The Bank of America Customized Cash Rewards Credit Card for Students helps you start building credit responsibly while earning up to 6% cash back in your chosen category. It’s the perfect way to begin your financial journey with flexibility and real rewards.
Earn a $200 online cash rewards bonus after $1,000 in purchases within 90 days. With no annual fee and personalized rewards, this card is designed for students ready to establish their credit and enjoy savings from day one.
Is the Bank of America Customized Cash Rewards Credit Card for Students good?
This student credit card offers a 0% introductory APR for the first 15 billing cycles on purchases and balance transfers made within 60 days — a valuable feature for managing expenses without interest. After that, a variable APR of 17.99%–27.99% applies.
There’s no annual fee, and you can earn 6% cash back in your chosen category for the first year (3% ongoing). Automatic 2% back applies at grocery stores and wholesale clubs, plus 1% on everything else — ideal for everyday student spending.
Pros and cons of the Bank of America Customized Cash Rewards Credit Card for Students
Before making your decision, it’s important to weigh the pros and cons:
Cons
- Disadvantage: Quarterly limit on 6% and 2% cash back applies to $2,500 in combined purchases.
- Disadvantage: First-year 6% cash back reverts to 3% after the introductory period.
Pros
- Advantage: $200 online cash rewards bonus after $1,000 spent in 90 days.
- Advantage: No annual fee and 0% intro APR for 15 billing cycles.
- Advantage: Helps build financial history, making it one of the best credit cards for low credit score.
How to apply for my credit card without credit history
Applying online is simple and secure. You can complete your application in minutes and check eligibility even with little or no credit history.
Get approved faster and begin building your credit profile today. Enjoy cash rewards, low rates, and reliable tools designed to help students grow financially with confidence.