Bank of America® Unlimited Cash Rewards Credit Card for Students
Basic Information
Program ID: bank-of-america-unlimited-cash-rewards-credit-card-for-students
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/13/2026 14:51
Last Scraped: 01/15/2026 17:53
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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. |
| 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: 1,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 1,924.00%
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: Please allow 8-12 weeks for bonus cash back to post to your account after meeting the spending requirement.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.50%
Bonus Reward Rate: 1.50%
Bonus Categories: None
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
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: This card is designed for students enrolled in an accredited college or university, aged 18 or older, with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants must demonstrate sufficient income (e.g., from part-time jobs, scholarships, or allowances) to meet credit obligations. Application Rules (Bank of America's 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. This rule applies across all Bank of America consumer credit card products. Bonus Eligibility: A new cardmember bonus (e.g., $200 cash back after spending $1,000 in the first 90 days, subject to change for 2026) is typically available only to applicants who have not had this specific card or a similar Bank of America cash rewards card in the past 24 months.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending activities (e.g., excessive gift card purchases to meet spend requirements), high cumulative credit limits across Bank of America accounts, rapid credit cycling, abuse of sign-up bonuses or promotional offers, suspicious or unusual spending patterns, failure to make timely payments, or defaulting on other Bank of America accounts. Opening too many accounts with various issuers in a short period can also trigger a financial review.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Simple and consistent 1.5% cash back on all purchases, no annual fee, no foreign transaction fees, good for building credit, and a decent introductory APR offer.
Top Negative Feedback:
Potentially lower credit limits compared to non-student cards, rewards might not be as high as tiered cash back cards, limited premium benefits.
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: 80.0 / 100
Est. Annual Rewards: $105.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 12 months
Store vs Co-brand: 95% General / 5% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: April 2024