Bank of America® Unlimited Cash Rewards Credit Card for Students

Welcome Bonus

$200 online cash rewards bonus

Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

Annual Fee


Annual Rewards

Earn unlimited 1.5% cash back on all purchases.


Rewards on Approval


Interest rates

Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

Bank of America® Unlimited Cash Rewards Credit Card for Students

The Bank of America® Unlimited Cash Rewards Credit Card for Students is a financial tool tailored to meet the unique needs of students. Combining the perks of a credit card with rewards and benefits, it aims to provide a practical and convenient solution for young adults navigating their financial journey.


  • Simplicity: The straightforward 1.5% cash back on all purchases eliminates the need to navigate complex rewards structures.

  • Introductory APR: The 0% APR on purchases for the initial 15 billing cycles can be a significant advantage for students managing larger expenses.

  • Credit Building: The card serves as a tool for students to establish and build their credit history responsibly.

  • No Annual Fee: The absence of an annual fee is a budget-friendly feature for students looking to minimize costs.

  • Banking Integration: Access to Bank of America's online and mobile banking enhances convenience for managing finances.


  • Limited Bonus Categories: Unlike some other cards, this one lacks bonus categories for higher cash back in specific spending areas.

  • Foreign Transaction Fee: For students planning to study abroad or travel frequently, the foreign transaction fee could be a drawback.

  • Qualification Requirements: As with many student credit cards, eligibility may be dependent on having a source of income or a co-signer.

Details & Eligibility

  • N/A
  • N/A
  • N/A
  • $0
  • N/A
  • Visa
  • No
  • 18.24%
  • 21.24%
  • 18.24%
  • N/A
  • N/A
  • N/A
1. Card Features: This credit card offers unlimited 1.5% cash back on all purchases, providing students with a straightforward and hassle-free rewards system. There are no rotating categories or earning caps, making it a simple yet effective choice for those looking to earn cash back on their everyday spending. 2. Introductory APR: Students can take advantage of an introductory 0% APR on purchases for the first 15 billing cycles. This feature can be particularly beneficial for those who may need to make significant purchases and prefer to pay them off over time without incurring interest charges. 3. Credit Building Opportunities: Designed with students in mind, this credit card can serve as a valuable tool for building credit history. Responsible use, timely payments, and staying within credit limits can contribute positively to a student’s credit score, setting the foundation for their financial future. 4. No Annual Fee: One of the appealing aspects of this credit card is its lack of an annual fee. For students on a tight budget, this can be a significant advantage, allowing them to enjoy the benefits of a credit card without incurring additional costs. 5. Access to Bank of America’s Online and Mobile Banking: Cardholders can manage their finances conveniently through Bank of America’s online and mobile banking platforms. This provides easy access to account information, payment options, and the ability to track cash back rewards.
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