| Rewards | None |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 26.99% (variable) |
| Cash Advance Fee | $10 or 3% of the transaction amount (whichever is greater). |
| Late Payment Fee | Up to $40 |
| Purchases APR | 15.24% – 25.24% variable (after the 0% intro APR ends). |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The BankAmericard for Students Visa Credit Card is mostly known as a no-frills starter card. It doesn’t offer cash-back rewards or travel perks, but it does come with a long 0% intro APR on purchases and no annual fee — which is why many students look at it as a low-pressure way to build credit.
Most users say they like how simple the card is. Many reviewers mentioned that the long intro APR gives them breathing room on early expenses, and several appreciate that Bank of America reports to all major bureaus, helping them establish credit quickly.
On the flip side, many students complain that the card feels “too basic.” The lack of rewards is the biggest gripe, followed by a relatively high APR once the intro period ends. A few users also noted that customer service can feel inconsistent.
Personally, I think this card makes the most sense if you’re starting from scratch and want a safe, straightforward way to build credit without fees or complications. But if you’re hoping to earn cash back or perks while you spend, there are student cards out there that deliver more value.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
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perfect card for college life
I opened an account during my sophomore year, and it's been super helpful. No annual fee, easy payments, and it actually helped me build credit responsibly. It's simple, but exactly what I needed starting out.
