BankAmericard® for Students
The Bottom Line
3.0
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The BankAmericard® Credit Card for Students is a straightforward option for students who want to manage expenses or pay off a balance over time without accumulating interest. It offers a 0% intro APR for 21 months on purchases and balance transfers made in the first 60 days, followed by a variable APR. While it doesn’t earn rewards, it also doesn’t charge an annual fee, and its main strength is helping keep interest costs down. It’s a practical choice for students looking to build credit and have some flexibility while paying off purchases at their own pace.
BankAmericard® for Students
Apply now
On Bank of America's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 21 billing cycles
Balance Transfers: 0%, 21 billing cycles
Regular APR
14.99% - 25.99% Variable APR
Credit Score
New To Credit
Rewards N/A
N/A
Welcome Offer N/A
N/A
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 21 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
- Regular APR: After the introductory period, a variable APR of 14.99% - 25.99% applies to purchases and balance transfers.
- Balance Transfer Fees: 5% of each transfer amount.
- Paying late won’t raise your APR.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Additional Features
- Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
- Embedded Chip Technology: Provides enhanced security and greater acceptance at chip-enabled terminals in the U.S. and internationally.
- Better Money Habits®: Access free tools and resources to build financial confidence, covering credit, budgeting, debt management, and more.
- 24/7 Fraud Monitoring: Your account is continuously monitored for unusual activity. Potential fraud is blocked, and you’ll be alerted if suspicious transactions are detected.
- Balance Connect® for Overdraft Protection: Link your eligible Bank of America® checking account to your credit card to help avoid declined purchases or returned checks. No transfer fees, other fees may apply.
- Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
- Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
Terms and Conditions
Click Apply Now to see the terms and conditions.