BofA Customized Cash Rewards for Students

Choose your own 3% cash back category, earn 2% at grocery stores, and 1% on everything else — with no annual fee and a $200 sign-up bonus.

Last checked on September 1, 2026. We may earn a commission when you click through.

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✓ Choose your own 3% cash back category ✓ 2% cash back at grocery stores and wholesale clubs ✓ $200 sign-up bonus — one of the highest for student cards
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BofA Customized Cash Rewards for Students

Visa · cashback

Our Verdict Recommended

The best student card for flexibility. You pick your 3% category to match your spending habits, and the $200 sign-up bonus is one of the highest among student cards. The 2% grocery rate adds everyday value.

What it really costs

Annual fee No annual fee
APR Range 16.99% – 26.99%
Rewards3% cash back in chosen category, 2% at grocery stores, 1% on everything else 3%

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Who it's for

Students who want to customize their rewards to match their spending and value a generous sign-up bonus.

The good and the not so good

  • Choose your own 3% cash back category
  • 2% cash back at grocery stores and wholesale clubs
  • $200 sign-up bonus — one of the highest for student cards
  • No annual fee
  • Lower starting APR than many competitors at 16.99%
  • 3% and 2% rates are capped at combined $2,500 in quarterly purchases
  • Requires good credit or existing Bank of America relationship for best approval odds

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