$0
Annual fee
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Card reviewBank of America
Updated Aug 2, 2026 · research
Bank of AmericaBofA Rewards
Bank of America® Travel Rewards Credit Card for Students
Earn unlimited 1.5 points for every $1 spent on all purchases with no annual fee and no foreign transaction fees, tailored for students.
Entry LevelPersonal
Visa
$0
Annual fee
1.5x pts all purchases
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 25,000 points
Spend $1,000 in 90 days
Verifiedprimary
Card Offers
public
Earn 25,000 points
Spend $1,000 in 90 days
primary
Earning Rates
All Purchases
1.5xpoints
Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time.
Pros & Cons
Pros
- No annual fee
- Unlimited 1.5 points per dollar on all purchases
- 0% intro APR for 15 billing cycles on purchases and qualified balance transfers
- No foreign transaction fees
- 25,000-point welcome bonus after $1,000 spend
Cons
- Flat rewards rate with no bonus categories
- Balance transfer intro rate limited to first 60 days
- High variable APR up to 27.49% after intro period
- Redemptions limited to statement credits for travel and dining
Key Takeaways
- Earn 1.5 points per $1 on every purchase with no caps
- 25,000-point bonus worth $250 after $1,000 in 90 days
- 0% intro APR for 15 billing cycles on purchases and early balance transfers
- No annual or foreign transaction fees
- Flexible redemptions for broad travel and dining categories as statement credits
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction 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.
Card Benefits
4 benefits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for this card?
The card has no annual fee. This keeps ownership costs at zero per year.
What rewards does the card earn?
It earns unlimited 1.5 points per dollar on all purchases everywhere. There are no bonus categories or spending caps.
What is the welcome bonus?
Cardholders earn 25,000 points, worth $250 in statement credits, after spending $1,000 within the first 90 days. This offer is available on the product page.
What are the intro APR details?
A 0% intro APR applies to purchases for the first 15 billing cycles. Balance transfers made within the first 60 days also get 0% intro APR with a 3% fee; standard 5% fee applies after.
How do points redeem?
Points redeem as statement credits for flights, hotels, vacation packages, cruises, rental cars, baggage fees, and restaurants including takeout. There are no blackout dates or website restrictions.
Does the card charge foreign transaction fees?
No foreign transaction fees apply to purchases made outside the United States.
Do points expire?
Points do not expire as long as the account remains open. Closing the account causes points to expire.
What credit score is needed?
The card targets fair credit scores. It suits students building credit.
What balance transfer fees apply?
A 3% intro fee applies to transfers within the first 60 days. After that, a standard 5% fee applies.
What additional benefits are offered?
Access Better Money Habits financial education and the Mobile Banking app for account management. These tools target students.
About This Card
This card fits students with fair credit seeking simple travel rewards and an intro APR period without fees. It supports credit building with educational tools.
Start building a successful financial future today while earning unlimited 1.5 points for every $1 you spend on all purchases. Enjoy no annual fee and no foreign transaction fees on purchases while earning points to use for statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees, and also at restaurants – including takeout.
It differentiates in the entry-level tier with student-focused education tools and a 15-cycle intro APR on purchases among travel rewards cards.
Ready to Decide?
Apply for the Bank of America® Travel Rewards Credit Card for Students
Earn 25,000 points with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
Data Collection
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- 4 of 4 benefits rated high confidence
- 4 source citations across benefits
- 1 of 1 offer verified
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