THE CARDTUNED DATABASE
Bank of America Customized Cash Rewards Credit Card for Students
Issuer: Bank of America · Network: Visa
6% chosen category for first year, then 3%; 2% grocery/wholesale; 1% other, subject to quarterly cap
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- 0% for 15 billing cycles on purchases and qualifying balance transfers
- Regular APR
- 17.49%–27.49% variable after intro period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$200 online cash bonus after $1,000 in purchases in 90 days, plus first-year 3% category bonus
- Spending requirement
- $1,000 in purchases
- Time window
- 90 days
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 6% | chosen category for first year, then 3% |
| Groceries & Wholesale clubs | 2% | grocery/wholesale |
| Eligible purchases | 1% | other, subject to quarterly cap |
Additional benefits
• $200 online cash bonus after $1,000 in purchases in 90 days, plus first-year 3% category bonus
• Monthly choice-category selection and BofA Rewards relationship bonus eligibility
Restrictions to know
Chosen category plus grocery/wholesale capped at $2,500 combined per quarter
Who can apply
Student-targeted public U.S. application
Credit profile: Limited–Good