Earn 1.5 points for every $1 you spend on purchases and travel anywhere, any time with no blackout dates
No annual fee & no foreign transaction fees
Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts
Book travel as you normally would and go online or call to redeem your points for a statement credit towards all or part of your travel purchases
There is no limit to the total number of points you can earn and points do not expire
Use Mobile Banking and text alerts to stay on top of your account
Relax with fixed payment due dates. You'll always know when payments are due
Smart chip technology provides greater acceptance and added security, so you can make purchases with ease and confidence outside of the U.S. View Chip Card FAQs
Online-exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - which can be redeemed for a $100 statement credit towards travel purchases
The Bank of America® Travel Rewards Credit Card for Students is a high-value student credit card that offers flexible travel rewards and a long list of attractive features. At first glance, this card appears to have it all: sign-up bonus, unlimited flat-rate rewards, 0% intro APR offer, no foreign transaction fees, and no annual fees. However, it's not without its drawbacks. Learn more about this card in our Bank of America® Travel Rewards Credit Card for Students review so you can decide whether it's right for you.
Rating image, 4.50 out of 5 stars.
Credit Score:
New/Rebuilding Under(579)
Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Intro APR Info IconCircle with letter I in it. 0% introductory APR for 18 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After the intro APR ends, 16.24% - 26.24% Variable APR will apply.
Purchases: 0%, 18 billing cycles
Balance Transfers: 0%, 18 billing cycles
Regular APR
16.99% - 26.99% variable
Rewards
1.5 points per dollar
Welcome Offer Info IconCircle with letter I in it. 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening,which can be redeemed for a $250 statement credit toward travel and dining purchases .
25,000 points
-
With a generous sign-up bonus and a rewards program, it'll be harder to find a better card for students.
- Big sign-up bonus
- No annual fee
- Competitive rewards rate
- 0% intro APR offer
- No bonus categories
- Limited ways to use points
- Flat 1.5-point earning rate: The Bank of America Travel Rewards Credit Card for Students earns an unlimited 1.5 points for every dollar spent with the card. Points never expire and can be applied toward any airline or hotel with no blackout dates.
- Sign-up bonus: You can earn 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening, which can be redeemed for a $250 statement credit toward travel and dining purchases .
- No additional fees: There is a $0 annual fee and no foreign transaction fee.
- Introductory APR: The card offers a 0% introductory APR for 18 billing cycles on purchases, and for any balance transfers made within 60 days of opening your account. After that, the variable APR is 16.99% - 26.99% based on your creditworthiness.
- Free credit score: The Bank of America Travel Rewards Credit Card for Students offers monthly FICO credit score access for free to help students build good credit.
This credit card is a good fit for: Students who are getting started building a credit history and want easy-to-use travel points.
Top perks
Unlimited 1.5 points per $1
This flat-rate rewards system is easy and lucrative, offering an unlimited 1.5 points per $1 on purchases, so you don't have to worry about using different cards for different purchases to maximize your rewards. This is one of the best basic cash back rates out there across all rewards credit cards, and the fact that it's a student credit card makes it even more impressive.
25,000 bonus points offer
You can earn 25,000 online bonus points with the Bank of America® Travel Rewards Credit Card for Students if you spend $1,000 in the first 90 days. These points can be redeemed for a $250 statement credit toward travel purchases. This is one of the most valuable sign-up bonuses offered by a student credit card.
Intro 0% APR on purchases and balance transfers
On top of the rewards, you can also take advantage of a 0% intro APR on purchases for the first 18 billing cycles, and for any balance transfers made within 60 days of opening the account. While this isn't the longest 0% intro APR offer, it's still pretty generous for a student credit card that also offers rewards. Just make sure to pay off your balance before the intro period ends and the standard APR is applied.
Flexible rewards
Rather than earning miles and points that can only be redeemed with one brand, the Bank of America® Travel Rewards Credit Card for Students earns generic points that can be used for statement credits to cover a wide range of travel purchases. These include flights, hotels, cruises, vacation packages, baggage fees, and rental cars. Points are worth $0.01 each, so you'd need 10,000 points to "erase" a $100 travel purchase.
Read more: Best Rewards Credit Cards
No foreign transaction fees
If you're going to travel internationally, having a credit card that doesn't charge foreign transaction fees is a must. Most credit cards charge a 3% foreign transaction fee on purchases made abroad, meaning you'd pay $30 in fees per $1,000 you spend. With the Bank of America® Travel Rewards Credit Card for Students, you don't have to worry about fees eating up your vacation funds.
No annual fee
This card doesn't charge an annual fee, so you can give it a spin without worrying about accumulating fees that will cancel out any rewards you earn.
Alternatives to consider
- If you want bonus cash back at restaurants and gas stations: The Discover it® Student chrome doesn't have a minimum credit score requirement, and it still comes with a cash back rewards program. You'll even earn 2% cash back on restaurant and gas station purchases ($1,000 spending cap quarterly), plus a dollar-for-dollar Cashback Match of rewards earned the first year for new cardholders.
