Bank of America® Unlimited Cash Rewards for Students
Unlimited 1.5% cash back with $0 annual fee and 0% intro APR
Earn unlimited 1.5% cash back on all purchases, plus a $250 welcome bonus after $1,000 spend. Pay 0% intro APR for 15 billing cycles on purchases and balance transfers. No annual fee, and BofA Rewards members earn 10%-75% more cash back.
- Annual Fee
- $0
- cash back · Welcome Bonus
- $250
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $250 cash back
Spend: $1,000
Period: 3 months
Earning Rates
- 1.5%
All Other
Unlimited 1.5% cash back on all purchases.
Earning Scenarios
1.5% Back on Every Dollar, Every Day
Spend $500/month on everyday purchases → earn $90 in cash back per year
Benefits & Perks
Annual Credits & Statement Credits
1 creditsFICO score monitoring
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...
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Annual
Insurance & Protections
3 protections$0 liability for unauthorized transactions
Never pay for unauthorized charges. Bank of America monitors your account and alerts you to suspicious activity.
FICO score monitoring
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...
Free overdraft protection for your checking account
Link your BofA checking account to prevent declined purchases and overdrafts with no transfer fees.
Details & Terms
Payment Terms
| Purchase APR | 17.74%–27.74% (Variable) |
| Foreign Transaction Fee | 3% |
Card Family
Boa Unlimited Cash family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Boa Unlimited Cash Secured | entry | $0 |
Product changes available between family members without a new credit inquiry.
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesHow It Compares
With $0 annual fee, this student card offers unlimited 1.5% cash back on all purchases plus a $250 welcome bonus and 15 months of 0% intro APR. Requires good-to-excellent credit.
The Math: Is $0 Worth It?
First-year value includes $250 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Media & Resources
Video Reviews
8 videosBank of America Student Credit Card Review: Pros and Cons
Best Credit Cards for College Students 2025
Bank of America Unlimited Cash Rewards for Students Card Review 2025 | Worth It or Leave It?
Bank of America Unlimited Cash Rewards for Students Card Review 2025 Worth It or Leave It
Bank of America Unlimited Cash Rewards for Students – My Honest Review & Real Experience
Bank of America Customized Cash Rewards for Students Card Review 2025 | Worth It or Leave It?
Bank of America Travel Rewards Student Credit Card Review 2026
Third-Party Articles & Reviews
Bank of America Unlimited Cash Rewards for Students Credit Card Review
Best Student Credit Cards of 2026
Bank of America Unlimited Cash Rewards Credit Card Review
Bank of America Unlimited Cash Rewards Credit Card for Students Review
Bank of America Unlimited Cash Rewards for Students Credit Card Review
Best Bank of America Credit Cards
Bank of America Unlimited Cash Rewards Credit Card for Students
Bank of America Unlimited Cash Card Review
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Bank of America | — | Bank of America |
| Issuer Page | Issuer Page: Earn rates | |
| Bank of America | Bank of America: Multiple card facts | |
| Bank of America | Bank of America |