Bank of America
BankAmericard® Credit Card for Students
Key Features
| Annual Fee | $0.00 |
| Intro APR | Introductory 0% APR for your first 18 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. |
| Regular APR | 14.49% - 24.49% variable |
| Other Fees | 3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%. |
About this card
The BankAmericard® Credit Card for Students earns an overall rating of 2.8. While it boasts a valuable 0% introductory APR for 18 billing cycles, its lack of rewards and potentially high regular APR significantly limit its appeal. The absence of an annual fee is a notable strength, but the presence of balance transfer fees detracts from its overall value. The card is best suited for students who need to finance large purchases and can take advantage of the introductory APR, but it falls short for those seeking everyday rewards or lower long-term interest rates. The card is valuable for the specific situation of needing the intro APR but is mediocre beyond that.
Pros & Cons
What's great
- No annual fee
- Intro APR period
Things to consider
- High regular APR
- No sign-up bonus
- No rewards
- Balance transfer fee
What this card offers
Other features
- Your card comes with our $0 Liability Guarantee and chip technology for additional security when used at chip-enabled terminals
- Easily manage your bank accounts and finances online with Online Banking and our award winning Mobile Banking app that help students stay in control of their finances and make payments
- We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.
- An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America checking account to your credit card. No transfer fees. Other fees may apply.
- Opt for paperless credit card statements and increase account security while reducing paper consumption.
- Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more.
- Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.
- Learning to handle your credit is a big responsibility. A little knowledge can go a long way with Better Money Habits®
Additional Notes
This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now. Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.