| Category | Rate | Type | Cap |
|---|---|---|---|
|
Travel Booked Through Bank of America Travel Center
Earn 3 points per dollar (1.5 base points plus 1.5 bonus points) on eligible travel purchases booked through the Bank of America Travel Center, including flights, hotels, car rentals, and vacation packages.
|
3x | Points | No cap |
|
All Other Purchases
Earn unlimited 1.5 points per dollar spent on all purchases not booked through the Bank of America Travel Center, with no category restrictions and no earning caps.
|
1.5x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Balance Transfers
0% introductory APR on balance transfers made within the first 60 days of account opening for 15 billing cycles; balance transfer fee applies; the variable ongoing APR applies after the introductory period ends.
|
Financial | 0% for 15 billing cycles |
|
0% Intro APR on Purchases
0% introductory APR on purchases for 15 billing cycles from account opening; the variable ongoing APR applies after the introductory period ends.
|
Financial | 0% for 15 billing cycles |
|
No Annual Fee
No annual fee charged for primary cardmembers or authorized users, keeping the total cost of card ownership at $0.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
No fees charged on purchases made outside the United States or in a foreign currency, making this the only Bank of America student card with no foreign transaction fee and ideal for students studying abroad.
|
Financial | 0% foreign transaction fee |
|
Overdraft Protection
Optional overdraft protection service that links the credit card to an eligible Bank of America checking account to help prevent declined purchases, returned checks, or other overdrafts; transfer fees may apply.
|
Financial | Complimentary (transfer fees may apply) |
|
Account Alerts
Customizable email or text alerts to notify cardholders of payment due dates, payment confirmations, balance thresholds, and other account activity.
|
Other | Complimentary |
|
Bank of America Mobile Banking App
Full-featured mobile banking app for viewing balances, making payments, managing travel rewards points, setting alerts, and accessing account features.
|
Other | Complimentary |
|
Bank of America Travel Center Access
Cardholders have access to the Bank of America Travel Center to book flights, hotels, car rentals, and vacation packages while earning 3x points on eligible travel bookings.
|
Other | Complimentary |
|
Credit Bureau Reporting
Bank of America reports account activity to all three major credit bureaus — Equifax, Experian, and TransUnion — monthly, actively supporting credit history building for students.
|
Other | Complimentary |
|
Free FICO® Score Access
Cardholders who opt in can access their FICO® Score updated monthly for free within the Bank of America Mobile Banking app or Online Banking.
|
Other | Complimentary |
|
Paperless Statements
Cardholders can opt for paperless electronic credit card statements to increase account security while reducing paper consumption.
|
Other | Complimentary |
|
1.5X Points on All Purchases
Earn unlimited 1.5 points per dollar spent on all purchases with no category restrictions and no earning caps.
|
Rewards | 1.5x points |
|
3X Points on Travel Booked Through Bank of America Travel Center
Earn 3 points per dollar (1.5 base plus 1.5 bonus) on travel purchases booked through the Bank of America Travel Center, including flights, hotels, car rentals, and vacation packages.
|
Rewards | 3x points |
|
Flexible Points Redemption
Redeem points as a statement credit toward eligible travel and dining purchases made in the past 12 months (minimum 2,500 points, worth $25 at 1 cent per point), or as cash back or gift cards at lower redemption values.
|
Rewards | 1 cent per point for travel/dining credits |
|
Points Never Expire
Points do not expire as long as the account remains open and in good standing.
|
Rewards | No expiration |
|
Preferred Rewards Points Bonus
Bank of America Preferred Rewards members earn an additional 25%–75% bonus on all points earned with the card, depending on qualifying tier, boosting the base rate to between 1.875x and 2.625x on all purchases.
|
Rewards | 25%–75% rewards bonus |
|
Welcome Bonus
Earn 25,000 online bonus points after making at least $1,000 in purchases within the first 90 days of account opening; points are redeemable as a $250 statement credit toward travel and dining purchases.
|
Rewards |
25,000 points ($250 in travel credits)
Up to $250
|
|
$0 Liability Guarantee for Fraud
Cardholders are not responsible for any unauthorized transactions reported promptly; Bank of America's $0 Liability Guarantee covers fraudulent charges made with the card.
|
Security | $0 liability |
|
Chip Technology
Card is equipped with EMV chip technology for enhanced security and protection when making purchases at chip-enabled terminals worldwide.
|
Security | Complimentary |
|
Contactless Payments
Card supports tap-to-pay contactless transactions at merchants with NFC-enabled terminals for faster and more secure checkout.
|
Security | Complimentary |
|
Fraud Monitoring and Alerts
Bank of America monitors the account for suspicious or unusual activity and alerts cardholders via text, email, or phone when potentially fraudulent transactions are detected.
|
Security | Complimentary |
