- Sign-Up Bonus
- 4
- Spending Multipliers
- 4
- Credits & Features
- 3
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 4
- Spending Multipliers
- 4
- Credits & Features
- 3
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Bank of America Customized Cash Rewards for Students credit card is a flexible, no annual fee cash back card designed specifically for college students and young adults looking to build credit while earning rewards on everyday spending. Cardholders can choose a 3% cash back category that aligns with their lifestyle—options include gas, online shopping, streaming, dining, travel, and more—and earn double points in that category during the first year, making it ideal for students who want to maximize rewards on the expenses they use most. While the card comes with a $2,500 combined quarterly cap on elevated rewards, a 3% foreign transaction fee, and a 1% catch-all rate on other purchases, it provides a simple, customizable way for students to earn cash back without an annual fee. This card is perfect for U.S.-based students who want a low-cost, personalized rewards card that adapts to their spending habits and helps build responsible credit history.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Ability to get some BoA cards without a SSN or credit history
- BoA has a 2/3/4 role, meaning you can only be approved for 2 cards in 2 months, 3 cards in 12 months, and 4 cads in 24 months
- You cannot get this card if you currently have or have had it in the past 24 months
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- 17.49% - 27.49% Variable APR
- 29.24% APR for Cash Advance
- 5% of each cash advance transaction
- 17.49% - 27.49% APR for Balance Transfer
- 5% of each transfer amount