| 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 21 billing cycles; balance transfer fee applies; the ongoing variable APR applies after the introductory period ends.
|
Financial | 0% for 21 billing cycles |
|
0% Intro APR on Purchases
0% introductory APR on purchases for 21 billing cycles from account opening — the longest introductory period of any Bank of America student card; the ongoing variable APR applies after the introductory period ends.
|
Financial | 0% for 21 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 Penalty APR
Late or returned payments will not automatically trigger a penalty APR — the ongoing regular APR remains in effect even if a payment is missed, though a late payment fee still applies.
|
Financial | No penalty APR |
|
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, setting account alerts, and accessing account features from a mobile device.
|
Other | Complimentary |
|
Credit Bureau Reporting
Bank of America reports account activity to all three major credit bureaus — Equifax, Experian, and TransUnion — monthly, actively supporting the cardholder's credit history building as a student.
|
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, supporting credit awareness while building credit history.
|
Other | Complimentary |
|
Paperless Statements
Cardholders can opt for paperless electronic credit card statements to increase account security while reducing paper consumption.
|
Other | Complimentary |
|
$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.
|
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 |
