Bank of America® Customized Cash Rewards credit card for Students Review

Last Updated on May 13, 2026

Offer Rating

5.0/5

By Our Content Team

EDITOR

Earn cash back in the categories that you spend the most on with the Bank of America® Customized Cash Rewards credit card for Students. This card offers a large sign up bonus, flexible cash back on every purchase, and no annual fee!

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Bank of America® Customized Cash Rewards credit card for Students

5.0 BCC Score

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on Bank of America's secure site

Welcome Offer

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Rewards Rate

6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases

Intro APR

0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases

Annual Fee

Credit Score Needed

Excellent/Good

Card Brand

Visa®

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
No annual fee and cash rewards don’t expire as long as your account remains open.
Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

Flexible and customizable cash back program
A bountiful sign up bonus
An extensive intro APR period

Cons

You need Excellent/Good credit for this card

OUR EXPERT REVIEW

Why We Like It

The Bank of America® Customized Cash Rewards credit card for Students is in a league of its own offering students a card meticulously tailored to maximize cash back. Earn 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases!

New cardholders can kickstart cash back with a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. This card makes it impossible not to earn cash back when you spend, and if that's what you're looking for in a card, then look no further. Cash back does not expire as long as your account remains open, and there is no annual fee.

Enjoy 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers. This card is a great option for students who want to maximize cash back while also potentially building up their credit history!

Pros & Cons

Pros

Flexible and customizable cash back program
A bountiful sign up bonus
An extensive intro APR period

Cons

You need Excellent/Good credit for this card

Pros Explained

Flexible and customizable cash back program: Not many student cards offer such a flexible cash back program like this: 6% cash back for the first year in the category of your choice, 3% cash back after the first year from account opening in your choice category, 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
A bountiful sign up bonus: Cardholders can enjoy the opportunity to earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
An extensive intro APR period: A rare perk on such a great cash back card: 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 17.49% - 27.49% Variable APR on purchases and balance transfers