- Sign-Up Bonus
- 4
- Spending Multipliers
- 2.5
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 4
- Spending Multipliers
- 2.5
- Credits & Features
- 2.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Bank of America Unlimited Cash Rewards for Students credit card is a simple, no annual fee cash back card designed for college students and young adults who want straightforward rewards without the hassle of tracking categories. Cardholders earn 1.5% cash back on all purchases, with an elevated 2% cash back rate in the first year, making it ideal for students looking to maximize rewards on everyday spending like groceries, textbooks, and online shopping. While the card carries a 3% foreign transaction fee and does not offer category bonuses, its flat-rate structure and lack of annual fees make it perfect for U.S.-based students seeking a low-maintenance rewards card that helps build credit and earn consistent cash back on all purchases.
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