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Last fact checked: Sep. 19, 2026

Best Bank of America Student Credit Cards

Bank of America’s student credit cards align with its most popular consumer options, including cash back, travel rewards, and the low-interest BankAmericard® credit card. These cards have no annual fee and report to all three major credit bureaus—an important feature for anyone using a first card to build credit history. Rewards are available on select cards, while the BankAmericard® credit card focuses on low interest rates. BofA Rewards™ bonuses may be available on eligible cards once you meet Bank of America’s balance requirements.

Bank of America Categories
All CardsCash RewardsTravelNo Annual FeeStudentBusiness

Bank of America® Travel Rewards credit card for Students

4.0
CompareCredit Score

on Bank of America's secure site

  • Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Earn unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
  • $0
  • Excellent/Good
  • Visa®
  • Select to apply online
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • Earn 3 points per $1 spent on travel purchases booked through BofA Travel.
  • Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
  • 0% Intro APR for 15 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 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • 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.

Review additional details for Bank of America® Travel Rewards credit card for Students

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Bank of America® Customized Cash Rewards credit card for Students

5.0
CompareCredit Score

on Bank of America's secure site

  • Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
  • $0
  • Excellent/Good
  • Visa®
  • Select to apply online
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Turn daily purchases into everyday wins. Simply use your Customized Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 0% Intro APR for 15 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 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • 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.

Review additional details for Bank of America® Customized Cash Rewards credit card for Students

More Info

Bank of America® Unlimited Cash Rewards credit card for Students

4.0
CompareCredit Score

on Bank of America's secure site

  • Earn a $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn unlimited 1.5% cash back on all purchases
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
  • $0
  • Excellent/Good
  • Visa®
  • Select to apply online
  • Limited Time Offer! $250 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • No annual fee.
  • Turn daily purchases into everyday wins. Simply use your Unlimited Cash Rewards credit card for the things you already buy - from gifts to groceries - BofA Rewards™ members earn more cash back.
  • 0% Intro APR for 15 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 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • 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.

Review additional details for Bank of America® Unlimited Cash Rewards credit card for Students

More Info

BankAmericard® credit card for Students

4.0
CompareCredit Score

on Bank of America's secure site

  • 0% 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.
  • 14.99% - 25.99% Variable APR on purchases and balance transfers
  • This card has no penalty APR – paying late won't automatically raise your interest rate. Other account pricing and terms apply.
  • $0
  • Excellent, Good
  • Mastercard®
  • 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.

Review additional details for BankAmericard® credit card for Students

More Info

About Bank of America Student Cards:


The Bank of America® Customized Cash Rewards credit card for Students is usually the strongest pick: 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

For students who’d rather not manage categories, the Bank of America® Unlimited Cash Rewards credit card for Students version earns unlimited 1.5% cash back on all purchases.

Additional Options:


If building credit history matters more than rewards, the BankAmericard® credit card for Students offers a long 0% intro APR and no penalty rate, which helps if an unexpected bill shows up mid-semester. For students studying or traveling abroad, the Bank of America® Travel Rewards credit card for Students has no foreign transaction fees.

Frequently Asked Questions:

Will Bank of America student cards help build my credit?
Yes. Bank of America reports credit card activity to all three major credit bureaus—Experian, Equifax, and TransUnion—so on-time payments and low utilization will build your credit history month over month.

What happens to my student card after I graduate?
In many cases, student credit cards can continue as standard accounts after graduation without requiring a new application, though features and terms may change over time.

Is the Bank of America® Customized Cash Rewards credit card for Students the same as the regular version?
The rewards structure is largely the same, with similar bonus categories and earning potential. The student version is designed for applicants with limited credit history, while the standard card may offer broader eligibility and features.