Bank of America® Unlimited Cash Rewards Credit Card for Students | CompareCards.com

Bank of America® Unlimited Cash Rewards Credit Card for Students

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Our pick for the card with truly unlimited cash back on all purchases.

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Bank of America® Unlimited Cash Rewards Credit Card for Students

 

Rated 4/5.0 stars by our editorial team

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  • Regular APR 18.24% - 28.24% Variable APR
  • Intro Purchase APR 0% Intro APR for 15 billing cycles for purchases
  • Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. A 3% fee applies to all balance transfers.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Regular Purchase APR 18.24% - 28.24% Variable APR
  • Intro Purchase APR 0% Intro APR for 15 billing cycles for purchases
  • Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. A 3% fee applies to all balance transfers.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Card Fees

Foreign Transaction Fee

3%

Balance Transfer Fee

3% of the amount of each transaction.

Cash Advance Fee

See Terms

Penalty APR

up to 29.99% APR

Ongoing Information

Rewards Rate

1.5% cash back on all purchases

Annual Fee

$0

Additional Card Details

$0 Fraud Liability

Yes

Auto Rental Insurance

No

Extended Warranty Program

Yes

Roadside Assistance

Yes

Purchase Protection

No

Travel Assistance

Yes

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

Yes

Expert Reviews

From the CompareCards.com Editorial Team, updated on Nov 29, 2023

If you care more about cash back than travel, dining or any reward in particular, the Bank of America® Unlimited Cash Rewards Credit Card for Students could make all the sense in the world. Clocking in at 1.5% cash back on all purchases this card sets no limits around the amount of cash back you can earn—plus, the rewards never expire. 
 
Ultimately, that means more money back in your pocket for your day-to-day spending. Moreover, you’ll earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Add another point in the “better rewards for everyday spending” column. 
 
The cherries on top? No annual fees and a 0% Intro APR for 15 billing cycles for purchases. After the introductory period, there is a 18.24% - 28.24% Variable APR.

Expert Reviews of the Bank of America® Unlimited Cash Rewards Credit Card for Students

  • 4.0

    Regular APR

  • 4.5

    Intro APR

  • 4.0

    Fees

  • 3.5

    Benefits

  • 4.0/5

    Overall Rating

The Bottom Line

The Bank of America® Unlimited Cash Rewards Credit Card for Students is a do-it-all card that could come in handy for life on campus.

The Good

It’s tough to top a card that pays you back with every single purchase and gives you a $0 annual fee.

The Not so Good

Acquiring this card may require better (or longer-standing) credit scores than some students have to offer.

Editorial Note: This content is not provided by Bank of America. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Bank of America.

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Rated 4/5.0 stars by our editorial team

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