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Bank of America Student Credit Cards for february 2024

Apply for a Bank of America Student Credit Cards. On 27.02.2024 you have access to 4 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 4
Updated:
04.02.2023
08:31
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
Rate
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Effective interest rate on the product

18.24 – 28.24 %
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000

Credit Card Online Application of February 2024

Define the conditions and choose an appropriate bank card

Card limit
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Specify the loan term for the calculation

500 $
15000 $
$
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CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
Review

Terms and conditions

Student credit cards from Bank of America come with an introductory APR of 0% for the first 18 billing cycles for purchases and for 60 days for balance transfers.

After the Intro APR expires, your interest rate will be from 16.99% to 26.99% APR. 

  • Bank of America Customized Cash Rewards for Students earns 3% cash back on the category of your preference. You will get 2% cash back on grocery shopping and wholesale clubs spendings and 1% cash back on other purchases. There is a $200 cash rewards bonus after you spend at least $1,000 in the first 90 days.

  • Bank of America Unlimited Cash Rewards for Students has an unlimited 1.5% cash back rate on all purchases with no expirations. APR for cash advances and penalty APR ranges from 19.99% to 29.99%.

  • BankAmericard for Students allows you to get Intro APR and 14.99%-24.99% APR after the introduction period expires. There is a $0 Liability Guarantee for security.

  • Bank of America Travel Rewards for Students earns unlimited 1.5 points for each $1 spent on any purchase. There is a 25,000 online bonus points offer after you spend $1,000 in the first 90 days.

Pros and cons

Pros

  • You can improve or establish your credit

  • There is no annual fee

  • Many cards have welcome bonuses.

Cons

  • The APRs are high and variable

  • There is a late fee, and it can get up to $40

  • Bank of America applies transaction fees to credit cards.

Main requirements for applicants

To qualify for a student credit card from Bank of America, you need the following:

  • To be at least 18 years old to sign the agreement;

  • Provide proof of income from any kind of legal source;

  • Have at least a 640 credit score;

  • Be a US citizen;

  • Have a bank account with Bank of America. 

Bank of America doesn't have credit cards you can apply for with a co-signer, so you need to qualify for the criteria yourself. 

How to apply for a card

If you want to apply for Student credit cards from Bank of America, the easiest way is to do it online. 

  1. Access 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. Provide your personal info or sign into your account;

  7. Attach your documents to prove residency and provide your bank account details;

  8. Submit the request.

Bank of America will contact you once it makes a decision. If you are approved, you will get the card in 7 to 10 business days. 

How to pay off a debt

To pay back on your credit card, you can use the Bank of America mobile application.

  1. Log into your account;

  2. Click on the "Make a Payment" button;

  3. State how much you want to pay and submit the request. 

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

The penalty APR can get up to 29.99% based on your creditworthiness. 

FAQ

Which Bank of America student card is best?

Bank of America has only four student credit cards. To determine what card is the best for you, compare them on the Bank's website. They all come with no annual fees.

What credit score do you need for a Bank of America student card?

To qualify for a student credit card with Bank of America, you need to have at least a 640 credit score.

What is the limit on a Bank of America student credit card?

The Bank of America student credit cards don't have maximum limits. The minimum limit is $500.