Bank of America® Travel Rewards Credit Card for Students
Basic Information
Program ID: bank-of-america-student-travel-rewards-credit-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 08:05
Last Scraped: 01/15/2026 06:01
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer (minimum $10) |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Points
Base Reward Rate: 1.50%
Bonus Reward Rate: 1.50%
Bonus Categories: All Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility for the Bank of America Student Travel Rewards Credit Card requires applicants to be enrolled in a college or university, typically 18 years or older, with a Social Security Number (SSN) or ITIN, and demonstrate a reasonable ability to pay, often with limited or no prior credit history. Bank of America enforces a strict application velocity rule, commonly known as the 2/3/4 rule: applicants are generally limited to 2 new cards in 2 months, 3 new cards in 12 months, and 4 new cards in 24 months across all Bank of America credit card products. New cardmember bonus offers are typically available once per account type every 24 months, meaning eligibility for a bonus may be restricted if a bonus for this specific card (or a substantially similar product) was received within the last 24 months. A typical new cardmember bonus requires meeting a minimum spend threshold within a specified initial period.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit limit requests, rapid application velocity (beyond 2/3/4 rule), frequent balance transfers without genuine spending, account inactivity, or significant changes in financial behavior that suggest increased risk.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Easy to get for students, good for building credit, offers basic travel rewards, and no annual fee.
Top Negative Feedback:
Lower credit limits, rewards rate might be modest compared to non-student cards, and some users report average customer service.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Discover it Student Cash Back
- Capital One SavorOne Student Cash Rewards Credit Card
- Chase Freedom Rise℠
Card Value Score: 75.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 18 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0