Card details · Bank of America
BankAmericard Credit Card for Students review: fees, rewards and APR
The BankAmericard® Credit Card for Students is a credit card from Bank of America with a $0 annual fee. By our overall score it ranks #404 of the 435 credit cards we rank (store-only cards excluded), and #21 of 25 Bank of America cards. It is listed in our 0% intro APR and credit-building rankings.
Key facts
- Issuer
- Bank of America
- Network
- Visa
- Annual fee
- $0
- Intro APR
- purchases 21 months · balance transfers 21 months
- Ongoing APR
- 15.24%–26.24%
- Balance transfer fee
- 5%
- Our overall score
- 60 (#404 of 435 cards)
Rewards
- none
Benefits and notes
$0 Liability Guarantee, chip technology for security, online and mobile banking, Better Money Habits resources, Balance Connect overdraft protection option, paperless statements, digital wallet technology, account alerts
Intro APR and balance transfers
0% intro APR for 21 billing cycles for purchases and balance transfers made within 60 days of account opening
Balance transfer fee: 5%
Ongoing APR: 15.24%–26.24%
Where it ranks
- Overall: #404 of 435 cards (score 60)
- Bank of America credit cards: #21 of 25
- 0% intro APR cards: #4 of 77 by our 0% intro APR score
- Credit-building cards: #41 of 48 by our credit-building score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Bank of America’s site) as of November 8, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the BankAmericard Credit Card for Students?
$0, as stored in our database. Confirm the current fee on Bank of America’s site.
Does the BankAmericard Credit Card for Students have a welcome bonus?
Our database lists no welcome offer for this card right now.
Does the BankAmericard Credit Card for Students have a 0% intro APR?
Our database lists: 0% intro APR for 21 billing cycles for purchases and balance transfers made within 60 days of account opening Terms apply.
How does the BankAmericard Credit Card for Students rank on Your Best Cards?
#404 of 435 cards by our overall score (60). In our category lists: #4 of 77 0% intro APR cards; #41 of 48 credit-building cards.
Other top Bank of America cards
- Unlimited 3 points for every $1 spend on eligible Alaska Airlines and Hawaiian Airlines purchases
- Unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases, including rideshare
- Unlimited 1 point for every $1 spent on all other purchases
- Annual fee
- $95
- Welcome offer
- Limited-time online offer: Get 70,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) with this offer. To qualify, spend $2,500 or more on purchases within the first 90 days of opening your account.
- 3% cash back + 3% first-year cash back bonus in the category of your choice including gas and EV charging station, online shopping/cable/streaming/internet/phone plans, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
- Annual fee
- $0
- Welcome offer
- Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening and 6% cash back in the category of your choice – for the first year.
- Intro APR
- purchases 15 months · balance transfers 15 months
- 3 Miles per $1 spent directly on Air France, KLM, and other SkyTeam member airlines
- 1.5 Miles per $1 spent on all other purchases
- Annual fee
- $89
- Welcome offer
- Online offer: 50,000 Bonus Miles + 100 Experience Points (XP) after you make $2,000 or more in purchases within the first 90 days of your account opening
- 3 points per $1 on Alaska Airlines, Hawaiian Airlines, foreign transactions and dining
- 1 point on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account
- Annual fee
- $395
- Welcome offer
- Earn 70,000 bonus points and a 25,000-point Global Companion Award after spending $3,000 or more on purchases within the first 90 days of opening your account.
- #5
Business Advantage Customized Cash Rewards credit card
Score 60- 3% cash back in the category of your choice
- 2% cash back on dining purchases and unlimited 1% cash back on all other purchases. You’ll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- Annual fee
- $0
- Welcome offer
- $500 cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening
- Intro APR
- purchases 7 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.