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3% back in 1 of 6 categories you choose — 6% your first year
Earn 3% cash back in a category you pick each month (6% in your first year), plus 2% at grocery stores and wholesale clubs, with no annual fee. The $200 welcome bonus after $1,000 spend and 0% intro APR for 15 billing cycles make this one of the strongest student cards available — and Preferred Rewards members can boost earnings up to 5.25%.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Fair
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Dining | 3X | Core | any | $2,500/quarterly | |
| Drugstores | 3X | Core | any | $2,500/quarterly | |
| Gas Stations | 3X | Core | any | $2,500/quarterly | |
| Home Improvement | 3X | Core | any | $2,500/quarterly | |
| Online Shopping | 3X | Core | any | $2,500/quarterly | |
| Streaming | 3X | Core | any | $2,500/quarterly | |
| Telecom | 3X | Core | any | $2,500/quarterly | |
| Travel | 3X | Core | any | $2,500/quarterly | |
| Grocery Stores | 2X | Core | any | $2,500/quarterly | |
| Wholesale Clubs | 2X | Core | any | $2,500/quarterly |
Spend $200/month on gas → earn $144/year in your first year (6%), then $72/year ongoing (3%)
Spend $300/month on groceries → earn $72/year in cash back automatically
Spend $500/month on other purchases → earn $60/year in unlimited cash back
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Details & Terms
| Foreign Transaction Fee | 3% |
Reviews & Analysis
Media & Resources
3% back in 1 of 6 categories you choose — 6% your first year
Earn 3% cash back in a category you pick each month (6% in your first year), plus 2% at grocery stores and wholesale clubs, with no annual fee. The $200 welcome bonus after $1,000 spend and 0% intro APR for 15 billing cycles make this one of the strongest student cards available — and Preferred Rewards members can boost earnings up to 5.25%.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Fair
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Dining | 3X | Core | any | $2,500/quarterly | |
| Drugstores | 3X | Core | any | $2,500/quarterly | |
| Gas Stations | 3X | Core | any | $2,500/quarterly | |
| Home Improvement | 3X | Core | any | $2,500/quarterly | |
| Online Shopping | 3X | Core | any | $2,500/quarterly | |
| Streaming | 3X | Core | any | $2,500/quarterly | |
| Telecom | 3X | Core | any | $2,500/quarterly | |
| Travel | 3X | Core | any | $2,500/quarterly | |
| Grocery Stores | 2X | Core | any | $2,500/quarterly | |
| Wholesale Clubs | 2X | Core | any | $2,500/quarterly |
Spend $200/month on gas → earn $144/year in your first year (6%), then $72/year ongoing (3%)
Spend $300/month on groceries → earn $72/year in cash back automatically
Spend $500/month on other purchases → earn $60/year in unlimited cash back
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Details & Terms
| Foreign Transaction Fee | 3% |
Reviews & Analysis
Media & Resources
3% back in 1 of 6 categories you choose — 6% your first year
Earn 3% cash back in a category you pick each month (6% in your first year), plus 2% at grocery stores and wholesale clubs, with no annual fee. The $200 welcome bonus after $1,000 spend and 0% intro APR for 15 billing cycles make this one of the strongest student cards available — and Preferred Rewards members can boost earnings up to 5.25%.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Fair
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Dining | 3X | Core | any | $2,500/quarterly | |
| Drugstores | 3X | Core | any | $2,500/quarterly | |
| Gas Stations | 3X | Core | any | $2,500/quarterly | |
| Home Improvement | 3X | Core | any | $2,500/quarterly | |
| Online Shopping | 3X | Core | any | $2,500/quarterly | |
| Streaming | 3X | Core | any | $2,500/quarterly | |
| Telecom | 3X | Core | any | $2,500/quarterly | |
| Travel | 3X | Core | any | $2,500/quarterly | |
| Grocery Stores | 2X | Core | any | $2,500/quarterly | |
| Wholesale Clubs | 2X | Core | any | $2,500/quarterly |
Spend $200/month on gas → earn $144/year in your first year (6%), then $72/year ongoing (3%)
Spend $300/month on groceries → earn $72/year in cash back automatically
Spend $500/month on other purchases → earn $60/year in unlimited cash back
Benefits & Perks
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Details & Terms
| Foreign Transaction Fee | 3% |
Reviews & Analysis
Media & Resources
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
You're never responsible for unauthorized charges on your card, with proactive fraud monitoring.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Link your BofA checking account to avoid declined purchases — no transfer fees.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
You can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Opt-in to receive your score, the ke...
