The Bank of America Customized Cash Rewards Credit Card for Students gives you control over how you earn. Choose your top category — from gas to travel to online shopping — and enjoy 6% back during your first year.
With no annual fee and strong financial tools, it’s a great choice for students starting to build credit. Plus, get a $200 cash rewards bonus just for using your card responsibly in the first 90 days.
Is Bank of America good?
Bank of America is one of the largest and most trusted financial institutions in the U.S., serving more than 67 million customers. It’s recognized for its advanced digital banking, strong fraud protection, and educational resources that empower new cardholders.
Students can rely on the bank’s mobile app, online banking, and Balance Connect overdraft protection to manage their money safely and efficiently — a strong foundation for long-term financial success.
How this card works
Choose your cash-back category each month and earn 6% in the first year, then 3% afterward. Earn 2% automatically at grocery stores and wholesale clubs, and 1% on everything else. Preferred Rewards members earn up to 75% more cash back on every purchase.
With flexible earning options, no annual fee, and credit-building support, this truly stands out among lowest rate credit cards.
Requirements to apply for a no credit score credit card
- Must be a U.S. resident and at least 18 years old
- Student enrolled in a U.S. college or university
- Must have a Social Security Number or ITIN
- Proof of income or financial aid documentation
- Valid U.S. address and contact information
Fees of the Bank of America Customized Cash Rewards Credit Card for Students
- Annual fee: $0
- Intro APR: 0% for 15 billing cycles on purchases and balance transfers made within 60 days
- Standard APR: 17.99%–27.99% variable
- Balance transfer fee: 3% intro (first 60 days), then 4%
- No foreign transaction fees on purchases abroad
Apply for your credit card online
- Go to the official Bank of America website
- Find the “Customized Cash Rewards Credit Card for Students” page
- Click Apply Now and fill in your personal and financial details
- Review terms and conditions
- Submit your application and wait for instant approval
Get approved today!
Don’t wait to start building your credit the right way. With no annual fee, generous cash-back options, and a student-focused design, this card helps you establish your credit history responsibly.
Apply today and take your first step toward financial independence with a reliable no credit score credit card.