Bank of America® Unlimited Cash Rewards Credit Card for Students
Earn unlimited 2% cash back on purchases for the first year, then 1.5% thereafter. $200 online cash rewards bonus after $1,000 in purchases in the first 90 days. No annual fee.
Annual Fee
$0
Top Earning Rate
2% back all purchases
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
for the first year from account opening
thereafter
Pros & Cons
Pros
- No annual fee.
- Unlimited cash back at 2% first year then 1.5% on all purchases.
- 0% intro APR for 15 billing cycles on purchases and balance transfers.
- $200 welcome bonus after $1,000 spend in 90 days.
- Rewards do not expire if account stays open.
Cons
- Cash back rate drops from 2% to 1.5% after first year.
- High ongoing APR of up to 27.49%.
- Balance transfer fee increases to 5% after intro period.
Key Takeaways
- Unlimited 1.5% cash back on all purchases after the first year at 2%.
- $200 bonus after $1,000 spend in 90 days.
- 0% intro APR for 15 billing cycles on purchases and balance transfers within 60 days.
- No annual fee and rewards do not expire with open account.
- Entry-level student card requiring fair credit.
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 rewards rates?
What is the welcome bonus?
What is the introductory APR offer?
What are the balance transfer fees?
Is this card suitable for students?
Does the card have purchase limits on rewards?
About This Card
This card suits college students with fair credit who want simple unlimited cash back rewards without an annual fee. It works well for those building credit through everyday spending.
Earn 2% cash back on purchases for the first year from account opening. Thereafter, unlimited 1.5% cash back on all purchases. No limit to cash back earned and rewards do not expire as long as account open. 0% Intro APR for 15 billing cycles on purchases and balance transfers made within first 60 days. Then variable APR 17.49%-27.49%. $0 annual fee. 3% intro BT fee first 60 days, then 5%.
It stands out among entry-level student cards with a long 15-billing-cycle 0% intro APR and unlimited flat cash back starting at 2% for the first year.
Ready to Decide?
Apply for the Bank of America® Unlimited 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
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
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