Should I get the Bank of America® Customized Cash Rewards for Students or the Target Circle Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America® Customized Cash Rewards for Students or the Target Circle Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the Bank of America® Customized Cash Rewards for Students or the Target Circle Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bank of America® Customized Cash Rewards for Students vs Target Circle Card

Both cards cost $0/yr. The Bank of America® Customized Cash Rewards for Students is better for dining, while the Target Circle Card wins on target purchases. Here's how they compare.

Bank of America® Customized Cash Rewards for Students

Bank of America

No image

Target Circle Card

TD Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America® Customized Cash Rewards for Students	Target Circle Card
Target Purchases	1X	5X
Dining	3X	1X
Drugstores	3X	1X
Gas Stations	3X	1X
Home Improvement	3X	1X
Online Shopping	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+5% instant discount on all Target store and Target.com purchases
+No annual fee - pure savings with no cost to carry the card
+Free shipping on most Target.com orders with no minimum threshold
+Extended returns - extra 30 days beyond standard return window
+5% off at Target Cafe and in-store Starbucks locations

Cons

—

−Store card with no rewards outside Target - 0% back on all other purchases
−3% foreign transaction fee makes it poor for international use
−No welcome bonus unlike most competing retail cards
−High APR (22.4%-31.4%) if carrying a balance
−Up to $41 late payment fee

Category-by-Category Winner

The Bank of America® Customized Cash Rewards for Students wins in 10 of 11 categories. The Target Circle Card leads in 1.

Dining

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Drugstores

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Gas Stations

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Home Improvement

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Online Shopping

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Streaming

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Telecom

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Travel

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America® Customized Cash Rewards for Students or Target Circle Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bank of America® Customized Cash Rewards for Students or the Target Circle Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Bank of America® Customized Cash Rewards for Students — Full Review All Bank of America Cards

Target Circle Card — Full Review All TD Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · TD Bank cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bank of America® Customized Cash Rewards for Students vs Target Circle Card

Both cards cost $0/yr. The Bank of America® Customized Cash Rewards for Students is better for dining, while the Target Circle Card wins on target purchases. Here's how they compare.

Bank of America® Customized Cash Rewards for Students

Bank of America

No image

Target Circle Card

TD Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America® Customized Cash Rewards for Students	Target Circle Card
Target Purchases	1X	5X
Dining	3X	1X
Drugstores	3X	1X
Gas Stations	3X	1X
Home Improvement	3X	1X
Online Shopping	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+5% instant discount on all Target store and Target.com purchases
+No annual fee - pure savings with no cost to carry the card
+Free shipping on most Target.com orders with no minimum threshold
+Extended returns - extra 30 days beyond standard return window
+5% off at Target Cafe and in-store Starbucks locations

Cons

—

−Store card with no rewards outside Target - 0% back on all other purchases
−3% foreign transaction fee makes it poor for international use
−No welcome bonus unlike most competing retail cards
−High APR (22.4%-31.4%) if carrying a balance
−Up to $41 late payment fee

Category-by-Category Winner

The Bank of America® Customized Cash Rewards for Students wins in 10 of 11 categories. The Target Circle Card leads in 1.

Dining

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Drugstores

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Gas Stations

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Home Improvement

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Online Shopping

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Streaming

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Telecom

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Travel

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America® Customized Cash Rewards for Students or Target Circle Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bank of America® Customized Cash Rewards for Students or the Target Circle Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Bank of America® Customized Cash Rewards for Students — Full Review All Bank of America Cards

Target Circle Card — Full Review All TD Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · TD Bank cards

Bank of America® Customized Cash Rewards for Students vs Target Circle Card

Both cards cost $0/yr. The Bank of America® Customized Cash Rewards for Students is better for dining, while the Target Circle Card wins on target purchases. Here's how they compare.

Bank of America® Customized Cash Rewards for Students

Bank of America

No image

Target Circle Card

TD Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Bank of America® Customized Cash Rewards for Students	Target Circle Card
Target Purchases	1X	5X
Dining	3X	1X
Drugstores	3X	1X
Gas Stations	3X	1X
Home Improvement	3X	1X
Online Shopping	3X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+5% instant discount on all Target store and Target.com purchases
+No annual fee - pure savings with no cost to carry the card
+Free shipping on most Target.com orders with no minimum threshold
+Extended returns - extra 30 days beyond standard return window
+5% off at Target Cafe and in-store Starbucks locations

Cons

—

−Store card with no rewards outside Target - 0% back on all other purchases
−3% foreign transaction fee makes it poor for international use
−No welcome bonus unlike most competing retail cards
−High APR (22.4%-31.4%) if carrying a balance
−Up to $41 late payment fee

Category-by-Category Winner

The Bank of America® Customized Cash Rewards for Students wins in 10 of 11 categories. The Target Circle Card leads in 1.

Dining

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Drugstores

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Gas Stations

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Home Improvement

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Online Shopping

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Streaming

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Telecom

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Travel

Bank of America® Customized Cash Rewards for Students earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bank of America® Customized Cash Rewards for Students or Target Circle Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bank of America® Customized Cash Rewards for Students or the Target Circle Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Bank of America® Customized Cash Rewards for Students — Full Review All Bank of America Cards

Target Circle Card — Full Review All TD Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · TD Bank cards

Bank of America® Customized Cash Rewards for Students vs Target Circle Card

Bank of America® Customized Cash Rewards for Students

Target Circle Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Bank of America® Customized Cash Rewards for Students vs Target Circle Card

Bank of America® Customized Cash Rewards for Students

Target Circle Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Bank of America® Customized Cash Rewards for Students vs Target Circle Card

Bank of America® Customized Cash Rewards for Students

Target Circle Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?