BankAmericard® Credit Card for Students
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The BankAmericard® Credit Card for Students is a simple credit card that students can use to help ease existing debt. It can also help students build their credit. This card doesn’t offer rewards but does come with no annual fee. Students get access to their FICO score as well, so hopefully, you can watch your credit score improve. It has a long 0% intro APR for purchases for the first 18 months and for balance transfers for 18 months for transactions made within 60 days of opening your account, then 16.24% - 26.24% variable APR. We dive into the details in this BankAmericard® Student review.
Our Rating
4.3/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
18 months
Reward Rate
No Rewards
0% on Balance Transfers
18 months
Welcome Offer
None
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, 24/7 customer service |
| 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 | 16.24% - 26.24% (V) APR |
| Balance Transfers | 0% Intro APR for 18 months on balance transfers, then 16.24% - 26.24%(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 | After the Balance Transfer Intro period, your Balance Transfer Fee is 4% of the amount of the transaction. |
| Purchases | 0% Intro APR for 18 months on purchases, then 16.24% - 26.24% (V) APR after that. |
Pros & Cons
- No annual fee
- Long 0% intro APR for purchases and balance transfers
- No welcome bonus
- No rewards
- Foreign transaction fee
What Are the Best Alternatives?
Chase Slate Edge
Rating
4.3
Rewards Range
No Rewards
Annual Fee
$0
Capital One Quicksilver Student Cash Rewards Credit Card
Rating
4.4
Rewards Range
1.5% - 10%
Annual Fee
$0
Chase Freedom Rise℠
Rating
4.2
Rewards Range
1.5% cash back
Annual Fee
$0