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
Terms apply.
See rates & fees.Bank of America
Bank of America® Unlimited Cash Rewards for Students
This card is built for students who want a simple first rewards card and do not want to track bonus categories. It works best as an everyday spending card for routine purchases, with steady flat-rate cash back and no annual fee to justify.
Welcome Offer
$200
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.
Is the Bank of America® Unlimited Cash Rewards for Students worth it?
This card is great for...
First credit card spending
Everyday campus purchases
Simple flat-rate cash back
Yes, for students who want a low-maintenance card that earns cash back on everything and keeps the learning curve short. A flat 1.5% back is easy to use, and the welcome bonus is unusually solid for a student card if you can comfortably meet the spending requirement without overspending.
The tradeoff is that this is more of a starter card than a long-term rewards powerhouse. There are no listed travel or shopping perks, and students who spend heavily in categories like dining or groceries may eventually want a card with higher bonus rates. For building credit while earning straightforward cash back, though, this card does its job well.
MaxRewards Verdict
A strong fit for students who want an uncomplicated first card with steady rewards on every purchase. Its main limitation is simple: beyond the welcome bonus and flat cash back, there is not much extra value built in.
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
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Rewards
The rewards setup here is straightforward: you earn cash back at the same rate on every purchase. That makes this card easy to manage for students who want predictable value without keeping track of spending categories.
CategoryEst. yearly spendRateRewards
Everywhere
Est. yearly spend
Rate1.5%
Rewards$0$0
Est. Annual Rewards
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.
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
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
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80,000 Points
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After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 3%Alaska Air
- 3%Hawaiian Air
- 2%EV Charging
Annual Fee
$95
Rec. Credit
Excellent
Terms apply.
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75,000 Points
Worth $750
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 2%Dining
- 2%Travel
- 1.5%Everywhere
Annual Fee
$550
Rec. Credit
Good
Terms apply.
See rates & fees.