Bank Of America Student Cash Rewards Credit Card Review With Pro And Cons – 16 Points


1. Bank of America student rewards credit card is perfect choice if you want to earn high rewards on gas shopping dining and travel and you will get extra rewards if you have bank of America customer.



3% cash back on your choice bonus categories

$2,500 quarterly spending limit on your choice category and the bonus reward categories of grocery stores and wholesale clubs.

No annual fee

High regular apr

Sign up bonus

Balance transfer fee

Intro apr on purchase and balance transfer

Foreign transaction fee

2. Reward Rate:

3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
2% cash back at grocery stores and wholesale clubs
1% cash back on all other purchases
You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%

3. Annual Fee:


4. Sign Up Bonus:

Earn $200 cash rewards after spending $1,000 in purchases in the first 90 days of your account opening.

5. Regular Apr:

16.24% – 26.24% variable

6. Intro Apr:

0% intro apr for purchase and balance transfer for 12 billing cycle made within 60 days of account opening.

7. Balance Transfer Fee:

3% Min $10

8. Customer Experience:

24/7 customer service?:
Online chat available?:
Google Play Store mobile app rating:
Apple Store mobile app rating:

9. Foreign transaction fee:


10. Cash Advance Fee:

5% (min $10)

11. Max Late Fee:


12. Cash Advance Apr:

19.24% – 27.24% (V)

13. Max Penalty Apr:

29.99% (V)

14. Other Benefits:

Free Fico Score
Travel Accident Insurance
EMV chip
Fix payment due date
Mobile banking and text alert
Overdraft Protection
Extended Warranty
Auto Rental Collision Damage Waiver insurance

15. Get Bank of America Student Cash Reward Credit Card:

If you are student and want to create credit history.
If you want high rewards on your choice categories.
If you want to take advantage of 0% intro apr on purchase and balance transfer.
If you are bank of America customer.

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