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Bank of America Customized Cash Student Credit Card Review
July 1, 2025
What Is the Bank of America Customized Cash Student Credit Card?
The Bank of America® Customized Cash Rewards Credit Card is a versatile financial tool designed specifically for college students looking to build credit while earning rewards on everyday purchases. As a student-focused credit card, it combines the benefits of cash back rewards with educational resources to help develop good credit habits and establish a successful financial future.
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Bank of America Customized Cash Student Pros & Cons
Pros:
- Earn 3% cash back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement)
- 2% cash back at grocery stores and wholesale clubs
- 1% cash back on all other purchases
- No annual fee
- Free FICO score access
- Integration with Bank of America's Preferred Rewards program
- $200 online cash rewards bonus after spending $1,000 within 90 days
Cons:
- Quarterly spending cap of $2,500 on 3% and 2% categories
- Requires good credit for approval
- Higher APR compared to non-student cards
- Foreign transaction fees apply
Who Is the Bank of America Customized Cash Student Credit Card For?
This credit card is ideal for college students who want to build credit while earning rewards on their everyday purchases. It's particularly valuable for students who:
- Are new to credit and want to establish good credit habits
- Spend regularly on gas purchases or other qualifying 3% categories
- Shop frequently at grocery stores
- Want flexibility in choosing their highest reward category
- Already bank with Bank of America and can benefit from the Preferred Rewards program
Comparing the Bank of America Customized Cash Student Card with Other Credit Cards
When considering the Bank of America Customized Cash Student Card, it's helpful to compare it with other popular options in the credit builder card category:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Credit Builder account
- Key features: No credit check to apply, reports to all three major credit bureaus
- Standout feature: No minimum security deposit required
Capital One Quicksilver Secured Cash Rewards Credit Card:
- Annual fee: $0
- Security deposit: A refundable $200 security deposit to get at least a $200 initial credit line
- Key features: 1.5% cash back on all purchases, automatic credit line reviews
- Standout feature: Earn rewards while building credit
Current Build Visa® Credit Card:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Build account
- Key features: No credit check required, reports to all three major credit bureaus
- Standout feature: Linked to Current banking app for easy fund transfers
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Bank of America Customized Cash Student Card excels in helping college students build credit while earning rewards on everyday purchases
- Chime Card™ offers flexibility with no minimum deposit
- Capital One Quicksilver Secured provides cash back rewards
- Current Build integrates with banking app for convenient use
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Consider Using Kudos to Maximize Your Rewards
While the Bank of America Customized Cash Student card offers excellent rewards, you can enhance your earnings by using Kudos, a free AI-powered smart wallet.
Kudos helps you:
- Automatically identify the best credit card to use for each purchase
- Track your rewards across multiple cards
- Access exclusive "Flash Boost" events that multiply your rewards up to 5X
- Make informed decisions about your credit card usage
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. They're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Bank of America Customized Cash Student credit card is a strong contender in the student credit card market. Its flexible rewards structure, educational tools, and integration with Bank of America's services make it an excellent choice for students looking to build credit while earning rewards. The card's customizable 3% category sets it apart from competitors, allowing students to adapt their rewards to their spending patterns.
Bank of America Customized Cash Student FAQ
What credit score do I need for the Bank of America Customized Cash Student card?
While Bank of America doesn't specify a minimum credit score, students typically need a fair to good credit score (630+) for approval.
How can I check my application status?
You can check your application status online through Bank of America's website or by calling their credit card specialist.
Does this card help build credit?
Yes, Bank of America reports to all three major credit bureaus, helping you build credit with responsible card use.
Can I get a lower interest rate after demonstrating good credit habits?
Bank of America may offer a lower interest rate after reviewing your account history and financial health.
What happens to my card after I graduate?
Your account typically transitions to a regular Customized Cash card, maintaining your credit history and rewards structure.
Can international students apply for this card?
Yes, international students can apply with proper documentation and proof of enrollment at a U.S. educational institution.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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