BankAmericard^® credit card for Students Review

Last Updated on August 24, 2026

Offer Rating

4/ 5

By Our Content Team

A simple card with no annual fee and 0% intro APR periods, the BankAmericard^® credit card for Students is a solid choice for any student looking to save money by avoiding high interest rates.

Editor

4.0

CompareCredit Score

Current Offer
0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 14.99% - 25.99% Variable APR on purchases and balance transfers. A balance transfer fee of 5% of the amount of each transaction applies.

on Bank of America's secure site

Intro APR0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. A fee of 5% of the amount of each transaction applies to all balance transfers.
Regular APR14.99% - 25.99% Variable APR on purchases and balance transfers
Extra PerksThis card has no penalty APR – paying late won't automatically raise your interest rate. Other account pricing and terms apply.
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Product Details

Select to apply online
0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.

No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Select to apply online
0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.

No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Top Rated For

Best Student Credit Cards

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

4/ 5

By Our Content Team

Key Benefit

Save on interest with this card's extra-long 0% intro APR offers and build your credit history with responsible use.

This card stands out among credit cards for students thanks to its extra-long 0% intro APR offers. The BankAmericard^® credit card for Students gives cardholders 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days – that's nearly two years of not having to worry about interest. If you’re a student looking to finance a large expense and spread payments out over time without paying interest, or hoping to move existing debt from a higher-interest card and pay it down more efficiently, this could be an excellent option. The ongoing interest rate is 14.99% - 25.99% Variable APR on purchases and balance transfers, which remains competitive compared to many similar cards. A fee of 5% of the amount of each transaction applies to all balance transfers.

Additionally, this card has no annual fee and no penalty APR – a valuable perk for students, since a late payment won’t automatically increase your interest rate. When used responsibly, the BankAmericard^® credit card for Students can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Overall, this card offers a strong combination of long-term interest savings, flexibility, and credit-building potential, making it a solid choice for students focused on managing money wisely.