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.
21 Billing Cycles at 0% APR — No Annual Fee
Build credit with 21 billing cycles of 0% intro APR on purchases and balance transfers, no annual fee, and no penalty APR. Keep costs low while establishing credit history.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Credit Required
Good to Excellent
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Details & Terms
| Purchase APR | 14.99%–25.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Bankamericard family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Bankamericard | entry | $0 |
Product changes available between family members without a new credit inquiry.
Reviews & Analysis
Comprehensive WalletHub review comparing the BankAmericard for Students against other student card options, with editor ratings and user reviews.
The official Bank of America product page with complete terms, features, APR details, and application link.
CNBC Select's roundup of top student credit cards, featuring the BankAmericard alongside competitors with guidance for choosing the right card.
CreditCards.com's independent review with 2.7/5 rating — strong on introductory offer, weak on rewards and customer experience.
NerdWallet's detailed review examining the card's features, eligibility requirements, and suitability for student borrowers building credit.
US News Money's 2026 review with 4.8/5 rating, covering benefits, fees, and comparison to alternatives.
Bankrate's curated list of the best student credit cards with detailed comparisons and recommendations for different credit profiles.
Bank of America's student card comparison page showing all available student options side-by-side.
| Source | Verified | Citation |
|---|---|---|
| Bank of America | — | Bank of America |
| Issuer Page | Issuer Page: Multiple card facts | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page |
