Bank of America Student MasterCard

Picture of BankAmericard Student MasterCard
15 Reviews
Consumer Rating:
3.9
Lowest:
550
Average Score:
628
Highest:
720
All
5 Star
20%
4 Star
53%
3 Star
26%
2 Star
0%
1 Star
0%
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Credit Score: 600 Credit Limit: 500 Age: 18-24
Posted 06/10 2017
Overall Rating:
This is the second card I got, the first one was a capital one. I had a banking account with BOA and just decided to get it. I prefer the website and app slightly to capital one (though they are both good). I also like the fact that I could check and monitor my fico score.

I have had a late payment once and was not charged any late fee. I lost my card once and it was replaced with no problems. Customer service has been great to me.
 
Credit Score: 670 Credit Limit: 1000 Age: 18-24
Income On Application: $15000
Posted 05/29 2017
Overall Rating:
This is my third card that I got. I also have the Discover it and Wells Fargo. I actually prefer the Discover because of the rewards. But in terms of customer service, I would say that BOA is as good as Discover. And like Discover, you can also monitor your fico scores. They are slightly different so I think different bureaus provide the scores for each. After six months, I got a $500 increase.
 
Credit Score: 720 Credit Limit: 1500 Age: 18-24
Posted 05/16 2017
Overall Rating:
I got this card during my senior year. Before this, I was carrying a Capital One since my freshman year. I only got a $500 limit with cap one but $1500 with BOA. I think that was because of my income (working part-time since my junior year). The card is been good so far. It is easy to pay from their website and the app is also good. I can also finally monitor my fico score.
 
Credit Score: 590 Credit Limit: 500 Age: 18-24
Posted 04/15 2017
Overall Rating:
I like the fact that I can monitor my fico score. The only complaint I have is that there are no rewards. I just got the Discover it and I have earned some rewards already just by using the card. I think I will be using the BOA less going forward.
 
Credit Score: 640 Credit Limit: 1000 Age: 18-24
Posted 03/03 2017
Overall Rating:
I already have a Bank of America checking and savings account when I got this card. So I was pretty familiar with the website and app. I use the card mainly for some grocery shopping and eating out. Payment is very easy through the website or app.
 
Credit Score: 575 Credit Limit: 500 Age: 18-24
Posted 01/11 2017
Overall Rating:
Got this card during my freshman year. The card is ok. The only problem was that there was no rewards. After six months of using the card and paying on time, I got a $500 credit line increase. After nine months with the card, I got a capital one card with cash back and have been using that ever since because of the rewards.
 
Credit Score: 600 Credit Limit: 500 Age: 18-24
Posted 10/10 2016
Overall Rating:
This was the first card I got when I was a freshman. I like that you get to see your FICO score and you get alerts when it is ready for viewing. The website is easy to navigate and I like the app too. The reason I chose this account was because my parents had set up a bank account with BOA when I was a kid.
 
Credit Score: 650 Credit Limit: 1000 Age: 18-24
Income On Application: $8000
Posted 08/16 2016
Overall Rating:
I got this card during my sophomore year and got a $1000 credit limit. I was working part-time so that was probably I got that limit. I never had any problems with the card. The app is good and I also like getting the free fico score. In fact, once my score increased, I applied for a capital one card so now I have 2 cards!
 
Credit Score: 550 Credit Limit: 500 Age: 18-24
Posted 07/12 2016
Overall Rating:
I had this card since I was a freshman and it has definitely helped me build my credit. I got this card after opening my BOA checking account. The website is intuitive and I use the app all the time. I even set up autopay with my checking account and I can also check my credit score through their site. I believe that it is the Transunion FICO.

I once had a couple of fraudulent charges on my itunes app store. I called BOA and they took care of it. Sent me a new card which arrived in a couple of days. Customer service is excellent.
 
Credit Score: 650 Credit Limit: 1500 Age: 18-24
Posted 05/24 2016
Overall Rating:
I got this card with my dad as a co-signer and got a $1500 credit line. I recently got an increase to $2000. I actually charge very little to the card (around $50). But I pay it off in full every month and my score has slowly increased. I like that I can check my fico score with BOA. The website is very easy to use and lays out every information that you need. I would recommend this card to any college student.
 
Credit Score: 660 Credit Limit: 1500 Age: 18-24
Income On Application: $20000
Posted 03/13 2016
Overall Rating:
I got this card in my senior year. I was working part-time and had some income to report which is why I think I got a slightly higher limit than usual. Prior to this, I have a Discover and Capital One. I decided to get this card because I have a BOA checking and savings account. Like Discover, you can check your FICO score. BOA is using TU while DIscover uses Experian so it is good for me to know both.
 
Credit Score: 645 Credit Limit: 500 Age: 18-24
Posted 02/07 2016
Overall Rating:
Here is my assessment of this card.

Pros
1. very good customer service - lost my card once and they got it replaced quickly.
2. easy to use website and app
3. free fico score from transunion

Cons
1. no rewards - which I found out to be quite a big deal ever since I got my Discover card.
 
Credit Score: 550 Credit Limit: 500 Age: 18-24
Posted 12/05 2015
Overall Rating:
This is my first credit card and I had no credit history when I applied for it though I do have a BOA account. After six months of using the card and paying on time, they doubled my credit limit fro $500 to $1000.

I like the website and app as they are very easy to use. Do not forget to enroll in the free fico score. I found that to be really helpful.
 
Credit Score: 680 Credit Limit: 1000 Age: 18-24
Posted 09/28 2015
Overall Rating:
I have to really commend BOA on their customer service. I was late on my payment once (for just a day). Called them and they did not charge any late fees.

I also lost my card twice and they simple replaced the card.

I also once had a fraudulent charge to my xbox account. They canceled those charges and issued me a new card.

Customer service is simply the best.
 
Credit Score: 635 Credit Limit: 500 Age: 18-24
Posted 08/09 2015
Overall Rating:
I tried applying for Discover and Citi but was denied. Since I had a BOA checking account, I decided to apply for this card and was approved. You can enroll to get a free fico score. My credit score was going up every couple of months and after nine months, I decided to get a second card and got approved for the capital one journey. So this card has definitely helped me build a credit history. The customer service is great and so is the web site and their app.