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

Last Updated on May 13, 2026

Offer Rating

4.0/5

By Our Content Team

EDITOR

Enjoy a generous welcome offer as well as unlimited cash back with the Bank of America® Unlimited Cash Rewards credit card for Students. Read more and find out how you can build your credit with responsible use!

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Bank of America® Unlimited Cash Rewards credit card for Students

4.0 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

2% cash back on all purchases for the first year from account opening and 1.5% cash back on all purchases after the first year from account opening

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 2% cash back on purchases for the first year from account opening, with no limit to the amount of cash back you can earn.
Thereafter, you’ll earn unlimited 1.5% cash back on all purchases, with no expiration on rewards as long as your account remains open.
No annual fee.
Select your card design option when you apply – the Unlimited 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

Unlimited cash back on every purchase
A large welcome offer
This card can help you build your credit history
No annual fee

Cons

There is a foreign transaction fee

OUR EXPERT REVIEW

Why We Like It

The Bank of America® Unlimited Cash Rewards credit card for Students offers exactly what the name implies: Unlimited 2% cash back on all purchases for the first year from account opening and 1.5% cash back on all purchases after the first year from account opening! That certainly is not all this card has to offer; cardholders can also earn a large welcome offer and build their credit with this no annual fee card. Building credit history can be vital if you want to purchase a house, rent an apartment, or even apply for a car loan.

This card can help build a student's credit history with responsible use while offering 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. Plus, earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening! The Bank of America® Unlimited Cash Rewards credit card for Students is a great option for students who want to earn unlimited cash back across every purchase.

Pros & Cons

Pros

Unlimited cash back on every purchase
A large welcome offer
This card can help you build your credit history
No annual fee

Cons

There is a foreign transaction fee

Pros Explained

Unlimited cash back on every purchase: Cardholders can earn an unlimited 2% cash back on all purchases for the first year from account opening and 1.5% cash back on all purchases after the first year from account opening
A large welcome offer: Earn 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 can help you build your credit history: With responsible use, this card will help you build your credit history. That can be helpful when looking for an apartment or car loan!
No annual fee: Enjoy no annual fee for being a cardholder