Bank of America® Customized Cash Rewards Credit Card for Students

Bank of America Visa Signature Pending

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14

Benefits

3

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: bank-of-america-customized-cash-rewards-credit-card-for-students

Issuer: Bank of America

Card Name: Bank of America® Customized Cash Rewards Credit Card for Students

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 08:06

Last Scraped: Feb 05, 2026 13:49

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of credit to a maximum annual percentage rate of 36 percent (MAPR), which includes certain fees and charges. For more details, call 1.800.424.5929.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Choice Category 3x Cash Back Cash back in the category of your choice (Gas, Online Shopping, Dining, Travel, Drug Stores, or Home Improvement/Furnishings). Applies to the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%. No Cap
Groceries & Wholesale Clubs 2x Cash Back Cash back at grocery stores and wholesale clubs. Applies to the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%. No Cap
All Other Purchases 1x Cash Back Cash back on all other purchases, including purchases made after the combined quarterly cap is reached for 3% and 2% categories. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 3x

Categories: 3% cash back in one category of your choice (from a list of categories), 2% cash back at grocery stores and wholesale clubs

Quarterly Rotating: No

Cap Amount: $2,500.00

Expiration Policy: Cash rewards do not expire

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption amount of $25 for statement credit or direct deposit

Benefits & Protections (Detailed) 14 Total
PENDING
Financial 5
No Annual Fee
No annual fee

There is no annual fee for this credit card.

Introductory APR on Purchases
0% APR for 15 billing cycles

Enjoy a 0% introductory APR on purchases for the first 15 billing cycles from account opening.

Introductory APR on Balance Transfers
0% APR for 15 billing cycles on transfers within 60 days

Enjoy a 0% introductory APR on balance transfers for the first 15 billing cycles for transfers made within 60 days of account opening.

Free FICO® Score Access
Free access

Access your FICO® Score for free within your online banking account, helping you monitor your credit health.

Optional Overdraft Protection
Optional service

Link your credit card to your Bank of America checking account to help prevent declined transactions and overdraft fees.

Lifestyle 2
Mobile Banking Access
Full mobile account management

Manage your account on the go with the Bank of America Mobile Banking app, including checking balances, making payments, and setting alerts.

Paperless Statements
Electronic statements

Opt for paperless statements to receive your monthly statements electronically, reducing clutter and environmental impact.

Rewards 4
Customized 3% Cash Back Category
3% cash back

Earn 3% cash back in a category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. You can change your choice category once a month or keep it the same.

2% Cash Back at Grocery Stores and Wholesale Clubs
2% cash back

Earn 2% cash back at grocery stores and wholesale clubs.

1% Cash Back on All Other Purchases
1% cash back

Earn 1% cash back on all other purchases.

Quarterly Bonus Cash Back Cap
Up to $2,500 in combined purchases per quarter

The 3% and 2% cash back earnings apply to the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. After that, 1% cash back applies.

Security 2
Fraud Liability Protection
$0 Liability for Fraud

You are not liable for unauthorized transactions made with your card.

Account Alerts
Real-time notifications

Receive alerts for suspicious activity, payment reminders, and more to help you stay on top of your account.

Shopping 1
Digital Wallet Compatibility
Compatible with major digital wallets

Easily add your card to popular digital wallets like Apple Pay®, Google Pay™, and Samsung Pay® for secure and convenient payments.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$200

Cash Back

Requirement: Spend $1,000 in 90 days

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $30.00
Balance Transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: To be eligible for the Bank of America Customized Cash Rewards Credit Card for Students, applicants must be 18 years or older, a U.S. resident with a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and currently enrolled in a two-year or four-year college, university, or vocational school. Applicants must also demonstrate an ability to pay, typically through reported income (which can include scholarships, grants, or reliable allowance). **Application Rules (Bank of America 2/3/4 Rule for 2026):** * You cannot be approved for more than 2 Bank of America credit cards within a 2-month period. * You cannot be approved for more than 3 Bank of America credit cards within a 12-month period. * You cannot be approved for more than 4 Bank of America credit cards within a 24-month period. **Welcome Bonus Eligibility (24-Month Rule):** * You may not be eligible for the welcome bonus if you currently have or have had the Bank of America Customized Cash Rewards card (any version, including student, standard, or Preferred Rewards versions) in the last 24 months. This rule applies to receiving a new bonus for the same product family.

Max Cards Per Issuer: 5

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending, excessive credit limit utilization across all Bank of America accounts, rapid application for multiple cards (even within the 2/3/4 rule if deemed suspicious), unusual spending patterns inconsistent with reported income, frequent balance transfers without new spending, or repeated late payments.

Cliff Effect Rules: The primary 'cliff effect' for Bank of America is the 24-month rule for welcome bonus eligibility. If you have received a welcome bonus for any Bank of America Customized Cash Rewards card (including the student version) within the last 24 months, you will generally not be eligible for a new welcome bonus on another Customized Cash Rewards card, regardless of whether it's a different version (e.g., student vs. standard). This rule is designed to prevent 'churning' of bonuses within the same product family.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.9 / 5.0

Top Positive:
Flexible cash back categories, no annual fee, good for building credit, and offers a sign-up bonus.

Top Negative:
Lower initial credit limits, foreign transaction fees, and caps on bonus rewards categories.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Discover it® Student Cash Back
  • Capital One SavorOne Student Cash Rewards Credit Card
  • Chase Freedom Rise℠

Card Value Score: 88.0 / 100

Est. Annual Rewards: $115.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0