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BankAmericard® Credit Card for Students card

BankAmericard® Credit Card for Students

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Fair / No Credit Required
Card network
Mastercard
Intro purchase APR
0% for 21 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The BankAmericard® Credit Card for Students is a no-frills card for college students with little to no credit history who are looking to build and monitor the health of their credit.

Our review of the BankAmericard® Credit Card for Students

Are you a college student looking to build your credit history? The BankAmericard Credit Card for Students is a great option for beginners. With no annual fee, no penalty APR, and access to free monthly FICO Score credit checks, this card offers a solid foundation for your financial journey.

While this card doesn’t come with a rewards program or introductory bonus offer, it does provide one of Bank of America’s most forgiving interest rates and valuable educational tools to help you manage your finances. To apply, you must be a current college student, and you may need to show proof of your student status at a Bank of America location.

The BankAmericard Credit Card for Students also offers a 0% introductory APR for the first 18 months, making it ideal for handling big-ticket college expenses like tuition, housing, and textbooks. This interest-free period can give you over a year to pay off these costs without accruing interest. Additionally, balance transfers within the first 60 days also qualify for the 0% APR offer.

As a Mastercard product, this card comes with useful features like FICO Score access, online and mobile banking, EMV chip technology for enhanced security, and fraud protection. Plus, there’s no annual fee, so you won’t have to worry about extra charges.

Keep in mind that this card does have a 3% foreign transaction fee for purchases made outside the U.S. Other fees may apply for cash advances, balance transfers after the initial 60 days, and wire transfers from non-financial institutions.

If you’re new to credit and looking to establish a solid financial foundation, the BankAmericard Credit Card for Students is a good choice. Once you’ve built your credit history and developed good financial habits, you can consider upgrading to a rewards card.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Introductory 0% purchase APR for 18 months
  • Introductory 0% APR for 18 months on balance transfers made within 60 days of account opening
  • No fee on balance transfers made within 60 days of account opening
  • Access to credit and budgeting education and free monthly FICO Score reports
  • No annual fee

Who this card may suit

  • You're a student just starting out building your credit history
  • You're looking for a great introductory APR offer on purchases and balance transfers
  • You want a credit card with no annual fees
  • You want the ability to monitor your credit score monthly

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR0% for 21 months from account opening date
Regular Purchase APR16.24% to 26.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% for 21 months from account opening date
Balance Transfer APR16.24% to 26.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR19.24% to 29.24% variable based on creditworthiness and the Prime Rate
Cash Advance Transaction FeeEither $10 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $40
Return Payment Penalty FeeUp to $29

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit Limited or No Credit.

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BankAmericard® Credit Card for Students

Apply Now for BankAmericard® Credit Card for Students (opens in a new tab)

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