Bank of America Student Credit Cards

Pros and cons

How to apply for Bank of America student credit cards

To apply for Student credit cards from Bank of America the easiest way is online.

1. Go to the Bank of America website;

2. Click on the "Credit Cards" button;

3. Go to the "Cards for Students" tab;

4. Choose the card you want to apply for by comparing;

5. Click the "Apply Now" button;

6. Enter your personal info or sign into your account;

7. Attach documents to prove residency and bank account;

8. Submit.

Bank of America will contact you once a decision is made. If approved, the card will be sent in 7-10 business days.

Application requirements

To apply for a student credit card from Bank of America you must:

• Be at least 18 years old to sign the agreement;

• Provide proof of income from any source;

• Have a 640+ credit score;

• Be a US citizen;

• Have a Bank of America account.

Bank of America does not offer credit cards that can be applied with a co-signer so you must meet the criteria yourself.

Terms and conditions

Students don’t have many options for credit cards and building credit. Bank of America student credit cards is one of the few that allows you to establish credit and earn cash rewards and travel points. You can save money on purchases without paying an annual fee on your credit card.

Bank of America student credit cards are:

• Bank of America Unlimited Cash Rewards for Students

• Bank of America Customized Cash Rewards for Students

• BankAmericard for Students.

The cards have some common features:

• $0 fraud liability protection. You’re not responsible for unauthorized transactions from your card.

• Contactless chip technology to use at contactless locations.

• Overdraft protection is optional and for Bank of America checking accounts.

• Get paperless statements. Receive statements digitally.

• Check your FICO credit score through Mobile Banking app or Online Banking.

• Account alerts to notify you of account changes via email, texts and mobile app.

• Online Banking and Mobile Banking app to view transactions, pay bills and transfer funds.

• Digital Wallet to use the card with Apple Pay, Google Pay and Samsung Pay.

Pay off debt

To pay back your student credit card you can use the Bank of America mobile app.

1. Log in;

2. Click "Make a Payment";

3. Enter the amount and submit.

You can also use the website and Online Banking dashboard. Use the "Bill Pay" menu to transfer from another institution or the "Transfer | Send" menu to transfer from your Bank of America account.

Penalty APR up to 29.99% based on creditworthiness.

Editoral opinion

Additional Resources

• Bank of America Review
• Bank of America Account Review
• How to PayOff Bank of America
• Bank of America Mobile App

Sources

• Bank of America Website