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Bank of America® Travel Rewards Credit Card

Apply for a Bank of America Rewards Card

Bank of America® Travel Rewards Credit Card

Apply for a Bank of America Rewards Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 1,022 Offer Ratings
Over the Past 60 Days!

(1,022 ) Over the Past 60 Days!

  • Regular Purchase APR 16.49% - 24.49% Variable APR
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand Visa®

Highlights

Card Fees

Expert Review of the Bank of America® Travel Rewards Credit Card

  • 4.5

    Regular APR

  • 4.5

    Intro APR

  • 4.5

    Fees

  • 5.0

    Benefits

  • star rating 5.0 /5

    Overall Rating

Who the card is best for

The Bank of America® Travel Rewards Credit Card gives Bank of America Preferred Rewards customers the opportunity to earn as high as an effective 2.625 points per dollar spent. Overall, that’s a great rate in our book. Keep in mind, to earn this high effective rate you need to have Platinum Honors status for Preferred Rewards. Platinum Honors status is $100,000 in a Bank of America® banking and/or Merrill Edge® and Merrill Lynch® investing and trading accounts.

When traveling abroad, this is a good card to keep in your wallet since the foreign exchange fee is none. This saves you money since many cards charge a fee ranging from 1 to 3 percent of each transaction.

This card has a decent rewards rate for non-banking cardholders, especially since there is a $0 annual fee. Though, if you want the highest rewards rate, be sure to check out other travel cards or cash back cards that offer higher rates in select purchases or overall.

Where this card stands out in its category

While it may not have the highest rewards rate on the market, the Bank of America® Travel Rewards Credit Card is a card to consider for current Bank of America Preferred Rewards customers. You can earn up to a 75% rewards bonus that makes this card worthwhile.

There is also a good intro period, considering this is a travel rewards card. You can benefit from 0% Introductory APR on purchases for 12 billing cycles, after that 16.49% - 24.49% Variable APR. This allows you to pay off debt during a year without accruing interest.

Where this card falls short in its category

When compared to other travel rewards cards, the rewards rate for the Bank of America® Travel Rewards Credit Card is low. However, it’s noteworthy to point out that the rewards rate for this card is an overall good rate when taking other factors into consideration such as the $0 annual fee and flat-rate rewards on all spending. Other travel cards may incur an annual fee and/or only reward you a high rate in select travel categories.

Additional card benefits

The Bank of America® Travel Rewards Credit Card doesn’t offer many noteable perks outside access to your FICO® Score for free, updated monthly. Checking your score is a great way to stay on top of your credit.

How to use it most effectively

To gain the most value from the Bank of America® Travel Rewards Credit Card, be sure to use it on all spending as you will earn a consistent rate on every purchases made. By using it on all spending, you can accumulate rewards at a faster rate compared to only using it on select purchases.

While many cards have foreign transaction fees, this card has none. Therefore, it’s a good card to use outside the U.S.

To increase your rewards meet the required spending for the online bonus points offer: 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening.

Rewards breakdown

This card earns earn 1.5 points per $1 spent on purchases. That means whether you spend at a gas station, supermarket, department store or somewhere else, you will earn the same amount of points.

You receive a 10% customer points bonus on every purchase when you have a Bank of America® checking or savings account. Those who are Bank of America Preferred Rewards customers can benefit from a larger bonus increase of 25% to 75%.

Points can be redeemed in three ways: travel credit, cash reward, or gift card. Redeeming for a travel credit or cash reward starts at 2,500 points while gift card redemptions start at 3,125 points. If you choose a statement credit, it will be for travel expenses including purchases from qualifying merchants such as airlines, hotels, taxis, car rental agencies, tour operators and more.

There is a 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening. Note that you must complete your application online to qualify for this offer.

Compare it with the Citi® Double Cash Card – 18 month BT offer

The Bank of America® Travel Rewards Credit Card and the Citi® Double Cash Card – 18 month BT offer may seem like different cards (after all, one earns points and the other cash back), but they are nonetheless comparable. The Citi® Double Cash Card – 18 month BT offer offers a high Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. This is a better rate than the Bank of America® Travel Rewards Credit Card, unless you’re a Preferred Rewards customer in the Platinum or Platinum Honors tiers.

