Online Banking with Bill Pay plus Mobile Banking on your mobile device.**. This card application is unavailable. Track your rewards, deals and benefits and discover additional ones. The Bank of America Customized Cash Rewards credit card for Students could be a logical fit for students seeking a rewarding way to build credit, learn healthy spending and credit habits and who arent interested in seeing those rewards limited to travel use. Data connection required. Bed Bath & Beyond Welcome Rewards Mastercard 2022 Review. Activate your deals, even on the go. All Rights Reserved. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. Also, if you opt out of online behavioral advertising, you may still see ads when you sign in to your account, for example through Online Banking or MyMerrill. It is very convenient to use your account on the site My experience with getting a personal loan from this company was quite pleasant. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. BankAmericard for Students allows you to get Intro APR and 14.99%-24.99% APR after the introduction period expires. A 3% fee (min $10) applies to all balance transfers. Dollar and frequency limits apply. Wireless carrier fees may apply. At a return rate of 1.5% on typical annual expenses of $13,640, the average college student could . It is important for me that everything is legal and stable Arrowhead Advance gave me cash very quickly and simply.To be honest, I didn't expect it from a lender company. Footnote. Either of these cards could be a solid choice to add to your wallet depending on your needs. 3% cash back in one category of choice. Activate cash back deals from your favorite stores, restaurants and brands, Shop with an eligible Bank of America debit or credit card, Earn cash back, and your account will be automatically credited, Enroll your Bank of America debit card and use it for everyday purchases, Well round up your purchase to the nearest dollar amount and transfer the change from your checking to your savings account, The Unlimited Cash Rewards card lets you earn unlimited 1.5% cash back on all purchases, The Customized Cash Rewards cardlets you earn cash back on all of your purchases with 3% cash back in the category of your choice, The Travel Rewards cardlets you earn unlimited 1.5 points for every $1 spent on purchases that you can redeem toward travel and dining purchases. Credit and collateral are subject to approval. How to qualify as a Student: For Bank of America Advantage SafeBalance Banking and Bank of America Advantage Savings, when you notify us an owner of one or more of these accounts is a Student, we will waive the monthly maintenance fee on such account(s) for each statement cycle during which such owner of the account qualifies as a Student. Plus, we're there for you when you need us with thousands of financial centers and ATMs. Contactless Cards The security of a chip card, with the convenience of a tap. Bank of America Customized Cash Rewards credit card for Students. 2 How to qualify as a Student: For Bank of America Advantage SafeBalance Banking when you notify us an owner of this account is a Student, we will waive the monthly maintenance fee on such account . Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options. at the issuer'ssecure website. With the standard set of Bank of America extras like paperless statements, online banking and mobile app account management, contactless payment and digital wallet technologies, the card integrates the standard features of any card but doesnt provide anything to sweeten the deal in the benefits area. With an unlimited 1% cash back on all purchases and no low introductory APR or any other rewards earning beyond a relatively small welcome bonus, the Chase Freedom Student demonstrates how much the Cash Rewards for Students card does actually offer. For information about rates, fees, other costs and benefits associated with the use of these cards or to apply, see an associate. Balance transfer must be completed within 60 days of opening account. But credit card rewards shouldnt be the only thing you consider. Helping our customers meet their financial needs is important to us. ZIP code *. To get a value of 1 cent per point, you can only redeem your points for a travel or dining statement credit. Or turn $100 into $200. Data connection required. NeitherBank of America nor Zelle offers a protection program for any authorized payments made with Zelle. Show MoreShow LessBank of AmericaCustomized Cash Rewards credit card for Students. Forbes Advisor made estimations based on research from various government agencies. This contrasts sharply with the Bank of America Customized Cash Rewards credit card for Studentss more generous welcome bonus. The feature is accessible through Online Banking, the mobile website, and the Mobile Banking app for iPhone and Android devices. A 3% fee (min $10) applies to all balance transfers. Helps to keep you from spending more than you have in your account 3 without overdraft fees. All ratings are determined solely by our editorial team. No annual fee and no expiration on rewards. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency. With the Bank of America Customized Cash Rewards credit card for Students, you'll earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of . Purchase intro APR: 0 percent for 12 billing . Regular account fees apply. