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The Bank of America® Travel Rewards Credit Card for Students comes with a welcome bonus of 25,000 points if you make $1,000 in purchases in the first 90 days of opening your account. Since this card doesn’t charge a fee for international transactions, it’s a great option for students studying abroad or traveling internationally. It’s also a good choice for those who want to access their FICO score for free.

Card Details to Know Up Front
- Bonus, Fee or FeatureHas or Not
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
Bank of America® Travel Rewards Credit Card for Students at a Glance
The Bank of America® Travel Rewards Credit Card for Students offers an unlimited 1.5 points on every $1 spent on every purchase. These reward points do not expire and can be redeemed as a statement credit, cash back or a gift card. There are also no airline or brand restrictions on this card.
- Bank of America® Travel Rewards Credit Card for Students
A great card for students who’re looking at earning travel rewards
- None–GoodRecommended Credit
- $0Annual Fee
- 1.5 pointsRewards Rate
Pros & Cons Explained
It’s important to understand the pros and cons of the Bank of America® Travel Rewards credit card for Students card so you can make sure that it fits your needs.
Pros
- BenefitsDescription
- No foreign transaction feeThe Bank of America® Travel Rewards credit card for Students card does not charge a foreign transaction fee, making it a great option for use while traveling internationally.
- Welcome bonusThis card offers you 25,000 points if you spend $1,000 on purchases within three months of opening your account. You can redeem these points for a $250 statement credit.
- Rewards structureThis card offers a simple rewards structure. You earn an unlimited 1.5 points on every $1 spent on all purchases.
Cons
- DrawbacksDescription
- Limited travel benefitsWhile this card has a pretty straightforward rewards structure, it doesn’t offer premium travel benefits like travel accident insurance, auto rental damage liability waiver and other benefits.
- No bonus categoriesSince this card does not offer bonus categories, it limits your rewards earning potential.
The Bank of America® Travel Rewards credit card for Students card is not featured as one of the Best Student Credit Cards of 2022 by MoneyGeek. You can look over other credit cards on the list to see if any of them better fit your needs. We review card offers every month and update this list accordingly.
Bonuses & Rewards Explained
MoneyGeek explains the bonus and rewards structure of the Bank of America® Travel Rewards credit card for Students card so you can understand the benefits and determine if it’s a good option for you.
Unlimited bonus points
The Bank of America® Travel Rewards credit card for Students card offers an unlimited 1.5 points on every $1 spent on any type of purchase. These points do not expire, and there are no blackout dates or any other restrictions.
Welcome bonus
This card lets you earn 25,000 points after you spend $1,000 in purchases within three months of account opening. You can redeem these points for a statement credit worth $250 for travel purchases.
Rewards redemption
The points you earn can be redeemed for a statement credit to reimburse travel purchases, including flights, hotels, vacation packages and much more. There are also no airline or brand restrictions.
Other Features Explained
The Bank of America® Travel Rewards credit card for Students card also offers the following features that help the card stand out from the competition.
- Card FeatureDescription
- Paperless statementsYou can access your credit card statement online. This ensures more security and reduces paper consumption.
- FICO scoreThis card offers you access to your FICO scores for free within your mobile banking app or online banking.
- Overdraft protectionThis optional feature allows you to link your eligible Bank of America checking account with your credit card and prevent declined purchases and other overdrafts.
Consider using the Bank of America® Travel Rewards credit card for Students card to cover any upcoming expensive purchases as it offers an introductory APR of 0% for 18 billing cycles.
Understanding the Fine Print
MoneyGeek analyzed the fine print of the Bank of America® Travel Rewards credit card for Students card so that you can understand the rates and fees associated with it.
- Card FeatureAmount or Rate
- APR17.74% – 27.74% Variable
- Annual Fee$0
- Cash Back Rewards
- Rewards Rate1.5 points
- Airline Benefits
Regular APR
This card offers a 0% introductory APR for 18 billing cycles. After the introductory period is over, it charges a variable APR of 18.24% – 28.24% based on your creditworthiness.
