Credit Cards for Students

Opening a new credit card normally requires an applicant to have an established credit history. And this is particularly problematic for young individuals who don’t have any credit history at all, such as college and university students.

Luckily, many banks and financial institutions have specifically made credit cards for these cases. Credit Cards for Students are designed with a focus on helping young adults establish a credit history and build credit scores early on in life.

Usually, Credit Cards for Students offer lower credit limits, and if you are under 21, you might also need to show that you have independent income or get an adult cosigner. Despite possible restrictions, Credit Cards for Students may still come with some good perks, e.g., 0% introductory APR, no annual membership fee, and a cashback bonus.

As with any other credit card, Student Credit Cards must be handled responsibly! It is essential to pay the monthly minimum fee, keep the card balance under control and work toward paying off the debt within a reasonable time frame. The disciplined approach to initial debt management will help young adults establish a credit history and build good financial habits while benefitting from card perks and rewards.

Best Credit Cards

  • Freedom Rise℠: best for people with no credit history, offers 1.5% cashback on all purchases, no annual fee, and a chance for a credit limit increase after 6 months.
  • Travel Rewards for Students: best for students who travel, offers unlimited 1.5 points per $1 on all purchases, with no annual fee, no foreign transaction fees, a sign-up bonus, and 0% intro APR for 15 months
  • BankAmericard® for Students: best for students looking to save on interest, offers a 0% intro APR on purchases and balance transfers for 18 months, no annual fee, and tools to help build responsible credit habits.
  • Unlimited Cash Rewards for Students: best student card for unlimited 1.5% cashback on all purchases + sign-up bonus and 0% intro APR
  • Customized Cash Rewards for Students: best student card for flexible cashback with 0% intro APR
  • Discover it® Student: best for students who want to maximize cashback, with 5% cashback on quarterly rotating categories, Unlimited Cashback Match, a 0% intro APR, and no annual fee.
  • Quicksilver Rewards for Students: best for students who want simple, flat-rate cashback, offering 1.5% cashback on every purchase, a sign-up bonus, and no annual or foreign transaction fees.
  • Savor Rewards for Students: best for students who want to earn cash back on food and fun, with unlimited 3% cash back on dining, entertainment, streaming, and groceries, plus a sign-up bonus and no annual or foreign transaction fees.

Discover it® Student

Apply now

On Discover's Secure Website

Discover it® Student
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 6 months

Balance Transfers: 10.99%, 6 months

Regular APR

16.74% - 25.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

New To Credit

Rewards Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. Plus, earn 1% cashback on all other purchases.

1% - 10% Cashback

Welcome Offer Enjoy Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

Unlimited Cashback Match (first year)

Designed for Students: No credit score is required to apply, making it easy for students to get started.

Welcome Offer

  • Unlimited Cashback Match: Discover will automatically match all the cashback you earn at the end of your first year, with no limit.

Rewards

  • 5% Cashback on Quarterly Rotating Categories: Earn 5% cashback each quarter on up to $1,500 in purchases in rotating categories. Activation is required each quarter by the stated deadline. See current categories here.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash at any time, in any amount, or use them for purchases at Amazon.com. Cashback never expires.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Low Intro APR on Balance Transfers: Enjoy 0% intro APR on purchases and 10.99% Intro APR on balance transfers for 6 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 16.74% - 25.74% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: 3% of the transfer amount, for balance transfers completed by the date specified in the terms and conditions.
  • Regular Balance Transfer Fees: 5% of each transfer amount, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: N/A.
  • Late Payment: No fee on your first late payment.

Additional Features

  • Custom Card Design: Choose from 25 colorful designs when you apply for the Discover it® card.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 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.
  • Credit Line Increase: When you graduate, you can update your income and housing information and may become eligible for a credit line increase.
  • Freeze it® : Temporally block new purchases, cash advances, and balance transfers.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Discover it® Student Cash Back is an excellent starter card for students who want to maximize rewards without paying an annual fee. It offers 5% cashback on rotating quarterly categories like grocery stores, restaurants, and gas stations on up to $1,500 in purchases each quarter after activation, plus 1% cashback on all other purchases. New cardmembers also benefit from Discover’s Cashback Match, which automatically doubles all cashback earned at the end of the first year. In addition, the card comes with a 0% intro APR for 6 months on purchases and a low intro APR on balance transfers, making it helpful for larger purchases or managing expenses. This card is best for students who are willing to track the bonus categories and want to earn extra cashback in their first year.

