- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0.5
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Bank of America BankAmericard for Students is a no annual fee credit card designed for college students and young adults who want a low-interest card to manage expenses and build credit responsibly. With a low introductory APR for 21 months on purchases and balance transfers, this card is ideal for students planning larger purchases or carrying a balance, helping reduce interest costs over time. While it does not offer a welcome bonus, cash back rewards, or spending multipliers and carries a 3% foreign transaction fee, the simplicity and low-cost structure make it perfect for U.S.-based students seeking predictable credit terms and a straightforward way to establish a strong credit history without annual fees.
Pros
No annual fee
Cons
No welcome bonus
3% foreign transaction fee
No spending multipliers
Issuer
Spending Multipliers
Credits & Features
Low Introductory APR for 21 months
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
- 14.99% - 25.99% Variable APR
- 29.24% APR for Cash Advance
- 5% of each cash advance transaction
- 14.99% - 25.99% APR for Balance Transfer
- 5% of each transfer amount