With $0 annual fee, this student card delivers 3% in a category you choose each month (6% first year), 2% on groceries, and 1% on everything else — capped at $2,500/quarter combined. The $200 welcome bonus and 15-cycle 0% intro APR are among the strongest for student cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Comprehensive review covering the 6% first-year bonus, intro APR, welcome offer, and comparison to other student cards. Bankrate score: 3.7/5.
NerdWallet's review covering the card's bonus cash-back categories, credit requirements, and suitability for students.
Bank of America's student credit card overview page comparing their student card offerings.
Official issuer product page with current rates, rewards structure, security features, and application link.
Credit Karma review with cardholder data and user reviews showing real-world approval and usage experiences.
WalletHub review with user ratings and detailed breakdown of the rewards structure, including the Preferred Rewards bonus.
U.S. News review with detailed card features, rewards structure, and comparison to competing student cards.
Yahoo Finance review noting the impressive rewards structure but highlighting that many students may struggle to qualify.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
You're never responsible for unauthorized charges on your card, with proactive fraud monitoring.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Link your BofA checking account to avoid declined purchases — no transfer fees.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
You can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Opt-in to receive your score, the ke...
With $0 annual fee, this student card delivers 3% in a category you choose each month (6% first year), 2% on groceries, and 1% on everything else — capped at $2,500/quarter combined. The $200 welcome bonus and 15-cycle 0% intro APR are among the strongest for student cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Comprehensive review covering the 6% first-year bonus, intro APR, welcome offer, and comparison to other student cards. Bankrate score: 3.7/5.
NerdWallet's review covering the card's bonus cash-back categories, credit requirements, and suitability for students.
Bank of America's student credit card overview page comparing their student card offerings.
Official issuer product page with current rates, rewards structure, security features, and application link.
Credit Karma review with cardholder data and user reviews showing real-world approval and usage experiences.
WalletHub review with user ratings and detailed breakdown of the rewards structure, including the Preferred Rewards bonus.
U.S. News review with detailed card features, rewards structure, and comparison to competing student cards.
Yahoo Finance review noting the impressive rewards structure but highlighting that many students may struggle to qualify.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
You're never responsible for unauthorized charges on your card, with proactive fraud monitoring.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Link your BofA checking account to avoid declined purchases — no transfer fees.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
You can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking. Opt-in to receive your score, the ke...
With $0 annual fee, this student card delivers 3% in a category you choose each month (6% first year), 2% on groceries, and 1% on everything else — capped at $2,500/quarter combined. The $200 welcome bonus and 15-cycle 0% intro APR are among the strongest for student cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Comprehensive review covering the 6% first-year bonus, intro APR, welcome offer, and comparison to other student cards. Bankrate score: 3.7/5.
NerdWallet's review covering the card's bonus cash-back categories, credit requirements, and suitability for students.
Bank of America's student credit card overview page comparing their student card offerings.
Official issuer product page with current rates, rewards structure, security features, and application link.
Credit Karma review with cardholder data and user reviews showing real-world approval and usage experiences.
WalletHub review with user ratings and detailed breakdown of the rewards structure, including the Preferred Rewards bonus.
U.S. News review with detailed card features, rewards structure, and comparison to competing student cards.
Yahoo Finance review noting the impressive rewards structure but highlighting that many students may struggle to qualify.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