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. BoA Cash Rewards Credit Card for Students Review. Insurance related services offered through Credit Karma Insurance Services, LLC, which does business in some states as Karma Insurance Services, LLC. Traditionally, students trying to build credit werent given a large array of options when it came to cards that earned rewards, but with the Bank of America Customized Cash Rewards credit card for Students students can start earning rewards, just with a few extra limitations. This quarterly limit caps the maximum total reward in both 2% and 3% earning categories at $300 in cash backand thats only if maximum spend is accomplished only in choice categories before spending at grocery stores or wholesale clubs at all. The mobile application works flawlessly. Compare Bank of America student credit cards. Balance . Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points dont expire. $50 bonus after the first purchase made within the first 3 months from account opening. This card can be a better option for students who don't want to keep track of . Reasonable efforts are made to maintain accurate information. Bonus earning is limited to the first $2,500 in the 3% and 2% categories combined each quarter. Transactions between enrolled users typically occur in minutes and transactions between enrolled consumers do not typically incur transaction fees. Terms and conditions apply. No blackout dates or restrictions apply, and points never expire. While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. The FICO Score Program is for educational purposes and for your non-commercial, personal use. Before you leave, please take a moment to answer these 4 simple questions. After checking your credit rate, you will be able to send your loan application to the appropriate companies. New longer intro period! The Bank of America Travel Rewards credit card for Students offers a simple way to earn rewards. The welcome bonus from the Bank of America Cash rewards card is static, but in lieu of a welcome bonus the Discover it Student Cash Back will match all cash-back earned at the end of the first year. All Rights Reserved. The Spending & Budgeting tool is currently available to clients with a personal checking or savings account, credit card, a linked Merrill investment account, as well as a Small Business checking or savings account. The Travel Rewards for Students card offers a straightforward and unlimited 1.5 points per dollar on all purchases everywhere, every time with no expiration on points and a welcome bonus: 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening. Data connection required. Low Introductory APR Offer. MM/DD/YYYY. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. A 3% fee (min $10) applies to all balance transfers. Please try again later. The service was fast, no one asked about any collateral or my creditworthiness. FICO Score Program. We may cancel or modify the Keep the Change service at any time without prior notice. Choose the card you want to apply for by comparing; Provide your personal info or sign into your account; Attach your documents to prove residency and provide your bank account details; Bank of America will contact you once it makes a decision. Your financial situation is unique and the products and services we review may not be right for your circumstances. Rewards dont expire unless the account is closed. No Monthly Maintenance Fee for Students under 25 2. With the Bank of America Customized Cash Rewards credit card for Students, youll earn 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. Box 30963, Oakland, CA 94604, Image: Students using laptop together outdoors, Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on Reddit (Opens in new window), Click to email a link to a friend (Opens in new window). It's pretty simple, actually. No overdraft fees - helps keep you from spending more than you have. There is a late fee, and it can get up to $40. Checkless banking with flexible ways to pay. Bank of America Unlimited Cash Rewards for Students has an unlimited 1.5% cash back rate on all purchases with no expirations. Where things get complicated is in redeeming your points. Use this account with our digital tools such as low-balance alerts, security alerts1 and more. Most of the same features apply, including the same introductory APR for purchases and balance transfers. California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868. That's why we provide features like your Approval Odds and savings estimates. With its category-based rewards structure, solid welcome bonus and a nice introductory APR period, the Customized Cash Rewards for Students card can be a great building block for a student to build credit while learning how to manage their spending. Balance transfer must be completed within 60 days of opening account. Bank of America Travel Rewards for Students earns unlimited 1.5 points for each $1 spent on any purchase. " The Bank of America Cash Rewards Credit Card for Students is a solid rewards card that lets students choose their top-earning cash back category each quarter." - Toby Sembower, 9/7/2022 . BEST OVERALL RATING 4.5. WHAT WE'RE GEEKING OUT ON. The Forbes Advisor editorial team is independent and objective. Upon enrollment, we will round up your Mastercard or Visa debit card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America savings account. That means you could earn up to 2.62 points for every $1 you spend, everywhere, every time. I like that you get to see your FICO score and you get alerts when it is ready for viewing. You can also use the website and the Online Banking dashboard. There is a $0 Liability Guarantee for security. