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Bank of America® Customized Cash Rewards Credit Card for Students vs One Key+™ Card
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Bank of America | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | student | travel |
Card Tier Data: 2/2 cards | Entry Level | Mid Tier |
Credit Score | — | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $99 |
Foreign Transaction Fee | — | None |
Purchase APR | 17.49% – 27.49% | — |
Intro APR | 0% for 15 months | — |
| Rewards | ||
Welcome Bonus | Earn $200 | Earn $350 |
Reward Rate Data: 2/2 cards | 6% back on choice category (first year) | 3% back on dining |
Reward Program Data: 2/2 cards | Bank of America Cash Rewards | One Key |
| Earning Rates | ||
| All Other Purchases | 1% backUnlimited 1% cash back on all other purchases. | — |
| Choice Category (First Year) | 6% backFirst year bonus. Choice categories: gas & EV charging, online shopping (including cable, internet, phone, streaming), dining, travel, drug stores, or home improvement. Combined with grocery/wholesale clubs up to $2,500/quarter. | — |
| Choice Category (Standard) | 3% backAfter the first year. Choice categories: gas & EV charging, online shopping (including cable, internet, phone, streaming), dining, travel, drug stores, or home improvement. Combined with grocery/wholesale clubs up to $2,500/quarter. | — |
| Dining | — | 3% backAt retailers whose Mastercard merchant code is classified as eating places, restaurants, fast food, drinking places, and caterers. |
| Expedia, Hotels.com and Vrbo | — | 3% backEarned on eligible bookings through the U.S. version of the sites. |
| Gas stations | — | 3% backAt retailers whose Mastercard merchant code is classified as gas stations, automated fuel dispensers, and EV charging stations. |
| Grocery Stores & Wholesale Clubs | 2% backCombined with choice category up to $2,500/quarter. | — |
| Grocery stores | — | 3% backAt retailers whose Mastercard merchant code is classified as grocery stores, supermarkets, delis, and bakeries. |
| Other purchases | — | 2% backOn all other net purchases. |
| Benefits | ||
Key Benefits |
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