$0
Annual fee
See the card
Card reviewBank of America
Updated Aug 2, 2026 · research
Bank of America
BankAmericard® Credit Card for Students
Get on the path to building your credit and save money on interest, a great choice when you're just starting out.
Entry LevelPersonal
Mastercard
$0
Annual fee
—
Top rate
N/A
Foreign fee
N/A
Rating
Pros & Cons
Pros
- No annual fee
- 0% intro APR for 21 billing cycles on purchases and balance transfers
- $0 Liability Guarantee for fraud
- Chip technology for security
- Educational resources via Better Money Habits
Cons
- No rewards program
- 5% balance transfer fee
- Variable APR up to 25.99% after intro period
- Limited benefits beyond intro APR and basics
Key Takeaways
- 0% APR for 21 billing cycles on purchases and qualifying balance transfers
- No annual fee
- $0 Liability Guarantee protects against fraud
- Chip technology enhances security
- Better Money Habits offers credit education
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 14.99% - 25.99%0% intro APR for 21 months
- Balance Transfer APR
- 14.99% - 25.99%0% intro APR for 21 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
3 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 the BankAmericard Credit Card for Students?
The card has no annual fee. This applies every year.
What is the introductory APR offer?
There is a 0% introductory APR for 21 billing cycles on purchases and on balance transfers made within 60 days of account opening. After that, a variable APR of 14.99% to 25.99% applies.
Are there rewards with this card?
The card does not offer rewards on purchases. It focuses on introductory APR and credit building.
What credit score is needed to apply?
The card targets fair credit scores. It is designed for students building credit.
What security features does the card provide?
It includes a $0 Liability Guarantee for fraudulent transactions and chip technology for added security.
What is the balance transfer fee?
A 5% fee applies to all balance transfers. Balance transfers cannot pay Bank of America accounts.
What additional tools are available?
Online Banking and the Mobile Banking app allow account management. Better Money Habits provides credit education.
What happens after the intro APR ends?
A variable APR of 14.99% to 25.99% applies to purchases and balance transfers.
About This Card
This card suits college students with fair credit who need a no-fee option to build credit history using a long 0% intro APR on purchases and balance transfers.
Start building a successful financial future today. Features a low introductory APR for purchases and balance transfers, no annual fee, and tools to help students establish good credit habits and stay in control of their finances.
It stands out with a 21 billing cycle 0% intro APR and no annual fee tailored for students building credit.
Ready to Decide?
Apply for the BankAmericard® Credit Card for Students
Current offer available with no annual fee.
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Sources & Methodology
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