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. I quickly received approval At first, I liked everything in this company. The Bank of America Cash Rewards for Students offers a 0% introductory APR for 18 billing cycles on purchases and balance transfers, after that a variable APR of 17.74% - 27.74% applies. There's no minimum spending or maximum rewards. The card also earns 1% cash back on all other purchases. Credit American Airlines AAdvantage elite status: What each tier offers, 1.5 points for every $1 spent on purchases, $200 cash rewards bonus after spending $1,000 in purchases within the first 90 days of account opening, 25,000 bonus points after spending $1,000 in purchases within the first 90 days of account opening. When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Schedule time thats convenient for you. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. After the intro APR offer ends, a Variable APR that's currently 16.99% to 26.99% will apply. Bonus earning is limited to the first $2,500 in the 3% and 2% categories combined each quarter. Data connection required. BankAmericard for Students is 2022's best student credit card for financing, offering 0% introductory APRs on both new purchases and balance transfers for the first 21 months your account is open. Your responses will help us improve the Bank of America digital experience for all our customers. The Discover it Student Cash Back offers a slightly different cash-back scheme, earning 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum once activated. Those considering using the card to transfer balances should be aware that the card charges a balance transfer fee, so we recommend doing the math to make sure a transfer makes sense. Youll earn 1.5 points for every $1 of purchases you make. After the Intro APR expires, your interest rate will be from 16.99% to 26.99% APR. In this situation, the full payment may go through and result in a negative balance on your account, but we will not charge you an overdraft fee. On our website you can fill out ashort application form for a credit card. An additional reward to consider is the welcome offer: $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. After that, a standard APR of 17.74% - 27.74% variable on purchases and balance transfers will apply. Image: A woman wearing a straw hat and holding a credit card sits next to her luggage at an airport and uses her smartphone to review her American Airlines elite status benefits. When you place a lock on your debit or ATM card via Online or Mobile Banking, it will prevent most types of card transactions from being processed until you take action to unlock your card. Image: Closeup of somebody using a credit card to pay for a meal at a restaurant, Image: Young family in front of their Airbnb rental, children holding hands and running toward the camera. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices. State how much you want to pay and submit the request. Earning 2% on grocery spending of $1,574 earns an additional $31.48 cash back, and remaining spending of $10,492 earns $104.92 for a total of $183.62 cash back each year. Other helpful features of the Bank of America Customized Cash Rewards credit card for Students include . Major retail credit card from a nationally well-known company; U.S. Department of State Diplomat ID; Mexican Voter Registration Card (with photo) . Posted 10/10 2016. If you prefer that we do not use this information, you mayopt out of online behavioral advertising. Rewards categories. The card is a useful starter cash-back card, but fails to deliver when it comes to extra benefits. It doesnt have an A newer entry into the busy business credit card market, the comes with some big asks and few rewards available to a limited audience. Such things are always annoying Before taking out a loan, I compared Spotloan with other lenders and found out that their rates are the most acceptable. Checkless banking 4 with digital payment options. Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. The card also offers a solid welcome bonus and introductory APR. Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). With the Bank of America Customized Cash Rewards credit card for Students, you'll earn 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. To qualify for a student credit card from Bank of America, you need the following: To be at least 18 years old to sign the agreement; Provide proof of income from any kind of legal source; Have a bank account with Bank of America. If these Bank of America student credit cards dont fit your specific needs, consider these cards as an alternative. APR for cash advances and penalty APR ranges from 19.99% to 29.99%. We strive to provide you with information about products and services you might find interesting and useful. You will get 2% cash back on grocery shopping and wholesale clubs spendings and 1% cash back on other purchases. