- Minimum Credit Required: Fair, Limited History
- Annual Fee:None
- Network: VISA
|Intro Rate 0%||Intro Period 15 months||Regular Rate 10.99% - 20.99% (V)|
|Intro Rate0%||Intro Period15 months||Regular Rate10.99% - 20.99% (V)||Balance Transfer Fee 3%|
|Cash Advance Rate 20.99% - 24.99% (V)||Cash Advance Fee 5% (min $10)|
- Fixed payment due date so you'll always know when your payment is due.
- Mobile Banking and text alerts to keep you on top of your finances.
- Access to Ultimate Money Skills™ for tips on building credit, budgeting and more.
- Max Late Fee: $35
- Max Overlimit Fee: N/A
- Max Penalty APR: 29.99% (V)
- Grace Period: 25 days
- Online Response: Yes
- Foreign Transaction Fee: 3%
If you currently have the BankAmericard® for Students and are satisfied or you like the terms of this credit card offer please let your friends know.
Share your experiences, thoughts or just ask a question:
- Shane Mitchell:
This credit card has been a trusty companion since I started college. IT was the first and only credit card I was issued, and it only had a $500 limit on it, but it has saved my bacon quite a few times. Although the interest rate for me was slightly steep, I credit that with having no credit prior to signing up for it. The rule of thumb for users just beginning with credit and having nothing on their credit report is to pay your bills on your card, and pay it off at the end of every month, this will help jack up your credit score quick.
March 6, 2013 at 11:12pm
- RG Liz:
When I was eighteen, I signed up for this card as part of a student banking package. My limit was relatively low, but I had low interest rates and it was perfect for what I needed it for. I absolutely love it and still have it today because of its ease of use. To my surprise, Bank of America has given me fantastic service when dealing with any issues that have come up and I feel very safe using this card. A few years ago, someone had stole my wallet and attempted to use my card but BoA contacted me immediately and reimbursed me for all unauthorized charges nearly instantly. Overall, I rate this card very highly.
February 8, 2013 at 07:48pm
- Kyle Curry:
I have been using this card for many years now. This was actually the first card that I ever applied for and received. I signed up for this card in my sophomore year. One day when they had a table set up near the computer lab at my college. The process was quick and easy, and I was instantly approved. The rates were very low, and I have never had a problem with the card. One of the best features of the card is the Safe Shop feature. This feature allows you to create a temporary credit card number with it's own limit to use online. This has come in handy more than once when I was going to use a website that I did not want to give my actual credit card number to. This is a great first card, I recommend it to any college student looking to build credit.
January 25, 2013 at 10:24pm
- Anonymous User:
This is my favorite credit card that I have had since I started college. I have mostly used this card for school supplies and any other fees that have arisen throughout my college career. These charges I have made range from 400 to 1000 dollars. No matter what, the payments for me have stayed at $15 dollars a month. I have not had any issue with unexpected fees or an annual rate. It is definitely the perfect card for a college student although I wish it had more rewards that were offered. Since my main bank is Bank of America, I love that I can easily access my accounts all in one place.
November 15, 2012 at 08:33pm
- Anonymous User:
I have had this card with Bank of America since I was 18 years old and I love it. It has been 4 years since I applied and was approved with no problems. I pay my bills on time and thus have paid zero fees since obtaining this card. Through the Bank of America website, I have set up an automatic bill pay and never have to worry about paying my bill on time. I also asked recently for a monthly spending limit raise and was approved instantly. Additionally, customer support was helpful when I had to activate the card for international use during a long trip to Europe. Customer support followed up on all questions I had during the trip. Highly recommended.
November 15, 2012 at 08:06pm
- Sarra Li:
I have had this credit card with Bank of America for almost about 4 years now. I have had this credit card with Bank of America for almost about 4 years now. I got it because I was already banking with them and I didn’t like my Capital One card anymore (there was a problem with the online billing). The 0% intro rate is great; I used it to pay for my car, car insurance bills, college tuition, and other recurring bills to build up my credit. They notify me almost immediately by phone and email when there is suspicious activity on my card, and it saved me a lot of money and they sent me a new card in no time when my old one got stolen, great customer support, too.
August 15, 2012 at 02:50pm
- Mandi Lawrence:
I've had this credit card for several months and it's come in VERY handy! However, if I don't use it each month, they charge interest. As long as you use it every month and pay it off, you don't really have to worry about the interest. Bank of America has been very helpful and it's always easy to contact someone if I have any questions. Their website makes it SUPER easy to view everything related to my card. I highly recommend this for students just starting out with credit, but remember- PAY IT OFF EVERY MONTH and don't think it gives you money, you're just BORROWING money!
