Bank of America® Unlimited Cash Rewards Credit Card for Students

Bank of America Visa Standard Pending

Back Apply Now

0

Benefits

0

Reward Categories

—

Max Reward

19.2%

APR From
Basic Information
PENDING

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

Issuer: Bank of America

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

Card Type: Credit

Network: Visa

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 13, 2026 14:51

Last Scraped: Jan 15, 2026 17:53

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1.5x

Bonus Rate: 1.5x

Categories: None

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as the account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

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

Timing: Please allow 8-12 weeks for bonus cash back to post to your account after meeting the spending requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $1.50
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 19.24% - 29.24%

Balance Transfer APR: 19.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 5

Min 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.

Cliff Effect Rules: The primary 'cliff effect' for Bank of America cards, including student cards, relates to the Preferred Rewards program. While not directly a 'cliff' for the card itself, eligibility for Preferred Rewards tiers (based on combined balances in BoA/Merrill accounts) can significantly boost the cash back earning rate (e.g., 25% to 75% bonus). Losing Preferred Rewards status due to a decrease in balances would result in a reduction of the cash back bonus.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
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:
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: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: April 2024