Quicksilver Rewards for Students

Apply now

On Capital One's Secure Website

Quicksilver Rewards for Students
4.5

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

300-669 (Poor/Fair)

Rewards Earn 5% cashback when you book hotels, vacation rentals, and rental cars through Capital One Travel. Earn 5% cashback on Capital One entertainment purchases. Plus, earn 1.5% unlimited cashback on all other purchases.

1.5% - 5% Cashback

Welcome Offer Earn a $50 bonus after spending $100 in the first 3 months.

$50

Exclusively for Students: This card is designed for students enrolled at a four-year university, community college, or another higher education institution.

Welcome Offer

  • Earn a $50 bonus after spending $100 in the first 3 months.

Rewards

  • 5% Cashback on Hotels, Vacation Rentals, and Rental Cars booked through Capital One Travel.
  • 5% Cashback on Capital One Entertainment purchases.
  • 1.5% Unlimited Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 18.74% - 28.74% Variable APR.
  • Balance Transfer Fees: 4% of each transfer amount.
  • Foreign Transaction Fee: None.

Exclusive Offers

  • Capital One Entertainment: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
  • Capital One Dining: Enjoy exclusive reservations at top-rated restaurants and access to unforgettable culinary experiences.
  • Complimentary Concierge Service: Get 24/7 personalized assistance with dining, entertainment, and travel—available every day of the year.
  • Capital One Shopping: An online shopping tool that automatically applies available coupon codes to help you save at checkout.
  • Capital One Travel: Get access to great prices on thousands of travel options, even after you book.
  • 50% Off Handcrafted Beverages: Enjoy 50% off all handcrafted drinks every day at any Capital One Café, just show your Capital One card.
  • Eno, Your Capital One Assistant: Eno monitors your account 24/7, sends alerts if something looks off, and can answer questions about your account instantly.
  • Capital One Offers: Earn exclusive rewards or statement credits when you shop online at thousands of retailers including brands like Adidas, Macy’s, and more.

Travel Benefits

  • Travel Accident Insurance: Get automatic insurance for covered losses at no extra cost when you use your card to purchase your fare.
  • Flight Price Drop Protection: Enjoy free price drop protection. If your flight fare drops within 10 days of booking through Capital One Travel, you’ll receive up to $50 in travel credit.
  • Price Match Guarantee: If you find a better price on the same flight, hotel, or car rental, Capital One Travel will match it.

Purchase Protections

  • Extended Warranty Protection: Doubles the original manufacturer’s or store warranty on eligible purchases, up to an additional two years.

Additional Features

  • Build Your Credit History: Use your card responsibly to start building credit.
  • Emergency card replacement and a cash advance.
  • Instant Purchase Notifications: Stay on top of your spending with a push notification every time a purchase is approved on your account.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • Automatic Credit Line Reviews: Be automatically considered for a higher credit line in as little as six months.
  • 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.
  • Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
  • Automatic Payments: Set up AutoPay to pay your balance automatically, so you don’t have to log in and pay manually each month.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • 24/7 Customer Service.
  • Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
  • Card Lock: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen.
  • Security Alerts: Get notified by text, email, or phone if Capital One detects potential suspicious activity on your account.
  • CreditWise: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Recurring Transactions: Easily view a list of merchants that charge your card each month, such as subscriptions and recurring bills.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Capital One Quicksilver® Rewards for Students Credit Card is a solid starter option for students who want simple, flat-rate cashback with no annual fee. You earn unlimited 1.5% cashback on every purchase, so there’s no need to track bonus categories, plus a small welcome bonus and no foreign transaction fees. With easy redemption and helpful credit-building tools from Capital One, it’s a great choice for students who want straightforward rewards while building credit responsibly.

