BankAmericard® for Students
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On Bank of America's Secure Website
4.4
Annual fee:
$0
Intro APR
Purchases: 0%, 18 billing cycles
Balance Transfers: 0%, 18 billing cycles
Regular APR
15.24% - 25.24% Variable APR
Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.
Custom Pay Plan
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 18 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 15.24% - 25.24% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: 3% of each transfer amount for balance transfers made within the first 60 days of account opening.
- Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
- 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.
- Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
- 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.
- Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
- 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.
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 18 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.