Student Unlimited Cash Rewards Credit Card
Basic Information
Program ID: bank-of-america-student-unlimited-cash-rewards-credit-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 08:08
Last Scraped: 01/15/2026 06:05
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater (maximum $99) |
| 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: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Cash rewards are typically credited to your account within 8-12 weeks after you've met the spending requirement. They usually appear within 1-2 billing cycles after the statement period in which the requirement was met.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.50%
Bonus Reward Rate: 3.00%
Bonus Categories: 3% cash back in a category of choice (Gas, Online Shopping, Dining, Travel, Drug Stores, Home Improvement/Furnishings), 2% cash back at grocery stores and wholesale clubs
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash rewards do not expire as long as the account is open and in good standing.
Transfer Partners: N/A - Cash back card
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Applicants for the Bank of America Student Unlimited Cash Rewards credit card must be currently enrolled in an accredited college or university, be at least 18 years old, and demonstrate an ability to pay (e.g., through part-time income, scholarships, or allowance). Proof of enrollment may be required. The typical sign-up bonus offers $200 cash back after spending $1,000 in purchases within the first 90 days of account opening. This bonus is generally not available to applicants who currently have or have had this specific card in the past 24 months. Bank of America enforces strict application velocity rules, commonly known as the '2/3/4 Rule': applicants are generally limited to 2 new cards in the past 2 months, 3 new cards in the past 12 months, and 4 new cards in the past 24 months across all issuers. Exceeding these limits will likely result in an application denial.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, unusual spending patterns, high cumulative credit limit across BoA products, defaulting on other BoA accounts, rapid succession of large credit limit increases, abusing return policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Users appreciate the card's accessibility for those with limited credit history, its straightforward 1.5% unlimited cash back rewards, and the absence of an annual fee, making it an excellent tool for building credit.
Top Negative Feedback:
Some users note the rewards rate is lower than premium cards, and the card offers limited additional benefits. Occasional feedback on customer service consistency is also mentioned.
Approval Experience Score: 80.0 / 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: $90.00
User Portfolio Metrics
Avg Portfolio Size: 1 cards
Avg Portfolio Age: 12 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