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Bank of America® Unlimited Cash Rewards for Students vs Mission Lane Visa®: Which Earns More?

Melvyn Kim
Founder & Editor · Published July 29, 2026
B.A. Economics

The verdict

On typical spending the Bank of America® Unlimited Cash Rewards for Students nets $432 a year after fees, $59 more than the Mission Lane Visa® at $373. The Bank of America® Unlimited Cash Rewards for Students stays ahead at every spending level we model.

Who earns more, by the numbers

Spending levelBank of America® Unlimited Cash Rewards for StudentsMission Lane Visa®Winner
Light spender ($1,200/mo)$216/yr$157/yrBank of America® Unlimited Cash Rewards for Students
Typical spender ($2,400/mo)$432/yr$373/yrBank of America® Unlimited Cash Rewards for Students
Heavy spender ($4,500/mo)$810/yr$751/yrBank of America® Unlimited Cash Rewards for Students

Net of annual fees, typical category mix at baseline point values. The same card wins at every spending level here.

Bank of America® Unlimited Cash Rewards for Students

Bank Of America

3.4/5
Annual Fee:$0
APR:19.24%-29.24% variable
Welcome Bonus: $200 online cash rewards bonus after $1,000 in purchases in 90 days
Rewards: Unlimited 1.5% cash back on all purchases
EARNS MORE ON TYPICAL SPEND

Mission Lane Visa®

Mission Lane

2.4/5
Annual Fee:$0-$59 (varies based on creditworthiness)
APR:26.99%-35.99% variable
Welcome Bonus: No welcome bonus
Rewards: 1%-1.5% cash back on all purchases (rate varies by account)

The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.

FAQ

Which is better, the Bank of America® Unlimited Cash Rewards for Students or the Mission Lane Visa®?
On typical spending the Bank of America® Unlimited Cash Rewards for Students nets $432 a year after fees, $59 more than the Mission Lane Visa® at $373. The Bank of America® Unlimited Cash Rewards for Students stays ahead at every spending level we model.
What is the annual fee difference between the Bank of America® Unlimited Cash Rewards for Students and the Mission Lane Visa®?
The Bank of America® Unlimited Cash Rewards for Students charges no annual fee, versus $59 for the Mission Lane Visa® — a $59 difference every year.