Bank of America® Student Cash Rewards Credit Card – Build Credit & Earn Cash Back

Source: Bank of America®

Earn up to 3% cash back and build your credit with the Bank of America® Student Cash Rewards Credit Card. No annual fee and a $200 bonus offer.

Everything You Need to Know About the Bank of America® Student Cash Rewards Credit Card

Building credit as a student doesn’t have to be complicated. The Bank of America® Customized Cash Rewards Credit Card for Students makes it simple to earn rewards, manage your spending, and develop strong financial habits from day one — all with no annual fee.

1️⃣ Earn Cash Back Your Way

This card stands out because you can choose where you earn the most cash back. Students can select one of six categories for 3% cash back, including:

• Gas
• Online Shopping
• Dining
• Travel
• Drug Stores
• Home Improvement & Furnishings

You’ll also earn:

• 2% cash back at grocery stores and wholesale clubs
• 1% cash back on all other purchases

It’s flexibility that fits your lifestyle — whether you’re shopping online for textbooks or grabbing lunch on campus.

Instead of revolving debt, your purchases turn into fixed-term installments with clear payoff dates—making it easier to manage and eliminate balances responsibly.

2️⃣ Bonus for New Cardholders

After you open your account and make at least $1,000 in purchases within 90 days, you’ll receive a $200 online cash rewards bonus — deposited directly into your Bank of America account or redeemed as statement credit.

3️⃣ Designed to Help You Build Credit

This isn’t just a rewards card — it’s a powerful tool for establishing your credit history early. Every month, your payment history and activity are reported to all three major credit bureaus, helping you build a strong financial foundation for the future.

Plus, you can manage everything easily through Bank of America’s mobile app, making it simple to track spending, set alerts, and make payments on time.

4️⃣ No Annual Fee & No Hidden Costs

Students shouldn’t have to pay to build credit. That’s why the Bank of America Student Cash Rewards Card comes with:

• No annual fee
• Zero liability protection against unauthorized charges
• Access to FICO® Score monitoring

You get all the benefits without the extra costs — a perfect fit for students managing a budget.

5️⃣ Why It’s One of the Best Student Credit Cards in the U.S.

Between the flexible rewards, zero annual fee, and credit-building support, this card consistently ranks among the top student credit cards. It’s ideal for college students who:

Prefer a card backed by a trusted bank

Are new to credit

Want to earn rewards on everyday purchases

Final Thoughts

The Bank of America® Student Cash Rewards Credit Card gives you freedom, rewards, and the chance to build a strong credit foundation early. Whether you’re buying books, groceries, or traveling home for the holidays — you’ll earn cash back every step of the way.

💳 Apply online today and start building your credit with confidence.

How to Apply

Source: Bank of America®

1. Visit the official Bank of America® Card website.
2. Complete the quick online application to check eligibility.
3. Review your offer and select the credit line that fits your needs.
4. Submit your application and receive an instant decision.
5. Once approved, activate your card and start earning cash back while building credit responsibly.