Who it's for
Students who want to customize their rewards to match their spending and value a generous sign-up bonus.
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
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% |
You'll be redirected to bankofamerica.com
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
You'll be redirected to bankofamerica.com
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