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Bank of America® Travel Rewards credit card
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On Bank of America's secure site
Rewards Rate
1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
Welcome Offer
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Redemption Options
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Card Network
Annual Fee
$0
Credit Score Needed
Excellent, Good
Offer Details
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.

  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. 

  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.

  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.

  • 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply.

  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase. That means you could earn up to 2.62 points for every $1 spent. 

  • Contactless Cards - The security of a chip card, with the convenience of a tap.

  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Rated Best for:
All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Bank of America® Travel Rewards credit card review

April 1, 2022

Who is the Bank of America® Travel Rewards credit card for?

The Bank of America Travel Rewards credit card provides the owner with points on every purchase at no annual fee. With this card you will receive 1.5 points for every $1 spent, allowing you to save up and eventually redeem your points for rewards. This card also has a very generous initial bonus, offering 25,000 points if you spend $1,000 within the first 90 days of opening your account. 

In addition to the points rewards, this card also provides a multitude of other benefits such as $0 foreign transaction fees, a $0 liability guarantee and, a 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply.

We recommend this offer to the fee-averse credit card shopper searching for a travel credit card with a simple rewards structure. This card is free to use and offers 1.5 points per dollar spent, making it a viable option for those who want to reward points without having to worry about different spend categories.

Initial Bonus

Bank of America offers a reward bonus for new cardholders, spending $1,000 on purchases within 90 days of account opening will earn you 25,000 points. $1,000 in about 3 months is very feasible, so we recommend making a large purchase immediately in order to fulfill this requirement. 25,000 points can be worth $250 in statement credit for travel purchases, Bank of America is practically giving you an extra $250 to spend on your vacation for free since there is no annual fee.

Points Structure

The Bank of America Travel Rewards credit card offers a flat rate of 1.5 points per dollar spent on all purchases. This works well for people who do not want their lives to be complicated by trying to research where to spend money and on what purchases in order to maximize benefits.

One thing to note is that there are no blackout dates or restrictions on what you can earn points on. Thus, every dollar, no matter the day, no matter the location, will earn you 1.5 points.

Also, points do not expire, which can be very beneficial. You will not have to feel rushed to spend your points before a certain expiration date. Instead, you can take your time, plan out your points spending, and save up toward a larger points reward.

Points can be redeemed in a variety of travel-related ways. First, use your points as a statement credit to book your next flight. Do not worry about spending money on your flights, when you can use the points that you have earned to pay off travel fees.

You can also redeem your points as statement credits to pay for hotels, vacation packages, cruises, rental cars, or baggage fees. Spend your points how you want, and know that using this card will give you a variety of outlets for these points.

Other Benefits

Savvy cardholders will take advantage of Bank of America’s Preferred Rewards Membership, which supercharges your rewards earning potential dramatically. If you already bank with Bank of America, you can earn an additional 25-75% reward points which make this offer very competitive. 

The Bank of America Travel Rewards credit card also offers a competitive 0% APR for your first 15 billing cycles on purchases. After that, a Variable APR between 14.24% to 24.24% on purchases will apply. Thus, you do not have to worry about pesky interest charges on purchases you make during the first year of card ownership. Spend freely without interest fees. We recommend you take advantage of this perk by making large purchases for the future during this period to avoid having to pay interest.

If you use this card, Bank of America will provide you with a variety of protection benefits. First, they will block potential fraudulent charges if they sense your card is being used in a location it is not normally being used in, or on something you do not normally purchase. For example, if you live in Texas and your card is used to purchase something in New York, Bank of America will reach out to you to ensure that this is your purchase.

Also, this card offers a $0 liability guarantee. In the scenario in which a fraudulent transaction is made, you will not be held liable for it. This means that you will not be charged any money for purchases that you did not make with your credit card.

Technology

Bank of America also offers chip technology with this card. These chips will bring enhanced security and technology to your credit card, leading to safer and easier purchases.

This card also gives you a paperless statement option. You can choose to receive your credit card statement electronically, enhancing your security, while also reducing paper consumption, thus having a positive effect on the environment.

The Bank of America Travel Rewards credit card also comes with Digital Wallet technology. If you add your Bank of America credit card to your cell phone, you will be able to shop in-store and online easily using Apple Pay, Google Pay, or Samsung Pay.

You will also receive access to Bank of America’s award-winning online and mobile banking. You will be able to pay your credit card bill, transfer funds, and check available credit, among other services at the click of a button from wherever you may be. You will also receive account alerts that will allow you to stay on top of your account and all of its transactions. These notifications will give you alerts such as when your payment is due.

Finally, through the mobile banking app or online, you will have access to your FICO® credit score. You will be able to see how your score changes monthly for free.

No Annual Fee

The last added perk of this card is that there is no annual fee. Receiving benefits for free is always valuable, and you will never have to worry about paying an annual fee to receive these rewards. Instead, you can just sign up for this credit card and enjoy the travel rewards.

Conclusion

Overall, the Bank of America Travel Rewards credit card is a solid option for people who want travel rewards without having to pay an annual fee. The card offers 1.5 points per dollar spent, a generous welcome bonus, and a decent intro APR period on purchases. This simplistic rewards structure may not have the greatest rewards benefits, but for no annual fee, this card is a feasible option for all credit card shoppers.

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All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Approval Odds
BestCreditCard calculates your approval odds by comparing your credit profile to other BestCreditCard members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Credit card issuers use a variety of different types of credit scores and criteria to make credit decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.