BankAmericard® for Students Credit Card

bank of america student platinum plus visa credit card
Required Credit Score: Fair, Limited History
4 221 reviews   Write a Review!
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BankAmericard® for Students Credit Card’s Rewards

This card does not offer rewards.

BankAmericard® for Students Credit Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 15 months
Intro Rate on Transfers
0% for 15 months
Regular Rate
10.99% - 20.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

BankAmericard® for Students Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   N/A
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE RATE 24.99% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • Fixed payment due date so you'll always know when your payment is due.
  • Paperless statement option
  • Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking
  • ShopSafe – add an extra layer of protection to your online shopping
  • Overdraft protection - An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your Bank of America® checking account to your credit card
  • Smart chip technology lets you make purchases with ease and confidence in over 130 countries outside of the U.S.
Apply Now
at Bank of America’s
secure site
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BankAmericard® for Students Credit Card Reviews

 
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3.8
Overall Rating: 3.8 / 5
Total Ratings: 221
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Dec 24, 2013
Photo of Anthony G.
5
By:
this credit card has been great for me while I've been away at school. I've never had any issues and the limits are set to a reasonable amount as to have enough to spend but not over spend you money!
Sep 6, 2013
Photo of Calvin H.
4
By:
This Bankamericard for Students Credit Card is fantastic! I've had it for just about a month now and it is absolutely fantastic! The only qualms I have about it are the boring rewards tiers. However, the 3% on gas is amazing. I always volunteer to pay upfront for the gas now, and my friends give me cash back. It's not much, but the cashback adds up. I also got a 100 dollar bonus from them for spending 500! It's such an easy offer to fulfill, this card is definitely worth checking out if you're just starting out. I am fairly new to the creditcard game and this is my first one ever.
Aug 23, 2013
Photo of Albert P.
4
By:
The BankAmericard for Students is the card that I'm currently using. Since I'm a college student, my starting credit score isn't that amazing and I need to built it up. So I got this card for starters and it's been working out so far. Although there's no rewards, this card is perfect for bringing you into the folds of credit card payments. There's nothing special about the no rewards, which is somewhat off putting, the balance transfers and cash advances are on par with a lot of other basic student cards. But the great thing about this card is that you will get alerts on fixed payments in order to more
Aug 19, 2013
Photo of Richard D.
5
By:
This was the first credit card I had when I was a student and it has remained one of the best. It is completely manageable and has a low rate for a person first starting out to build their credit. My payments every month have been extremely low, around 15 or 16 dollars a month which has allowed to a lot of room for re payment as well as other living expenses. I also liked their flexible payment date which allowed me to schedule their payments according to what is best for me. The online service is also very easy to use and its basically a one click payment and more
Aug 15, 2013
Photo of Connor F.
5
By:
As a student with barely any credit history, it was very difficult to find a credit card that I could qualify for. Thankfully, I managed to find the BankAmericard. Being somewhat irresponsible at times, it would be easy for me to forget to check when a bill is due, but this card has a fixed due date which is very helpful. Also, considering I know little about how to build and maintain a good credit history, the Ultimate Money Skills is a very helpful feature to give me tips on how to be a responsible credit card owner. The late fee is quite steep, but I never plan on being more
Jul 2, 2013
Photo of Jordan W.
5
By:
The best credit card available for me is the BankAmericard for Students! As a college student with a very limited credit history it is somewhat hard for me to buy the things I need on credit. This card gives me the flexibility I need, while also allowing for my limited experience with credit cards and establishing credit. I highly recommend the BankAmericard for Students!
Mar 6, 2013
Photo of Shane M.
4
By:
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.
Feb 8, 2013
Photo of RG L.
5
By:
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. more
Jan 25, 2013
Photo of Kyle C.
5
By:
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 more
Nov 15, 2012
Photo of Tiffani C.
5
By:
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.
Nov 15, 2012
Photo of Gabriela N.
5
By:
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 more
Aug 15, 2012
Photo of Sarra L.
4
By:
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 more
Jul 25, 2012
Photo of Mandi L.
4
By:
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!
Jul 18, 2012
Photo of Shelby L.
3
By:
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 more
Jul 3, 2012
Photo of Tam E.
5
By:
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 more
Jun 21, 2012
Photo of Scentsational S.
5
By:
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 more
Jun 15, 2012
Photo of Shelly C.
5
By:
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, more
Jun 14, 2012
Photo of Kelli W.
5
By:
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 more
May 30, 2012
Photo of La C.
4
By:
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 more
Sep 14, 2011
Photo of Rolling B.
5
By:
I have the platinum plus I must say its one of the nbest cards to strat with.
Sep 14, 2011
Photo of Card H.
Card Hub
Hi Rolling - What do you like most about this credit card? If you can share any specifics like your initial credit line, it would be very helpful to other consumers that are new to credit.
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Last updated on: Sep 26th, 2014 at 4:45 EDT