BankAmericard® for Students
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On Bank of America's Secure Website
4.3
Annual fee:
$0
Intro APR
Purchases: 0%, 18 billing cycles
Balance Transfers: 0%, 18 billing cycles
Regular APR
15.74% - 25.74% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
New To Credit
Rewards N/A
N/A
Welcome Offer N/A
N/A
- 0% Intro APR on Purchases: For 18 months from account opening.
- 0% Intro APR on Balance Transfers: For 18 months from account opening. To qualify, you must make balance transfer within the first 60 days.
- Balance Transfer Fees: Introductory period: 3% of the transfer amount for balance transfers made within the first 60 days. 4% of each transfer amount for balance transfers made after the introductory period ends.
- Regular APR: After the introductory period, a variable APR of 15.74% - 25.74% applies to purchases and balance transfers.
- Annual fee: None.
- Foreign transaction fees: 3% of the U.S. dollar amount of each transaction made in a foreign currency, in addition to any other applicable fee.
- No penalty APR: Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
- Better Money Habits®: Learn how to responsibly handle your credit.
- Additional features: Includes fraud protection, $0 liability guarantee, contactless chip technology, Balance Connect® for overdraft protection, Digital Wallet technology, account alerts, and free access to FICO® Score.
- Click ‘Apply Now’ to see the full terms and conditions.
The BankAmericard® for Students offers the longest 0% intro APR period on purchases and balance transfers for 18 months, making it a great option for students who need extra time to pay off an existing balance. However, this card does not come with a rewards program.