80,000 Points
Worth $1,200
After you spend $4,000 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
Bank of America
Bank of America® Unlimited Cash Rewards for Students
Designed for college students building credit, the Bank of America Unlimited Cash Rewards for Students delivers straightforward 1.5% cash back on every purchase. It is an easy, zero-annual-fee option for students who want consistent earnings without managing spending categories.
Welcome Offer
$250
Annual Fee
$0
Rec. Credit Score
Rebuilding
Good For
Students building credit
All information about Bank of America® Unlimited Cash Rewards for Students has been collected independently by MaxRewards. Bank of America® Unlimited 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® Unlimited Cash Rewards for Students worth it?
This card is great for...
Everyday student purchases
Flat-rate cash back
For college students looking to establish credit while earning money back on daily expenses, this card is a dependable option. The simple 1.5% earn rate on all purchases removes any guesswork, making it ideal for busy students who prefer low-maintenance rewards over tracking rotating categories. A strong welcome offer for a student card adds immediate value right out of the gate. The lack of an annual fee means you can keep the account open indefinitely to build your credit history without any holding costs. However, students planning to study abroad or travel internationally should bring a different card, as the 3% foreign transaction fee will eat into your earnings on purchases made outside the U.S.
MaxRewards Verdict
This card is an excellent, low-risk starting point for students who want effortless cash back with no annual fee, though international travelers should look for a option without foreign transaction fees.
Welcome Offer
$250
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$250
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$250
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
Earnings with this card are as simple as it gets, offering a flat cash-back rate on every single dollar you spend.
CategoryRate
Everywhere
1.5%
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
17.74% - 27.74%
Variable
Transfer APR
17.74% - 27.74%
Variable
Cash Advance APR
29.49%
Variable
Foreign Transaction Fee
3%
Balance Transfer
5%
Cash Advance
$5 or 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
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
70,000 Points
Worth $1,050
After you spend $2,500 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
Good