July 25, 2012 at 05:11pm
- Shelby LeBlanc:
I have had this card since I first opened my bank account with Bank of America. It was convenient since I did not have to apply for it and was approved instantly. It's easy to pay off with my bank account too and works well as a first credit card. Although, there are no other benefits to the card. I prefer to use my cards with some form of cashback bonus or discount. There was also no option to change how the card looks; it is just plain silver. I also have a low limit of $1000 on this card compared to my Discover card. I'd recommend this card to start out building your credit but would not recommend using it as your primary card.
July 18, 2012 at 05:26pm
- Tam Europe:
I have been using this card since my freshman year in college. I am now a graduate student. I got this card because I wanted an easy way to increase my credit score through a credit card. I keep the limit low ($1000) and use it mainly in online purchases to keep my debit card safe. It was actually tied to my xbox account which was hacked and the card was charged multiple times from that account. I contacted the support and the charges were rescinded immediately and I received a new card within a few days. I always pay off my monthly statement so I incur no penalties or interest fees. Being able to pay off the credit card through my bank account is super easy and convenient. I would definitely recommend this card to any students looking to get their credit score up.
July 3, 2012 at 06:51pm
- Scentsational Scents:
I first got this card about a year ago and have loved it ever since. I have used Bank of America for 5 years so wanted to get my first credit card with them. This card is mainly used for gas and other minor purchases to build my credit. I have had a great experience with this card, including the time it was stolen and the card was ran up. Bank of America handled the fraud and refunded my money. I was not charged extra and did not receive any penalties. They also offer better interest rates than the other credit cards I had looked into. I also liked that they offered a variety of designs for the card. Would def recommend this card to any student who was looking into getting a credit card and building up good credit.
June 21, 2012 at 08:43pm
- Shelly Chalace:
I’ve had the Bank of America Student credit card for about a year now and I love it. I use this card for small purchases specifically to build my credit up. It is very useful when I’m in an emergency situation and need a little extra cash. I once lost my credit card and called Bank of America’s customer service to report it stolen and they were so helpful and nice. They canceled my lost credit card account and sent me a new card really fast. I make my monthly payment online which is really convenient! You can also view your statement online which includes your credit limit, interest rate, charges and balance. I definitely would recommend this credit card!
June 15, 2012 at 05:25am
- Kelli Wheeler:
The Student Platinum Visa credit card from Bank of America is a great first credit card for students looking to build credit. I applied for this card with my mother as a co-signer when I first went to college and was approved for $2000 because of her credit history. I have since been approved for an increased limit and have been able to remove my mother from the account. With this card alone I have built a responsible credit history. The online banking system is very easy to use and I pay my monthly bills within minutes of signing on. I also really appreciate the high level of security for my online account. I have found that this is seriously lacking in some other banks. There were many card design choices so everyone can find one that suits their liking. I was able to select one with a Florida State University design that truly fits my style. Like any credit card, if you pay off the entire balance on time you will not incur any interest.There is no annual fee or minimum balance. You do not get any reward points or cash back bonuses, but overall it is a great credit card for students and people just starting out towards financial independence. I would recommend the Student Platinum Visa credit card to anyone in my age-range (18-25) looking to build credit.
June 14, 2012 at 09:06pm
- La Fiesta Crofton:
I have had Bank of America's Student Platinum Visa card for about 3 years now, and I have yet to feel the need to make any complaints. Since I have been banking with them for years, they approved me with an initial credit limit of $500 even though I had not established credit yet. Making your monthly payment is easy because they allow you to do it online, in the mail, or at one of their banking centers, and they send you statements regularly so you can stay informed of what you've spent. After about 6 months of making my payments on time, they raised my credit limit without me needing to do anything! The interest rate is reasonable too, and you can now personalize your card with a picture of your choice on their website. It always makes me smile when I see my dog's cute little face on the front of that card! Over all, this is a great starter credit card for students and younger crowds who want to establish credit, but do not need the responsibility of managing a high limit card.
May 30, 2012 at 03:25am
- Rolling Blunts:
I have the platinum plus I must say its one of the nbest cards to strat with.
September 14, 2011 at 09:43am
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The card information shown on this page was last updated: June 11th, 2013 at 6:46 EDT
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