Bank of America® Customized Cash Rewards Credit Card for Students
Earn 6% cash back in your choice category for the first year (3% base + 3% bonus), 2% at grocery stores and wholesale clubs, 1% on all else, up to $2,500 combined quarterly in bonus categories. $200 bonus after $1,000 spend in 90 days. 0% intro APR for 15 billing cycles. No annual fee.
Annual Fee
$0
Top Earning Rate
0.06% back choice_category
Foreign Tx Fee
N/A
Rating
N/A
Current Welcome Offer
200 cashback
$200 estimated value
Spend $1,000 in 90 days
Card Offers
public
200 cashback
$200 estimated value
Spend $1,000 in 90 days
Earning Rates
3% base + 3% first-year bonus; choice: gas/EV charging, online shopping/cable/internet/phone/streaming, dining, travel, drug stores/pharmacies, home improvement/furnishings; changeable monthly via app/online
After first year
Combined cap with choice category
After quarterly cap in bonus categories
Pros & Cons
Pros
- No annual fee
- 6% cash back in choice category for first year
- 0% intro APR for 15 billing cycles on purchases and balance transfers
- $200 welcome bonus after $1,000 spend in 90 days
- Flexible monthly changeable choice categories
Cons
- Quarterly $2,500 cap on combined bonus category spending
- Cash back in choice category drops to 3% after first year
- High variable APR of 17.49% to 27.49% after intro period
- Balance transfer fees apply
Key Takeaways
- Earn up to 6% cash back in a choice category for the first year on up to $2,500 quarterly combined with groceries and wholesale clubs
- $200 bonus after $1,000 spend in 90 days
- 0% intro APR for 15 billing cycles
- No annual fee for students with fair credit
- Choice categories changeable monthly
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 17.49% - 27.49%0% intro APR for 15 months
- Balance Transfer APR
- 17.49% - 27.49%0% intro APR for 15 months
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Frequently Asked Questions
What is the annual fee for this card?
What are the cash back earning rates?
What is the welcome bonus?
What are the intro APR details?
What choice categories are available?
What are the balance transfer fees?
What credit score is needed?
About This Card
This card suits students with fair credit who want customizable cash back rewards and a long intro APR period to manage purchases or transfers while building credit.
Earn 3% cash back in choice category + 3% first-year bonus (6% total first year), 2% at grocery stores/wholesale clubs, 1% other, on first $2,500 combined choice+grocery/wholesale each quarter then 1%. Choice categories: gas/EV, online shopping, dining, travel, drug stores, home improvement. $200 cash rewards bonus after $1,000 purchases in 90 days. 0% Intro APR for 15 billing cycles on purchases and balance transfers within 60 days. Variable APR 17.49%-27.49%. No annual fee. 3% intro BT fee first 60 days, then 5%.
It differentiates in the student card tier with 6% first-year cash back in a customizable category and a 15-billing-cycle 0% intro APR.
Ready to Decide?
Apply for the Bank of America® Customized Cash Rewards Credit Card for Students
200 cashback, worth about $200 estimated value, with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
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Last updated:
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