Points reward rate
With this card, you earn an unlimited 1.5 points for every $1 spent on any type of purchase.
Annual fee
This card charges a $0 annual fee.
Balance transfer fee
If you transfer your balance from another card, you have to pay either $10 or 3% of the amount of each transaction, whichever is greater, in balance transfer fees.
Cash advance fee
When taking out a direct deposit or check cash advance, you have to pay either $10 or 3% of the amount of each transaction, whichever is greater, in cash advance fees. While the fee for ATM, over-the-counter, same-day online and cash equivalent cash advances is either $10 or 5% of the amount of each transaction, whichever is greater.
Foreign transaction fee
This card doesn’t charge a foreign transaction fee.
While MoneyGeek gathered information about the Bank of America® Travel Rewards credit card for Students card to help you make a decision, you can also find additional information on your billing statements, mobile app or online banking website, Bank of America’s website and the credit card agreement database maintained by the Consumer Financial Protection Bureau.
Who Should & Shouldn’t Consider Bank of America® Travel Rewards Credit Card for Students?
Other Considerations for Bank of America® Travel Rewards Credit Card for Students
You might use the Bank of America® Travel Rewards credit card for Students differently depending on whether it's your first card or you have multiple cards. Keep the following considerations in mind.
Things to Consider if This Will Be Your First or Only Credit Card
If this is the only card in your wallet, you should keep in mind that, while this card offers an introductory APR of 0% for 18 billing cycles, it charges a high variable APR of 18.24% – 28.24% on purchases after the introductory period is over. That’s why it’s best to pay off your balance in full every month to avoid accruing interest.
Plus, since this card offers 1.5 points per $1 spent on every type of purchase, you can use it everywhere without keeping track of spending categories. This can make it easier to manage your rewards.
Things to Consider if This Will Be an Additional Card in Your Wallet
The Bank of America® Travel Rewards credit card for Students card does not charge a fee on international transactions. That’s why you should use it while traveling internationally, especially since other cards might charge you a 3% fee on every transaction.
You can also use this card to cover upcoming expensive purchases as it offers an introductory APR of 0% for 18 billing cycles.
MoneyGeek follows a six-step process when evaluating credit cards that involves collecting credit card information, standardizing data points, researching potential cardholder profiles, considering annual and introductory bonuses, establishing the card values and reviewing data monthly to reprocess rankings.
How Bank of America® Travel Rewards Credit Card for Students Compares to Other Cards
The Bank of America® Travel Rewards credit card for Students card compares well against other cards of the same category and is an excellent option for college students. It offers a simple rewards structure, a $0 annual fee and a good welcome bonus. Also, it doesn’t charge fees on international transactions, making it a good option for students studying abroad or traveling internationally. However, other cards may also be worth considering.
Quick Comparison of Bank of America® Travel Rewards credit card for Students
Bank of America® Travel Rewards credit card for Students
- Annual Fee: $0
- Purchase APR: 18.24% – 28.24% variable
- Foreign Transaction Fee: $0
- Rewards Rate: 1.5 points on every $1 spent on all purchases.
- Best For: Students studying or traveling abroad looking for a card with a simple rewards structure.
Bank of America® Customized Cash Rewards Card for Students
- Annual Fee: $0
- Purchase APR: 18.24% – 28.24% variable
- Foreign Transaction Fee: 3%
- Rewards Rate: 3% on chosen category, 2% on grocery stores and wholesale clubs, 1% on other purchases.
- Best For: Students looking for a card with cash back rewards and $0 annual fee.
Other Helpful Decision-Making Q&As
MoneyGeek answered some frequently asked questions about the Bank of America® Travel Rewards credit card for Students card to help you understand important details about the card and decide if you should apply for it.
Still not sure about this card? Consider these options.
MoneyGeek completed a significant analysis to help you decide about the Bank of America® Travel Rewards credit card for Students card. However, if you’re still unsure about this card and want to explore other options, you can look over other student credit cards. You could also consider cash back cards, rewards cards or even gas cards.
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sources
- Bank of America. "Bank of America® Travel Rewards Credit Card for Students." Accessed February 28, 2022.
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