- If you want generous flat-rate cash back on purchases and have good credit: If you've got good credit, it's worth considering the Citi® Double Cash Card – 18 month BT offer You'll effectively earn 2% cash back on purchases, making the rewards on this card more generous and more flexible. While it doesn't offer a sign-up bonus, it does come with a lengthy balance transfer offer if you're paying off debt.
Read more: Best Travel Rewards Credit Cards
As of Oct. 04, 2022
Bank of America® Travel Rewards Credit Card for Students | Discover it® Student chrome | Citi® Double Cash Card – 18 month BT offer |
Rating image, 4.50 out of 5 stars. 4.50 stars
Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for
you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | Rating image, 4.50 out of 5 stars. 4.50 stars
Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for
you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | Rating image, 5.00 out of 5 stars. 5.00 stars
Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for
you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. |
Apply Now for Discover it® Student chrome On Discover's Secure Website. | Apply Now for Citi® Double Cash Card – 18 month BT offer On Citi's Secure Website. | |
Read Full Review | Read Full Review | |
Rates & Fees | ||
Credit Rating Requirement: New/Rebuilding Under(579)
Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending
decisions. | Credit Rating Requirement: Fair/New to Credit Under(669)
Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending
decisions. | Credit Rating Requirement: Good/Excellent (670-850)
Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending
decisions. |
Welcome Offer: Welcome Offer info 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening,which can be redeemed for a $250 statement credit toward travel and dining purchases . 25,000 points | Welcome Offer: Welcome Offer info Discover will match all the cash back you’ve earned at the end of your first year. Cashback Match | Welcome Offer: Welcome Offer info Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. $200 cash back |
Rewards Program: 1.5 points per dollar | Rewards Program: Info IconCircle with letter I in it. 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically 1% - 2% Cashback | Rewards Program: Info IconCircle with letter I in it. 2% cash back: 1% when you buy plus 1% as you pay Up to 2% cash back |
Intro APR: Intro APR Tooltip 0% introductory APR for 18 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After the intro APR ends, 16.24% - 26.24% Variable APR will apply. Purchases: 0%, 18 billing cycles Balance Transfers: 0%, 18 billing cycles | Intro APR: Purchases: 0%, 6 months Balance Transfers: 10.99%, 6 months | Intro APR: Intro APR Tooltip N/A Purchases: N/A Balance Transfers: 0%, 18 months |
Regular APR: 16.99% - 26.99% variable | Regular APR: 15.99% - 24.99% Variable APR | Regular APR: 16.99% - 26.99% (Variable) |
Annual Fee: $0 | Annual Fee: $0 | Annual Fee: $0 |
Highlights:
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| Highlights:
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Apply Now for Discover it® Student chrome On Discover's Secure Website. | Apply Now for Citi® Double Cash Card – 18 month BT offer On Citi's Secure Website. | |
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What could be improved
Transfer partners
While a point value of $0.01 each is pretty standard for rewards credit cards, you can often get more value from a card that allows you to transfer points to rewards partners. Strategic transfers can easily yield a value of $0.02 to $0.03 per point, so adding some transfer partners would up the value of this card.
Minimum redemption requirement
This card comes with a minimum redemption requirement of 2,500, meaning you have to wait until you have at least that many points saved up before you can redeem them. Ideally, there would be no set minimum.
Credit score requirement
This credit card has more stringent credit requirements than many other student credit cards, so it might be harder to qualify if you're new to credit or rebuilding credit.
Travel insurance
The best travel credit cards don't just offer travel rewards, they also come with a long list of protections like trip cancellation or delay insurance, lost or delayed baggage insurance, and rental car insurance.
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Suggested credit score
The Bank of America® Travel Rewards Credit Card for Students likely requires a good credit score of at least 670 for approval. If you have low or no income, Bank of America also allows cosigners.
For more options, take a look at our picks for the best credit cards for good credit.
The Bank of America Travel Rewards for Students is right for you if:
The Bank of America® Travel Rewards Credit Card for Students definitely packs a punch, and for the right person, it comes with just about everything you could ask for in a credit card. This card is best for you if:
- You're a student with good credit and/or a cosigner
- You make travel-related purchases regularly
- You're looking to finance a purchase you can pay off within one year
- You're looking for an easy, fee-free credit card
Because the rewards points can only be applied to travel purchases like airline tickets, hotels, rental cars, and cruises, this card isn't ideal for folks who don't make those purchases at least once per year. It's also harder to get than other student credit cards, so it's not the best choice if you're just getting started on your credit-building journey.
FAQs
The credit limit for this card typically ranges from $500 to $1,500, although some cardholders get higher or lower amounts. Since this is a student credit card, Bank of America tends to issue low credit limits to start.
Yes, this card is only for students. There's another version of the card with the same features, the Bank of America® Travel Rewards credit card, for non-students.
No, this card doesn't have trip cancellation insurance.