Savor Rewards for Students

Apply now

On Capital One's Secure Website

Savor Rewards for Students
4.5

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

300-669 (Poor/Fair)

Rewards Earn 3% cashback on grocery stores, dining, entertainment, and select streaming services. Earn 8% cashback on Capital One entertainment purchases and 5% cashback when you book hotels, vacation rentals, and rental cars through Capital One Travel. Plus, 1% cashback on all other purchases.

1% - 8% Cashback

Welcome Offer Earn a $50 bonus after spending $100 in the first 3 months.

$50

Exclusively for Students: This card is designed for students enrolled at a four-year university, community college, or another higher education institution.

Welcome Offer

  • Earn a $50 bonus after spending $100 in the first 3 months.

Rewards

  • 3% Cashback on Grocery Stores.
  • 3% Cashback on Dining.
  • 3% Cashback on Entertainment.
  • 3% Cashback on Select Streaming Services.
  • 8% Cashback on Capital One Entertainment purchases.
  • 5% Cashback on Hotels, Vacation Rentals, and Rental Cars booked through Capital One Travel.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Flexible Redemption Options: Redeem rewards for cash, gift cards, travel, experiences, purchases at Amazon.com, PayPal checkout, and more.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 18.74% - 28.74% Variable APR.
  • Balance Transfer Fees: 4% of each transfer amount.
  • Foreign Transaction Fee: None.

Exclusive Offers

  • Capital One Entertainment: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
  • Capital One Dining: Enjoy exclusive reservations at top-rated restaurants and access to unforgettable culinary experiences.
  • Complimentary Concierge Service: Get 24/7 personalized assistance with dining, entertainment, and travel—available every day of the year.
  • Capital One Shopping: An online shopping tool that automatically applies available coupon codes to help you save at checkout.
  • Capital One Travel: Get access to great prices on thousands of travel options, even after you book.
  • 50% Off Handcrafted Beverages: Enjoy 50% off all handcrafted drinks every day at any Capital One Café, just show your Capital One card.
  • Eno, Your Capital One Assistant: Eno monitors your account 24/7, sends alerts if something looks off, and can answer questions about your account instantly.
  • Capital One Offers: Earn exclusive rewards or statement credits when you shop online at thousands of retailers including brands like Adidas, Macy’s, and more.

Travel Benefits

  • Travel Accident Insurance: Get automatic insurance for covered losses at no extra cost when you use your card to purchase your fare.
  • Flight Price Drop Protection: Enjoy free price drop protection. If your flight fare drops within 10 days of booking through Capital One Travel, you’ll receive up to $50 in travel credit.
  • Price Match Guarantee: If you find a better price on the same flight, hotel, or car rental, Capital One Travel will match it.

Purchase Protections

  • Extended Warranty Protection: Doubles the original manufacturer’s or store warranty on eligible purchases, up to an additional two years.

Additional Features

  • Build Your Credit History: Use your card responsibly to start building credit.
  • Emergency card replacement and a cash advance.
  • Instant Purchase Notifications: Stay on top of your spending with a push notification every time a purchase is approved on your account.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • Automatic Credit Line Reviews: Be automatically considered for a higher credit line in as little as six months.
  • 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.
  • Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
  • Automatic Payments: Set up AutoPay to pay your balance automatically, so you don’t have to log in and pay manually each month.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • 24/7 Customer Service.
  • Virtual Card Numbers: Make safer online payments without sharing your actual card number with merchants.
  • Card Lock: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen.
  • Security Alerts: Get notified by text, email, or phone if Capital One detects potential suspicious activity on your account.
  • CreditWise: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Recurring Transactions: Easily view a list of merchants that charge your card each month, such as subscriptions and recurring bills.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Capital One Savor Rewards for Students Credit Card is a great starter card for students who spend on dining, groceries, entertainment, and streaming and want simple cashback with no annual fee. It offers solid everyday rewards, easy redemption, and helpful credit-building tools, making it an excellent option for students learning to manage credit responsibly. New cardholders can earn a $50 welcome bonus after spending $100 in the first 3 months, and with no foreign transaction fees, it’s also a smart choice for students who travel or study abroad.

