Bank of America® Travel Rewards Credit Card for Students

Bank of America Visa Visa Signature Pending

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17

Benefits

1

Reward Categories

1.5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: bank-of-america-student-travel-rewards-credit-card

Issuer: Bank of America

Card Name: Bank of America® Travel Rewards Credit Card for Students

Card Type: Credit

Network: Visa

Card Tier: Visa Signature

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 08:05

Last Scraped: Feb 05, 2026 13:47

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Purchases 1.5x Points Earn unlimited points on all eligible purchases. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1.5x

Bonus Rate: 1.5x

Quarterly Rotating: No

Expiration Policy: Points don't expire.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 2,500 points for a $25 statement credit. Redemption for cash back or gift cards may offer a lower value per point.

Benefits & Protections (Detailed) 17 Total
PENDING
Financial 3
No Annual Fee
$0

The card does not charge an annual fee for card membership.

Free FICO® Score Access
Free access

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

Credit Building

This card helps students build a positive credit history when used responsibly.

Lifestyle 1
Visa Signature Concierge
Complimentary service

Provides 24/7 complimentary assistance for travel planning, dinner reservations, event tickets, and more.

Purchase Protection 3
Purchase Security
Up to $500 per claim, maximum $50,000 per cardholder per year

Protects eligible new purchases against theft or damage for a specified period (e.g., 90 days) from the date of purchase.

Extended Warranty Protection
Up to $10,000 per claim, maximum $50,000 per cardholder per year

Extends the manufacturer's original U.S. warranty by up to one additional year on eligible items with warranties of three years or less.

Return Protection
Up to $250 per item, maximum $1,000 per cardholder per year

If you are dissatisfied with an eligible item purchased with your card within 90 days of purchase and the store won't take it back, you may be reimbursed for the purchase price.

Rewards 3
Base Rewards Earning
1.5 points per $1

Earn 1.5 points for every $1 spent on all eligible purchases.

Welcome Bonus Offer
25,000 points

Earn 25,000 bonus points after making at least $1,000 in purchases in the first 90 days of account opening.

Flexible Point Redemption

Redeem points for travel, cash back, gift cards, or apply them as a statement credit.

Security 3
Fraud Protection

Protection against unauthorized purchases and transactions.

Account Alerts

Receive alerts for suspicious activity, payment reminders, and other account updates.

Digital Wallet Compatibility

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

Travel 2
No Foreign Transaction Fees
0%

Avoid additional fees on purchases made outside the United States.

Roadside Dispatch®
Pay-per-use service

A pay-per-use roadside assistance program. You can call for a tow, jump-start, tire change, lockout service, or fuel delivery. Fees apply for services rendered.

Travel Insurance 2
Auto Rental Collision Damage Waiver
Up to the actual cash value of most rental vehicles

Provides secondary coverage for damage due to collision or theft for most rental vehicles when you pay for the rental with your eligible card and decline the rental company's collision damage waiver (CDW) or similar option.

Travel and Emergency Assistance Services
Referral services

Provides a range of referral services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services obtained.

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

25,000

Points/Miles

Requirement: Spend $1,000 in 90 days

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $1.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 3% 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: 29.24%

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
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Bank of America Student Travel Rewards Credit Card for 2026 is expected to require applicants to be currently enrolled in a college or university, be at least 18 years old, and demonstrate sufficient income or have a qualified co-signer. Bank of America enforces strict application rules, commonly known as the '2/3/4 rule': applicants are generally limited to receiving approval for no more than 2 new Bank of America credit cards within a 2-month period, 3 new cards within a 12-month period, and 4 new cards within a 24-month period. Welcome bonus eligibility, if offered, typically requires meeting a specified spending threshold within the first 90 days of account opening.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Bank of America accounts, frequent balance transfers without new spend, suspicious account activity, abuse of return policies, or non-compliance with terms of service.

Cliff Effect Rules: Bank of America's Preferred Rewards program offers enhanced rewards rates on eligible credit cards for customers who maintain qualifying balances across their Bank of America and Merrill accounts, creating significant tiers of value. The '2/3/4 rule' acts as a direct 'cliff' for new card approvals, preventing applications beyond the specified limits within the given timeframes.

Special Events: Not applicable for this general-purpose travel credit card.

Holiday Promos: Not applicable for this general-purpose travel credit card, though Bank of America may run issuer-wide promotions periodically.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
Users appreciate the card's simplicity with a flat 1.5x points on all purchases, no annual fee, and no foreign transaction fees, making it a solid choice for students looking to build credit and earn rewards on everyday spending and international travel.

Top Negative:
Some users find the rewards rate to be modest compared to non-student cards, lacking bonus categories for accelerated earning. The card also offers limited travel perks beyond basic points redemption, and the introductory bonus is sometimes absent or small.

Approval Experience: 78.0 / 100

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

Card Value Score: 70.0 / 100

Est. Annual Rewards: $180.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0