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. No monthly maintenance fee for Students under 25. The card offers a similar 0% introductory APR for 18 billing cycles on purchases and balance transfers made within 60 days of opening the account. A 3% fee (min $10) applies to all balance transfers. Increase your chances of getting money fill out a multi-application with a free credit rating check. Choose the credit card that works for you: Graduate to the next phase of life with expert tips from Better Money Habits. Allrightsreserved. Balance transfers must be made within 60 days of opening the account to qualify for the intro balance transfer APR. Those students who plan to travel abroad may prefer the Bank of America Travel Rewards credit card for Students. Credit Karma receives compensation from third-party advertisers, but that doesn't affect our editors' opinions. 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. Either $10 or 3% of the amount of each transaction, whichever is greater. Choose a mortgage according to your needs. An easy way to make everyday purchases part of your savings plan. This suggests fraud. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You're continuing to another website that Bank of America doesn't own or operate. Credit Score ranges are based on FICO credit scoring. A balance transfer fee of either $10 or 3% of the amount of each transaction, whichever is greater, applies, an uncommon feature in a student card. Take advantage of our credit card selection system withafree credit check! Bank of America Customized Cash Rewards for Students earns 3% cash back on the category of your . OVERALL RATING. Its limited rewards and redemption Information provided on Forbes Advisor is for educational purposes only. Use your card to book your trip how and where you want youre not limited to specific websites with blackout dates or restrictions. I needed a payday loan and they offered a good alternative. Use the "Bill Pay" menu to make transfers from another financial institution, or the "Transfer | Send" menu to make transfers from your Bank of America account. The Bank of America Unlimited Cash Rewards credit card for Students offers eligible applicants a 0% introductory APR for 18 billing cycles for purchases and balance transfers made within 60 days . Just add your debit card to your Digital Wallet and look for the contactless symbol at our ATMs. A capped 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. Convenientand secure features available at your fingertips. For your security, please enter the following information just as it appeared on your credit card application. In that case, the Bank of America Travel Rewards credit card for Students may be a better choice, since it doesnt charge these fees. They all come with no annual fees. The Bank of America Unlimited Cash Rewards Credit Card for Students skips over the bonus categories in favor of a flat 1.5% cash back for everything you buy. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Wireless carrier fees may apply. There is a 0% introductory APR for purchases for the first 15 billing cycles (after, it's 15.49% to 25.49% variable APR). To apply for a Bank of America credit card, you'll need your personal information, including Social Security number and total annual income. That means it may not be the best choice if you plan to use the card while studying abroad. New Offer: 0% Intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. You can take advantage of this offer when you apply now. Take a close look at your specific situation to figure out which card features are most important to you. This date may not reflect recent changes in individual terms. In short, the Bank of America Student Credit Card should be your go-to choice for avoiding interest on big-ticket . You must be enrolled in Online Banking or Mobile Banking to participate in the BankAmeriDeals program and have either an eligible Bank of America debit or credit card or Merrill credit card. Locking your card is not a replacement for reporting your card lost or stolen. To determine what card is the best for you, compare them on the Bank's website. A tap to pay debit card that can be used in stores, online or in your Digital Wallet. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. A balance transfer fee of either $10 or 3% of the amount of each transaction, whichever is greater, applies. Additionally, transactions that occurred prior to locking the card will not be affected. Footnote. First 5 digits required. Unfortunately, your cash back for the 3% and 2% bonus categories is limited to the first $2,500 in combined purchases each quarter. But you could get it even with a limited credit history, which means less than 3 years of financial activity. By submitting your feedback, you agree Bank of America, its affiliates and any authorized parties may use, commercialize or reproduce the feedback without restriction or any compensation to you. Transfers require enrollment in the service with a U.S. checking or savings account and must be made from an eligible Bank of America consumer or business deposit account. Open an eligible personal checking account* and show your pride in your profession with every debit card purchase. After the intro APR offer ends, 17.74% 27.74% Variable APR will apply. Overall Rating: This was the first card I got when I was a freshman. The Chase Freedom Student offers $50 bonus after the first purchase is made within the first 3 months from account opening. Rewards rate: 1.5X points on all purchases. Credit Karma Mortgage, Inc. NMLS ID# 1588622|, Credit Karma Offers, Inc. NMLS ID# 1628077|. On 12.12.2022 you have access to 3 credit cards. Sallie Mae Credit Cards: Which one is right for How to get a Wells Fargo credit limit increase. One nice thing about this card is that you dont have to worry about bonus categories or reward caps. