BankAmericard® Credit Card for Students

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.

BankofAmericard Credit Card for Students

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

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsFree credit score access, 24/7 customer service
Travel PerksNone

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% 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 APR16.24% - 26.24% (V) APR
Balance Transfers0% Intro APR for 18 months on balance transfers, then 16.24% - 26.24%(V) APR after that.
Balance Transfer Intro FeeThe 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 FeeAfter the Balance Transfer Intro period, your Balance Transfer Fee is 4% of the amount of the transaction.
Purchases0% Intro APR for 18 months on purchases, then 16.24% - 26.24% (V) APR after that.

Pros & Cons

Pros
  • No annual fee
  • Long 0% intro APR for purchases and balance transfers
Cons
  • No welcome bonus
  • No rewards
  • Foreign transaction fee

What Are the Best Alternatives?

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Rating

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Rewards Range

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Annual Fee

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Capital One Quicksilver Student Cash Rewards Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card

Rating

4.4

Rewards Range

1.5% - 10%

Annual Fee

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Chase Freedom Rise℠
Chase Freedom Rise℠

Rating

4.2

Rewards Range

1.5% cash back

Annual Fee

$0

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