80,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Hawaiian Air
- 3%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
Bank of America
Bank of America® Customized Cash Rewards for Students
Built for college students looking to establish credit, the Bank of America® Customized Cash Rewards for Students card delivers flexible cash back without an annual fee. It is an ideal entry-level option for building positive payment history while earning rewards tailored to your actual spending habits.
Welcome Offer
$200
Annual Fee
$0
Rec. Credit Score
Rebuilding
Good For
College students building credit
All information about Bank of America® Customized Cash Rewards for Students has been collected independently by MaxRewards. Bank of America® Customized Cash Rewards for Students is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Bank of America® Customized Cash Rewards for Students worth it?
This card is great for...
Flexible category cash back
Building credit with no annual fee
First-time cardholders
For students wanting a low-risk way to start building credit, this card offers exceptional value. There is no annual fee to worry about, making it free to keep open long-term, which helps establish a longer average credit history. The card allows you to earn higher cash back in a category you select, making it easy to align rewards with a college budget, whether you spend most on online shopping, gas, or dining.
MaxRewards Verdict
This card is a standout pick for college students who want to build credit and earn cash back in their top spending category without paying an annual fee. Just leave it at home when traveling internationally to avoid foreign transaction fees.
Welcome Offer
$200
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$200
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
You earn cash back on all purchases, with the flexibility to choose which category earns your highest cash-back rate based on your personal monthly spending.
CategoryRate
Choice
Jul 1 – Sep 30 · Up to $2,500 in spend
3%
Grocery
Jul 1 – Sep 30 · Up to $2,500 in spend
2%
Everywhere
1%
Eligibility
Recommended Minimum Credit
Min: Poor
Poor
Fair
Good
Excellent
Poor credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
17.49% - 27.49%
Variable
Transfer APR
17.49% - 27.49%
Variable
Cash Advance APR
29.24%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$0.05
Cash Advance
$5
Late Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Featured in
Other cards from Bank of America
See all 42 cards
70,000 Points
Worth $1,050
After you spend $3,000 on purchases on your new card in your first 3 months of card membership.
- 4.5%Alaska Air
- 4.5%Dining
- 4.5%Hawaiian Air
Annual Fee
$395
Rec. Credit
Good
95,000 Points
Worth $950
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 3%Sonesta
- 2%Airline
- 2%Dining
Annual Fee
$75
Rec. Credit
Good