BankAmericard® for Students Credit Card

bank of america student platinum plus visa credit card
Required Credit Score:
Limited History
253 reviews   Write a Review
Info about the BankAmericard® for Students Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Change my rating to: Excellent

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   $38
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE
    RATE
    13.99% - 24.99% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   Yes, chip-and-signature
  • 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 when you shop online
  • 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.
  • $0 Liability Guarantee
Apply Now
at Bank of America’s
secure site

Customer Questions and Answers

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What's minimum credit score to get approved for this credit card?
Reply

Photo of Ana C.
Mar 2, 2015
The card requires limited or fair credit, which means you must have a bit of prior credit experience (and likely a FICO score of at least 620).
0 Votes

Customer Reviews

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3.8 out of 5

253 reviews
17%
57%
18%
6%
2%
Photo of Anthony G.
Dec 24, 2013
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!
Photo of Calvin H.
Sep 6, 2013
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.
Photo of Albert P.
Aug 23, 2013
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
Photo of Richard D.
Aug 19, 2013
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
Photo of Connor F.
Aug 15, 2013
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
Photo of Jordan W.
Jul 2, 2013
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!
Photo of Shane M.
Mar 6, 2013
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.
Photo of RG L.
Feb 8, 2013
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
Photo of Kyle C.
Jan 25, 2013
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
Photo of Tiffani C.
Nov 15, 2012
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.
Photo of Gabriela N.
Nov 15, 2012
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
Photo of Sarra L.
Aug 15, 2012
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
Photo of Mandi L.
Jul 25, 2012
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!
Photo of Shelby L.
Jul 18, 2012
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
Photo of Tam E.
Jul 3, 2012
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
Photo of Scentsational S.
Jun 21, 2012
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
Photo of Shelly C.
Jun 15, 2012
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
Photo of Kelli W.
Jun 14, 2012
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
Photo of La C.
May 30, 2012
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
Photo of Rolling B.
Sep 14, 2011
I have the platinum plus I must say its one of the nbest cards to strat with.
Photo of Card H.
Sep 14, 2011
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.
+233 users submitted a rating without a full review
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Last updated on: Aug 11th, 2015 at 2:18 EDT

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