Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The Bank of America® Unlimited Cash Rewards Secured leads on everyday spending; the Bank of America Travel Rewards Credit Card for Students on travel.
Card data as of September 27, 2026.
Bank of America
Bank of America
Annual Fee
Welcome Bonus
| Category | Bank of America® Unlimited Cash Rewards Secured | Bank of America Travel Rewards Credit Card for Students |
|---|---|---|
| Everything Else | 1X | 1.5X |
The Bank of America Travel Rewards Credit Card for Students wins in 2 of 2 categories. The Bank of America® Unlimited Cash Rewards Secured leads in 0.
Travel
Bank of America Travel Rewards Credit Card for Students earns 3X vs 1X
3X via issuer travel portal
Everyday purchases
Bank of America Travel Rewards Credit Card for Students earns 1.5X on all other spending vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Bank of America Travel Rewards Credit Card for Students on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bank of America® Unlimited Cash Rewards Secured | Bank of America Travel Rewards Credit Card for Students | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) |
Both scenarios favor the Bank of America Travel Rewards Credit Card for Students on net value (rewards, usable credits, fees, and welcome offer).
Network
Key Benefits
Pros
Cons
| Bank of America Travel Rewards Credit Card for Students |
| Bank of America Travel Rewards Credit Card for Students |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $970 | Bank of America Travel Rewards Credit Card for Students | Bank of America Travel Rewards Credit Card for Students |
Get the Bank of America Travel Rewards Credit Card for Students if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
