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Bank of America credit card

Bank of America® Travel Rewards Credit Card for Students

  • Bonus up · 20,00025,000 · Oct 4, 2026
  • APR up · 16.24%17.74% · Oct 4, 2026

No annual fee. 25,000 points after you spend $1,000 in 3 months. Purchase APR 17.74–27.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Bank of America’s terms

Welcome offer

25,000 points

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Oct 4, 2026
history will chart every change

25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening; redeemable for a $250 statement credit toward travel and dining purchases. The embedded offer text on the same page references 20,000 bonus points instead of 25,000.

  • The highest we’ve seen on this card: above every earlier offer (most recently 20,000 points until 2026-10-04).
  • Larger than about 50% of the 44 other points bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$430$180
Typical spender$700$450
Heavy spender$1,240$990
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$180a year

$430 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$450a year

$700 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$990a year

$1,240 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 80% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

BofA Rewards™

How you earn

1.5×
Everything else

Points per dollar.

Changes

APR
16.24%17.74% since Oct 4Oct 4Today
Welcome bonus
20,000 points25,000 points since Oct 4Sep 29Today
  • Oct 4, 2026 Bonus 20,00025,000
  • Oct 4, 2026 APR 16.24%17.74%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APRFirst 15 Statement Closing Dates following the opening of your account
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · bankofamerica.com, since Oct 8, 2026
Does it charge a foreign transaction fee?
No. · bankofamerica.com, since Oct 8, 2026
What is the purchase APR?
17.74–27.74% APR · bankofamerica.com, since Oct 4, 2026
Is there an intro APR?
0% for First 15 Statement Closing Dates following the opening of your account. · bankofamerica.com, since Oct 4, 2026
Is there a welcome bonus?
25,000 points after $1,000 in purchases in 3 months. · bankofamerica.com, since Nov 1, 2026
See it on bankofamerica.com

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