Freedom Rise℠

Apply now

On Chase's Secure Website

Freedom Rise℠
4.7

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

25.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time®

Credit Score

New To Credit

Rewards Earn unlimited 1.5% cashback on all your purchases.

1.5% Cashback

Welcome Offer Get a $25 statement credit when you enroll in automatic payments within the first three months of account opening.

$25

Improve Your Approval Chances: If you’ve never had a credit card, keeping at least $250 in a Chase checking or savings account before you apply can help you get approved for the Chase Freedom Rise℠ card.

Welcome Offer

  • $25 for Enrolling in Autopay: Get a $25 statement credit when you enroll in automatic payments within the first three months of account opening.

Rewards

  • Earn 1.5% unlimited cashback on all purchases.

Partner Benefits

  • DoorDash DashPass Membership: Enjoy 6 months of complimentary DashPass for DoorDash and Caviar, with $0 delivery fees and reduced service fees on eligible orders. Activate by December 31, 2027; enrollment auto-renews at the standard rate.
  • Up to $10 off Quarterly: DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through December 31, 2027.
  • 2% Cashback on Lyft: Earn 2% cashback on Lyft rides through September 30, 2027.

Redemption Options

  • Redeem rewards for cash, travel, gift cards, purchases at Amazon.com, and more.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 25.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Travel Benefits

  • Trip Cancellation & Interruption Insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Additional Features

  • Turn Good Habits Into an Upgrade: If you use your Freedom Rise® card responsibly, you’ll be automatically checked each year for an upgrade to the Chase Freedom Unlimited® card. Just keep your account open, make at least one purchase, and pay all your bills on time for 12 months.
  • Chase Credit Journey®: A free tool that helps you monitor your credit score, receive alerts, and get personalized tips to improve your credit health.
  • Credit Limit Increase: After 6 months, Chase will see if you qualify for a higher spending limit on your Freedom Rise® card. Your credit limit is the most you’re allowed to spend on the card.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 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.
  • Lock or Unlock Your Card: Use the Chase Mobile® app or Chase.com to quickly lock your card and stop new purchases if it’s lost or stolen. You won’t be responsible for unauthorized charges, and your automatic payments will still go through.
  • Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
  • 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.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Chase Freedom Rise℠ Credit Card is an excellent choice for individuals looking to establish their credit history while earning rewards on everyday purchases. It offers unlimited 1.5% cashback on all purchases, with no annual fee and no rotating categories to track. To improve approval odds, applicants can benefit from having a Chase checking account before applying. The card also includes valuable purchase protection and automatic reviews for potential credit line increases and future upgrades. With its simple structure and useful benefits, Freedom Rise provides a strong foundation for building credit and earning consistent rewards along the way.

Travel Rewards for Students

Apply now

On Bank of America's Secure Website

Travel Rewards for Students
4.6

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.74% - 27.74% 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 Earn 1.5x points per $1 spent on all purchases.

1.5x Points

Welcome Offer Earn 25,000 bonus points after spending $1,000 in the first three months. That's worth $250 when redeemed for statement credit toward travel and dining purchases.

25,000 Points

Welcome Offer

Earn 25,000 bonus points after spending $1,000 in the first three months. That’s worth $250 when redeemed for statement credit toward travel and dining purchases.

Rewards

Earn 1.5x points per $1 spent on all purchases.

Redemption Options

Redeem points for a statement credit towards travel and dining, or use them to book your next trip.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 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 17.74% - 27.74% 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.
  • Foreign Transaction Fee: None.