Both cards’ rewards can be redeemed for a statement credit, cash back or gift cards. But a key difference is you have more flexibility with the Citi® Double Cash Card – 18 month BT offer since the statement credit can be applied to all purchases; in contrast to the Bank of America® Travel Rewards Credit Card, which restricts your statement credit to eligible travel purchases.

However, the Citi® Double Cash Card – 18 month BT offer charges a 3% foreign transaction fee while the Bank of America® Travel Rewards Credit Card has none. This makes the Bank of America® Travel Rewards Credit Card a better card for those who travel outside the U.S. and the Citi® Double Cash Card – 18 month BT offer best for travelers who remain in the U.S.

Here’s a breakdown of the key features of each card:

  Bank of America® Travel Rewards Credit Card Citi® Double Cash Card – 18 month BT offer
Annual Fee $0 $0*
Purchase Intro Rate 0% Introductory APR on purchases for 12 billing cycles N/A
Balance Transfer Intro Rate N/A N/A
Balance Transfer Fee 3% of the amount of each transaction or $10, whichever is greater. 3% of each balance transfer; $5 minimum.
Ongoing APR 16.49% - 24.49% Variable APR 15.24% - 25.24%* (Variable)
Rewards Earn 1.5 points per $1 spent on purchases Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Sign Up Bonus 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening No bonus
Foreign Transaction Fee None 3%

Bottom Line

The Bank of America® Travel Rewards Credit Card is a great choice for Platinum or Platinum Honors Bank of America Preferred Rewards customers, since they will see the highest rewards rate. It’s also beneficial for people who travel abroad and want to avoid a foreign transaction fee.

Ongoing Information

Additional Card Details

Consumer Reviews

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Offer Rating

4.3/5.0

1,022 Total Ratings

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Your Rating

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+1005 users submitted a rating without a full review

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3 Found this review helpful

By: | Mar 14, 2018

Great card and good customer service

38 Found this review helpful

By: | Nov 10, 2017

I think it's great and convenient. i love this card!

33 Found this review helpful

By: | Nov 2, 2017

Excellent for travelers and for everyday purchases

97 Found this review helpful

By: | Sep 26, 2017

In My opinion this Bank of America Travel Rewards Credit card has a lot of good features fro travelers 1) No Annual Fee 2) No Foreign Transaction fee; which is great to have it if you travel overseas or process transactions with merchants outside the USA, (Other Banks will charge you up to 3%, or you will have to pay an annual fee waive it i.e Chase Sapphire) 3) 1.5 points per dollar expended 4) Chip Technology or EMV Card at no charge (Other Banks will charge an annual fee too) which I think is a good feature for international travelers). 5) Visa Signature Benefits if you credit history Qualifies. 6) Bank of America Deals 7) 10% annual bonus on points earned if you have a qualified B of A Checking account. 8)Possibility to get up to 3 points per dollar when you buy your airline tickets thru B of A travel Center 9) World Wide acceptance. ) Besides to redeem your points to pay for travel related expenses I think you can even get cash back, but check with B of A for more details. Do you need more benefits? Bottom Line, Bank of America has been pretty aggressive offering this competitive Credit Card among other reward/travel credit cards offered in the market

137 Found this review helpful

By: | Mar 4, 2017

Very good and Excellent card for travelers!

129 Found this review helpful

By: | Mar 1, 2017

Excellent card for travelers!

191 Found this review helpful

By: | Jan 25, 2017

Great for casual travelers (Once or twice a year flyers). No annual fee and no foreign exchange fees. If you spend $2,000+ per month on your credit card and take advantage of BOA's special restaurant deals for 10% cash back, you can get $600 per year towards travel. If you really want to maximize it, you can get up to $700 back to discount long flights or totally pay for short flights and hotels (SF to Las Vegas for example).

194 Found this review helpful

By: | Dec 8, 2016

Why do most reviews about this credit card leave out the BOA travel portal? In that travel portal, you can get 3% travel rewards back minimum for Airlines/Hotels/Rental cars. If you are a preferred card member it gets boosted up to a max of 4.125% travel rewards back for Airlines/Hotels/Rental cars. If your fly once a month for work and your employer reimbursements your travel expenses, you can use this portal to get huge amounts back for travel.

