BankAmericard Credit Card for Students is a good credit card for those looking to start building credit. This credit card is designed to be a student credit card and doesn’t require credit history for approval, although bad past credit history affects approval possibilities. To be eligible for the BankAmericard Credit Card for Students, you must be over 18 and enrolled as a student.
This student credit card has a long introductory period with a very low variable APR. The standard APR for purchases after the introductory period is a variable APR range. The balance transfer APR is also a variable rate that varies over time and depending on your credit worthiness. In addition, the BankAmericard Credit Card for Students has a high penalty APR. All APRs are determined based on the Prime Rate marketing and personal credit worthiness.
There is no annual fee for the card, although there are balance transfer, cash advance and late payment fees. For every late payment made, there is an additional fee. Finally, there is an international purchase fee, which is a percentage of the total purchase amount. The BankAmericard Credit Card for Students has a 25-day grace period, which helps you pay off the balance of the card to avoid interest.
The card does not have a cash back rewards program, but it comes with the same services as other college student credit cards. There is $0 liability protection, which shields you from fraudulent purchases made using your credit card information. Should fraudulent purchases be made, you aren't responsible for repayment. The card also has auto-rental insurance when you use it to rent a car. In addition, travel and emergency assistance is included.
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Bank of America provides support for its cardholders in the form of email, phone and live chat on its website. All of these services are offered 24/7, which is helpful if you have questions about getting the credit card or a problem arises with billing. Like other credit cards for students, the BankAmericard Credit Card for Students has emergency card replacement, so it is easy to replace your card when traveling. There is also a FAQs section on Bank of America's website.
Disclaimer: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "GO" button, you can review the credit card terms and conditions on the issuer's website. The Annual Percentage Rate or APR is reflective of the date this review was last updated.