USES

Columbia University from Bank of America Review

Columbia University from Bank of America ā€” all information about the credit card.

Updated November 01, 2023
Advertiser Disclosure Our Methodology
Bank of America Columbia University
Learn more
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back in the category of your choice, like online shopping. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
    • 2% Cash Back at grocery stores and wholesale clubs. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Regular APR:
    18.24% - 28.24% Variable
  • Balance Transfer APR:
    18.24% - 28.24% Variable
Show more

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Bank of America Columbia University Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Rotating categories
$
2%
Groceries
$
2%
Wholesale clubs
$
1%
All other purchases
$
Have you already recieved the Bank of America intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 3% In the category of your choice, like online shopping. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
    • 2% At grocery stores and wholesale clubs. Up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
    • 1% On all other purchases.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account
  • Purchase APR
    • 18.24% - 28.24% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 15 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account
  • Balance Transfers APR
    • 18.24% - 28.24% Variable
  • APR for Cash Advances
    • 21.24% - 29.24% Variable (for Direct Deposit and Check Cash Advances)
      29.24% Variable (for Bank Cash Advances)
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 3% of the amount of each transaction, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 3% of the amount of each transaction, whichever is greater
  • Penalty Fees
    • Up to 29.99%
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
Cons:
  • Foreign Transaction Fee

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • No Annual Fee
  • Cashback
  • Payment Flexibility
  • Rewards
  • Student
  • Good Credit
  • Excellent Credit

About the issuer

Bank of America
Bank of America has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Annual Fee
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See Another Credit Cards in the Bank

Bank of America Columbia University is an option for those, who need Classic features. With an APR of 18.24% - 28.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Bank of America Columbia University you will get such features as 0% Intro APR, No Annual Fee, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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