I’m a college student and looking for a card that would give me cash back in a specific category I would choose. I saw that Bofa Cash Rewards card allows that, but I’m not sure I will qualify with my limited credit
Answered on Monday, June 3rd, 2019 by Amy Miller
Updated: June 3rd, 2019
Amy Miller
The content is accurate at the time of publication and is subject to change.

The Bank of America indeed allows to choose a category with a higher cash back reward, but cash back is only 3% on the first $2,500 in choice category each quarter. The Discover it® Student Cash Back credit card could give you more – up to 5% cash back on $1,500 in changing categories (each time you activate). The categories change every quarter and if you reach the quarterly limit, you will continue earning 1% cash back. All other purchases will always earn 1% cash back without limits or enrollment.

Both cards, Cash Rewards and Discover it® Student Cash Back, are for students. So you need to be a student to apply. Applicants with no or limited credit are accepted. You will need to provide the proof of income, SSN, and other personal information. If you do not have recent bad items on your reposts, your chances to qualify would be rather high.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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No, you won’t need a co-signer to apply for a student credit card or Amex Everyday. In fact, there are not many issuers that would allow co-signers. That is actually great as cosigning is a complicated thing. Having your own credit card from the beginning is a great way to learn finances, responsibility, and to […]

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The Amex EveryDay card is for applicants with good or excellent credit history. If your credit is lower, we would recommend considering a different credit card. Since you are a student, you can apply for a student credit cards. These cards are rather easy to qualify for but there still are some approval requirements. The […]

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