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Message and data rates may apply. Access your FICO Score for free within Online Banking or your Mobile Banking app. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. Complex to manage. This is not a commitment to lend. 2022 Forbes Media LLC. Free access to FICO credit score information helps to analyze the dynamics and factors . The minimum limit is $500. 4.4. The student version of the Bank of America Unlimited Cash Rewards Visa earns unlimited cash back of 1.5 percent on all eligible purchases just like the non-student version of the card. Bank of America Advantage Plus Banking, Bank of America Advantage SafeBalance Banking, BankAmerideals, Keep the Change, Bank of America Life Plan, Erica, Better Money Habits, Bank ofAmerica and the Bank of America logo are registered trademarks of the Bank of America Corporation. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. So you could turn $50 cash back into $100. Bank of America does not charge for this service but your mobile carriers message and data rates may apply. Zelle should only be used to send money to friends, family or others you trust. Bank of America Customized Cash Rewards for Students earns 3% cash back on the category of your preference. We think it's important for you to understand how we make money. Commissions do not affect our editors' opinions or evaluations. A . New longer intro period! The Bank of America Customized Cash Rewards credit card for Students earns 3% cash back in a chosen category. Sit back and let us show you where we are. If you are approved, you will get the card in 7 to 10 business days. Merchant examples included. The BankAmericard credit card for Students offers a 0% intro APR on purchases and balance transfers for 21 billing cycles, followed by a regular APR of 15.74% - 25.74% variable. Equal Housing Lender. 20072022 Credit Karma, LLC. Then, pick the card that offers the best combination of features for your situation. Though were a fan of the credit unions other offerings, the is a just OK all-around card. There are also no foreign transaction fees, which could make it a great card to use while youre traveling or studying abroad. The card earns outsize Union Bank Platinum Visa Credit Card 2022 Review. Message and data rates may apply. If your savings account enrolled in Keep the Change is converted to a checking account, Keep the Change transfers will continue to be made into that account. With My Rewards, you wont miss out. We will send you an email alert with transaction details after you send money using Zelle. Most schools now allow tuition costs to be put on credit cardswouldnt it be nice to earn cash back or defer payments with a low introductory APR? If youre looking for the best credit card rewards, the Bank of America Customized Cash Rewards credit card for Students offers the highest earning rates. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. To maximize earnings, we chose dining, for which the typical college student spends $1,574 per year for a total of $47.22 cash back. Plus, automatically earn unlimited 1% cash back on all other purchases. The company is not licensed, is not a legitimate lender. This site may be compensated through third party advertisers. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. It offers: $200 initial bonus for purchases of at least $1,000 in the first 90 days of account opening. Bank of America has only four student credit cards. Earn an unlimited 1% on all other purchases. Bank of America makes redeeming rewards fairly straightforward while still providing plenty of options. The rating by Finanso is determined by our editorial team. A balance transfer fee of either $10 or 3% of the amount of each transaction, whichever is greater, applies, but doesnt charge foreign transaction fees. Maximize your rewards by learning more about the Bank of America Cash Rewards cash back categories and exclusions. Intro Offer: Unlimited Cashback Match - only from Discover. Learn More. Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Also, if you opt out of online behavioral advertising, you may still see ads when you log in to your account, for example through Online Banking or MyMerrill. One or more of the cards you chose to compare are not serviced in English. Fiduciary titled accounts, including UTMA / UGMA, do not qualify for the under the age of 18 or the Student waiver. Bank of America Customized Cash Rewards for Students, Submit your credit card application online, Bank of America Unlimited Cash Rewards for Students, Bank of America Travel Rewards for Students, 3. SoFi Credit Card review: Solid cash back for SoFi Are premium rewards cards worth the annual fee? Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening that can be a $250 statement credit toward travel purchases. If you prefer that we do not use this information, you may opt out of online behavioral advertising. Discover will automatically match all the cash back you've earned at the end of your first year! This compensation comes from two main sources. Please contact us directly if you have any account or service related issues. This card gives you the flexibility to choose your top cash back earning category at a rate of 3% cash back. 1. If youre looking to earn cash back, the Bank of America Customized Cash Rewards credit card for Students could be a good choice. Message and data rates may apply. Credit Karma is a registered trademark of Credit Karma, LLC. Earn 25,000 bonus points ($250 value) if you make at least $1,000 in purchases in the first 90 days of account opening. There is a $200 cash rewards bonus after you spend at least $1,000 in the first 90 days. To pay back on your credit card, you can use the Bank of America mobile application. Unfortunately, this card does charge a 3% foreign transaction fee. Last name *. 0621LL.FICO.Short.0816. After the intro APR offer ends, a Variable APR that's currently 16.24% to 26.24% will apply. It makes this card very convenient for booking hotels and flights, paying luggage fees, and other travel-related expenses. Bonus . Check status of my submitted application. Student credit cards from Bank of America come with an introductory APR of 0% for the first 18 billing cycles for purchases and for 60 days for balance transfers. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. The 3% category of choice and the 2% grocery store and wholesale club earnings are restricted to the first $2,500 in combined spending each quarter. AMSA Banking from Bank of America. The Bank of America Unlimited Cash Rewards credit card for Students earns an unlimited 1.5% cash back on all purchases, sparing cardholders from the extra work of keeping up with revolving bonus . Please call Member Support at 833-675-0553 or email legal@creditkarma.com or mail at Credit Karma, LLC, P.O. Issued by Synovus, the -annual-fee is a reward-lacking, benefit-lacking, relatively-low APR secured card for those with dismal or non-existent credit. Our job at Forbes Advisor is to score credit cards and weve ruled that the should sit out the rest of the game. This site is protected by reCAPTCHA and the GooglePrivacy Policy and Terms of Service apply. The decision as to which system is better will depend on expected spending habits. These ads are based on your specific account relationships with us. 1.5 points for every $1 spent on purchases. You may elect to receive alerts via text or email. If youre looking for a medium-length introductory A First Progress Platinum Select Mastercard Secured Credit Card 2022 Review. Bank of America Unlimited Cash Rewards Credit Card for Students, Low Intro APR Balance Transfer Credit Cards, Interstitial Link: language-change | Placeholder - hidden, Credit Cards with No Foreign TransactionFees. The offers for financial products you see on our platform come from companies who pay us. Date of birth *. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesnt affect. Talk to an associate about additional savings, credit card optionsand auto loansas well as ways to manage your accounts and more. Tips for international students, and more, When it makes sense to share expenses with your parents. The mobile feature, Erica, is only available in the English language. We apologize for the inconvenience. Member FDIC. The opinions you read here come from our editorial team. When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Apply for a Bank of America Student Credit Cards. 2. Regular account fees apply. This helps us verify that you're the applicant. This is just one scoring method and a credit card issuer may use another method when considering your application. Capital One Venture X Vs. Chase Sapphire Reserve, Bank of America Travel Rewards credit card for Students, Chase Sapphire Preferred Vs. Capital One Venture, Chase Freedom Unlimited Vs. Chase Slate Edge, 3 Ways To Get Your FICO Credit Score For Free, The 4 Best Apps To Track Credit Card Rewards, High to very high standard APR, depending on your credit. Its owner is solely responsible for the website's content, offerings and level of security, so please refer to the website's posted privacy policy and terms of use. You might be using an unsupported or outdated browser. The Bank of America Travel Rewards for Students card offers a 1.5% rewards rate on all purchases. If youre looking for a credit card with no balance transfer fee and well over a year of 0% APR, the merits your consideration. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. For example, when you use your debit card for a meal and then add a tip. With no annual fee, it's also $22 per year cheaper than the average credit card. Here's how it works: We gather information about your online activities, such as the searches you conduct on our Sites and the pages you visit. Earned cash back will be credited into an eligible consumer deposit or credit account within 30 days following redemption. BofA will also take other factors into consideration when looking at your application, such as your income, existing debts and overall creditworthiness. Bank of America applies transaction fees to credit cards. A smart start for students. This could happen if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. 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