Additional Features

  • 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.
  • Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
  • 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 Bank of America® Travel Rewards Credit Card for Students is a solid choice for students who want to earn flexible travel rewards without paying an annual fee. It offers unlimited 1.5 points per dollar on every purchase, with no expiration and no categories to manage. New cardholders can earn a 25,000-point welcome bonus (worth $250 toward travel and dining) after spending $1,000 in the first 3 months, along with a 0% intro APR for 15 months on purchases and balance transfers. With no foreign transaction fees, it’s a practical option for students who plan to travel or study abroad and want to build credit at the same time.

BankAmericard® for Students

Apply now

On Bank of America's Secure Website

BankAmericard® for Students
4.4

Annual fee:
$0

Intro APR

Purchases: 0%, 18 billing cycles

Balance Transfers: 0%, 18 billing cycles

Regular APR

14.74% - 24.74% 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 14.74% - 24.74% 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.

Unlimited Cash Rewards for Students

Apply now

On Bank of America's Secure Website

Unlimited Cash Rewards for Students
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.74% - 27.74% 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 Earn unlimited 1.5% cashback on all purchases. Rewards do not expire.

1.5% Cashback

Welcome Offer Earn a $200 bonus after spending $1,000 in the first 90 days from account opening. Plus, earn unlimited 2% cashback on purchases for the first year.

$200 + 2% Cashback on Purchases for the First Year

Welcome Offer

  • Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
  • Earn unlimited 2% cashback on purchases for the first year.

Rewards

Earn 1.5% unlimited cashback on all purchases. Cash rewards do not expire.

Redemption Options

Redeem rewards for statement credits, direct deposits to Bank of America® accounts, or to pay at Amazon.com and with PayPal.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 17.74% - 27.74% applies to purchases and balance transfers.
  • Intro Balance Transfer Fees: 4% of the transfer amount for balance transfers made within the first 60 days.
  • Regular Balance Transfer Fees: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Additional Features

  • Better Money Habits®: Access educational tools and resources to help you build financial confidence and manage credit wisely.
  • Zero liability protection, fraud protection, contactless checkout, Balance Connect® for overdraft protection, compatibility with digital wallets, automatic account alerts, and free access to FICO® Score.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Bank of America® Unlimited Cash Rewards Credit Card for Students is a strong starter card for college students looking to build credit while earning simple cashback. It offers unlimited 1.5% cashback on all purchases, with no annual fee and access to Bank of America’s financial education tools. While it doesn’t include travel or premium perks, this card is well-suited for students who want steady rewards, no hidden fees, and a solid foundation for future credit growth.

Customized Cash Rewards for Students

Apply now

On Bank of America's Secure Website

Customized Cash Rewards for Students
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 15 billing cycles

Balance Transfers: 0%, 15 billing cycles

Regular APR

17.74% - 27.74% 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 Earn 3% cashback in the category of your choice, 2% cashback at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter), and 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $200 cash rewards bonus after spending $1,000 in the first three months. Plus, earn 6% cashback in the category of your choice for the first year.

$200 + 6% Cashback In The Category of Your Choice for the First Year

Welcome Offer

  • Earn a $200 cash rewards bonus after spending $1,000 in the first three months.
  • Plus, earn 6% cashback in the category of your choice for the first year.
  • 3% Cashback in the Category of Your Choice: Gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement/furnishings. You can change the choice category once every calendar month.
  • 2% Cashback at Grocery Stores and Wholesale Clubs: Up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter.
  • 1% Cashback on All Other Purchases.
  • Annual Fee: None.
  • Foreign Transaction Fee: 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee.
  • 0% Intro APR on Purchases: For 15 months from account opening.
  • 0% Intro APR on Balance Transfers: For 15 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. Regular: 4% of each transfer amount for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 17.74% - 27.74% applies to purchases and balance transfers.
  • Redeem Rewards: As a statement credit or direct deposit into an eligible Bank of America® or Merrill® account.
  • Better Money Habits®: Learn how responsibly handle your credit.
  • Additional Features: Include 24-hour fraud protection, $0 liability guarantee, contactless pay, 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.
This student credit card is a good option for flexible cashback. Great additions are a welcome bonus, and 0% APR intro offers on purchases and balance transfers.




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