The Bank of America® Travel Rewards Credit Card for Students is a high-value student credit card that offers flexible travel rewards and a long list of attractive features. At first glance, this card appears to have it all: sign-up bonus, unlimited flat-rate rewards, 0% intro APR offer, no foreign transaction fees, and no annual fees. However, it's not without its drawbacks. Learn more about this card in our Bank of America® Travel Rewards Credit Card for Students review so you can decide whether it's right for you. Rating image, 4.50 out of 5 stars. Credit Score: Intro APR Info IconCircle with letter I in it. 0% introductory APR for 18 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After the intro APR ends, 16.24% - 26.24% Variable APR will apply. Purchases: 0%, 18 billing cycles Balance Transfers: 0%, 18 billing cycles Regular APR 16.99% - 26.99% variable Rewards 1.5 points per dollar Welcome Offer Info IconCircle with letter I in it. 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening,which can be redeemed for a $250 statement credit toward travel and dining purchases . 25,000 points
This credit card is a good fit for: Students who are getting started building a credit history and want easy-to-use travel points. Top perksUnlimited 1.5 points per $1This flat-rate rewards system is easy and lucrative, offering an unlimited 1.5 points per $1 on purchases, so you don't have to worry about using different cards for different purchases to maximize your rewards. This is one of the best basic cash back rates out there across all rewards credit cards, and the fact that it's a student credit card makes it even more impressive. 25,000 bonus points offerYou can earn 25,000 online bonus points with the Bank of America® Travel Rewards Credit Card for Students if you spend $1,000 in the first 90 days. These points can be redeemed for a $250 statement credit toward travel purchases. This is one of the most valuable sign-up bonuses offered by a student credit card. Intro 0% APR on purchases and balance transfersOn top of the rewards, you can also take advantage of a 0% intro APR on purchases for the first 18 billing cycles, and for any balance transfers made within 60 days of opening the account. While this isn't the longest 0% intro APR offer, it's still pretty generous for a student credit card that also offers rewards. Just make sure to pay off your balance before the intro period ends and the standard APR is applied. Flexible rewardsRather than earning miles and points that can only be redeemed with one brand, the Bank of America® Travel Rewards Credit Card for Students earns generic points that can be used for statement credits to cover a wide range of travel purchases. These include flights, hotels, cruises, vacation packages, baggage fees, and rental cars. Points are worth $0.01 each, so you'd need 10,000 points to "erase" a $100 travel purchase. Read more: Best Rewards Credit Cards No foreign transaction feesIf you're going to travel internationally, having a credit card that doesn't charge foreign transaction fees is a must. Most credit cards charge a 3% foreign transaction fee on purchases made abroad, meaning you'd pay $30 in fees per $1,000 you spend. With the Bank of America® Travel Rewards Credit Card for Students, you don't have to worry about fees eating up your vacation funds. No annual feeThis card doesn't charge an annual fee, so you can give it a spin without worrying about accumulating fees that will cancel out any rewards you earn.
Read more: Best Travel Rewards Credit Cards As of Oct. 04, 2022
What could be improvedTransfer partnersWhile a point value of $0.01 each is pretty standard for rewards credit cards, you can often get more value from a card that allows you to transfer points to rewards partners. Strategic transfers can easily yield a value of $0.02 to $0.03 per point, so adding some transfer partners would up the value of this card. Minimum redemption requirementThis card comes with a minimum redemption requirement of 2,500, meaning you have to wait until you have at least that many points saved up before you can redeem them. Ideally, there would be no set minimum. Credit score requirementThis credit card has more stringent credit requirements than many other student credit cards, so it might be harder to qualify if you're new to credit or rebuilding credit. Travel insuranceThe best travel credit cards don't just offer travel rewards, they also come with a long list of protections like trip cancellation or delay insurance, lost or delayed baggage insurance, and rental car insurance. Find the best credit card for your needsCompare credit card rewards, fees, APRs, and more using our side-by-side comparison tool. Suggested credit score
The Bank of America® Travel Rewards Credit Card for Students likely requires a good credit score of at least 670 for approval. If you have low or no income, Bank of America also allows cosigners. For more options, take a look at our picks for the best credit cards for good credit. The Bank of America Travel Rewards for Students is right for you if:The Bank of America® Travel Rewards Credit Card for Students definitely packs a punch, and for the right person, it comes with just about everything you could ask for in a credit card. This card is best for you if:
Because the rewards points can only be applied to travel purchases like airline tickets, hotels, rental cars, and cruises, this card isn't ideal for folks who don't make those purchases at least once per year. It's also harder to get than other student credit cards, so it's not the best choice if you're just getting started on your credit-building journey. FAQs
Is Bank of America travel Rewards card good for students?The Bank of America Travel Rewards credit card for students is a strong choice for students who want to earn unlimited points toward travel on every purchase. The introductory bonus is fairly solid, with a higher spending requirement than what other student travel cards offer but also a richer reward.
What credit score do you need for Bank of America travel rewards credit card for students?The Bank of America® Travel Rewards Credit Card for Students likely requires a good credit score of at least 670 for approval. If you have low or no income, Bank of America also allows cosigners. For more options, take a look at our picks for the best credit cards for good credit.
What qualifies as travel for Bank of America credit card?Use your Bank of America® Travel Rewards credit card to book travel however you want, and then redeem points for credit on your statement against those travel purchases. You can use points to cover expenses like flights, hotels, vacation packages, cruises, rental cars, baggage fees and more.
Do you have to be a student to get the journey credit card?This card offers simple flat-rate rewards, with a bonus for paying on time. You don't even have to be a student to apply, so consider it if you have average credit.
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