183 Found this review helpful

By: | Oct 26, 2016

I really love my travel rewards visa and use it for everything. I do all my store shopping, grocery, etc. with this card and love the fact that I can use it abroad without extra charges piling up. Anyone who travels should get one of these. I am saving my points for an airline ticket to U.K. in 2018 and want to get a nice, first class ride to see my granddaughter graduate from the university there. This helps me remember to take my card with me everywhere. Love it!

176 Found this review helpful

By: | Oct 14, 2016

I just recently received my BankAmericard Travel Rewards Credit Card, so I don't really have a lot to say just yet but what I've experienced so far has been great! So, why did I go with BankAmericard Travel Rewards? #1: There is no annual fee. Why pay an annual fee for a card when there's cards out there that offer their services without the annual fee?! #2: World wide acceptance. This is really important for me, as I am a traveler. While I have yet to venture out of the US, it's a comfort to know that my card will be accepted if/when that happens (and I hope it does soon!) #3: You can redeem your points from using your card for travel expenses on things like hotels, cruises, and flights (this was the number one reason I signed up for this card, so I'm not sure why I labeled it number 3) Like I said, I frequently travel and travel expenses add up VERY quickly--hotel stay, parking, flight (if you fly), rental car (if you drive), gas, food, etc. Any discount is great in my book, especially for the most expensive aspects of traveling (which is typically hotel room and rental car for me!)

126 Found this review helpful

By: | Oct 9, 2016

Ease of application is appreciable.

131 Found this review helpful

By: | Sep 3, 2016

Great cashback card to earn more

191 Found this review helpful

By: | Jul 6, 2016

I have been very happy with my Bank of America card. I have been a customer with them for over 6 years and have never once had a bad experience. I had very poor credit when I first started banking with them and had to start out with a partially secured credit card. But thanks to their tips and help from my local branch, my credit score has raised dramatically over the last couple of years. I would definitely recommend this card to anyone looking for a new card or for a way to build your credit. I am now able to purchase a new car, a new home, and several other things that I would not have been eligible for a few years ago. I can look at my credit report and feel confident. Plus, if I were ever to have an emergency with my car, my house, my kids, or anything else, it isn't necessary to have money saved for that. I can use my Bank of America travel rewards card and pay it back when I can. Plus I get rewarded for using it. I know that there have been negative things in the media about Bank of America, but coming from a customer of theirs, I have always been satisfied. On the rare occasion when something doesn't seem right in my account or on my statement, the customer service representatives have handled my calls with friendliness and resolved any issues immediately. I don't see myself switching banks or credit cards anytime in the foreseeable future. I get all my account information electronically and it is very easy to monitor my account either online or through their app. I can even pay my credit card bill through the app and not have to worry about sending in a payment or wondering if it will reach them in time. Hats off to Bank of America!

233 Found this review helpful

By: | Mar 20, 2015

In My opinion this Bank of America Travel Rewards Credit card has a lot of good features fro travelers 1) No Annual Fee 2) No Foreign Transaction fee; which is great to have it if you travel overseas or process transactions with merchants outside the USA, (Other Banks will charge you up to 3%, or you will have to pay an annual fee waive it i.e Chase Sapphire) 3) 1.5 points per dollar expended 4) Chip Technology or EMV Card at no charge (Other Banks will charge an annual fee too) which I think is a good feature for international travelers). 5) Visa Signature Benefits if you credit history Qualifies. 6) Bank of America Deals

255 Found this review helpful

By: | Sep 22, 2014

In My opinion this Bank of America Travel Rewards Credit card has a lot of good features fro travelers 1) No Annual Fee 2) No Foreign Transaction fee; which is great to have it if you travel overseas or process transactions with merchants outside the USA, (Other Banks will charge you up to 3%, or you will have to pay an annual fee waive it i.e Chase Sapphire) 3) 1.5 points per dollar expended 4) Chip Technology or EMV Card at no charge (Other Banks will charge an annual fee too) which I think is a good feature for international travelers). 5) Visa Signature Benefits if you credit history Qualifies. 6) Bank of America Deals 7) 10% annual bonus on points earned if you have a qualified B of A Checking account. 8)Possibility to get up to 3 points per dollar when you buy your airline tickets thru B of A travel Center 9) World Wide acceptance. ) Besides to redeem your points to pay for travel related expenses I think you can even get cash back, but check with B of A for more details. Do you need more benefits? Bottom Line, Bank of America has been pretty aggressive offering this competitive Credit Card among other reward/travel credit cards offered in the market

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