Bank of AmericaChecked Oct 4, 2026

Bank of America® Customized Cash Rewards Credit Card for Students

$200 cash rewards after you spend $1,000 in 3 months. No annual fee.

Welcome offer: Issuer's pagebankofamerica.com
“$200 online cash rewards bonus offer”
Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Annual fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR: Issuer's pagebankofamerica.com
“17.74% - 27.74%”
Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

The spending each assumes, a month

Light spender: groceries $300, dining $100, gas $100, everything else $500
Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards

No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
Worth more to a typical spender than about 80% of the 650 cards we track.
Lower top APR than about 50% of the 128 cards on our Sign-up bonuses list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

$200 cash

After you spend $1,000 on purchases in your first 3 months.

Online cash rewards bonus after making the required purchases in the first 90 days of account opening.

Spending it takes$333 a monthfor 3 months

Tracking sinceSep 29, 2026history will chart every change

6%The category of your choice: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings
2%Grocery stores and wholesale clubs
1%Everything else

Rates and fees for the Bank of America® Customized Cash Rewards Credit Card for Students, each with its source
Annual fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR	Issuer's pagebankofamerica.com “17.74% - 27.74%” Checked Oct 4, 2026Open on bankofamerica.com Report a problem variable
Intro APR	Issuer's pagebankofamerica.com “0% Intro APR Offer” Checked Oct 4, 2026Open on bankofamerica.com Report a problem 15 billing cycles
Balance transfer fee	Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026Open on bankofamerica.com Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem

What is the annual fee?: $0 Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?: Yes: 3%. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?: 17.74–27.74% APR bankofamerica.com, since Oct 4, 2026
Is there an intro APR?: 0% for 15 billing cycles. bankofamerica.com, since Oct 4, 2026
Is there a welcome bonus?: $200 cash back after $1,000 in purchases in 3 months. bankofamerica.com, since Oct 4, 2026

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).