Bank of America® Unlimited Cash Rewards Credit Card for Students
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The Bank of America® Unlimited Cash Rewards Credit Card for Students is a flat-rate cash back card designed for students. It’s not a bad deal for a student card: not only do you get cash back on every purchase, but there’s a decent welcome bonus. Plus you get 0% introductory APR on purchases and balance transfers for 15 months (transfers must be made within the first 60 days). We dive into the details and your approval odds in this Bank of America Unlimited for Students review.
Our Rating
4.2/5.0
Welcome Offer
Online $200 cash rewards bonus
Annual Fee
$0
0% Intro on Purchases
15 months
Reward Rate
1.5% cash back
0% Intro on Balance Transfers
15 months
Welcome Offer
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Free credit score access |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of the U.S. dollar amount of each transaction made in a foreign currency. This fee will be in addition to any other applicable fee. |
| Regular APR | 18.24% to 28.24% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 18.24% to 28.24%(V) APR after that. |
| Balance Transfer Intro Fee | The Introductory Balance Transfer Fee is 3% for transactions made within 60 days of opening your account. After that, your Balance Transfer Fee is 4% of the amount of the transaction |
| Balance Transfer Fee | The Introductory Balance Transfer Fee is 3% for transactions made within 60 days of opening your account. After that, your Balance Transfer Fee is 4% of the amount of the transaction |
| Purchases | 0% Intro APR for 15 months on purchases, then 18.24% to 28.24% (V) APR after that. |
What Credit Score Is Required to Get the Bank of America® Unlimited Cash Rewards Credit Card for Students
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 725
Average Approved Credit Score: 728
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 06/22/2023 | Experian | ||
| Approved | 06/22/2023 | Equifax | ||
| Approved | 06/22/2023 | TransUnion |
Pros & Cons
- Welcome offer
- No annual fee
- Unlimited 1.5% cash back
- High APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Capital One SavorOne Student Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% to 8% cash back
Annual Fee
$0
Capital One Quicksilver Student Cash Rewards Credit Card
Rating
4.4
Rewards Range
1.5% - 5% cash back
Annual Fee
$0
Chase Freedom Rise®
Rating
4.2
Rewards Range
1.5% cash back
Annual Fee
$0