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Apply online for BankAmericard Travel Rewards® Credit Card
About Our Ratings
Credit Needed
Excellent/Good

BankAmericard Travel Rewards® Credit Card Review

Pros & Cons

  • Online-exclusive intro offer rewards cardholders with a $200 value (20,000 bonus points) after spending $1,000 within the first 90 days of account opening
  • Enhanced rewards for Bank of America and Merrill Lynch customers
  • Purchases for the first 12 billing cycles experience a 0% intro APR.
  • The rewards and intro offer are decent for low to average credit card spenders, but if you're a heavy credit card user, you can likely find another travel rewards card with more substantial rewards.

Top Features

Points or Miles
1.5 pts/$1
Bonus Miles or Points
20,000 online bonus points
if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
Purchase APR
15.24% - 23.24% Variable APR on purchases and balance transfers
Annual Fee
$0.00

Full Review

Curtis Arnold Editor-in-chief

BankAmericard Travel Rewards® Credit Card Essentials    

If you like the simplicity of flat rewards rates for every dollar you spend, with no restrictions attached, BankAmericard Travel Rewards® Credit Card is a great card to consider. Think of it this way: Each time you swipe your card your money is going toward your next trip.

This BankAmericard offers cardholders 20,000 bonus points after spending $1,000 on purchase within the first 90 days of account opening. Since 100 points equal $1 in travel credit, that's equal to a $200 bonus in travel, which is a pretty attractive teaser just for signing up.

Here’s a glimpse into notable components of the BankAmericard Travel Rewards® Credit Card:

  • Unlimited 1.5x points on every purchase
  • No annual fee - ever
  • Special 0% introductory rate on purchases for 12 billing cycles
  • No blackout dates or restrictions when booking your trip
  • Your reward points never expire
  • Flexibility to redeem your points for a statement credit, to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees!

Unlike some travel cards, miles aren’t the only reward this card offers. Points can be redeemed for statement credits to help cover most travel expenses such as, hotel accommodations, vacation packages, auto rentals, baggage fees, and more.

BankAmericard offers additional, innovative ways to earn rewards, too. If you’re a Bank of America or Merrill Lynch banking customer you can get an additional 10% customer bonus just by having a qualifying BofA checking or savings account.  If you’re a Preferred Rewards client those rewards rates increase further -- 25%-75% depending on the type of account you have.

BankAmericard Travel Rewards® Credit Card cardholders also have access to many of perks traditional Bank of America customers receive: Shop safe®, overdraft protection, access to Bank of America financial centers and ATMS to name a few.

What Our Editors Like Most

You'll be pleased to know that for the ninth year straight, Bank of America has been recognized for its fraud protection, detection and resolution with a Best Overall Identity, Safety in Banking Award from Javelin Strategy and Research.

With that in mind, the BankAmericard Travel Rewards® credit card has all the bells and whistles you’d except to find in a travel card.  The rewards rates are competitive, and redeeming points for travel is a breeze. There are no blackout dates or restrictions when it comes to using your card for travel, which adds an extra layer of accessibility.  Points can be redeemed for statement credits which can then be applied for travel purchases which means you’re free to make any travel purchase you want.

As you’d hope, the BankAmericard Travel Rewards® Credit Card does not charge foreign transaction fees. If your travels take you abroad often finding a credit card that eliminates foreign transaction fee, which average around 3% is necessary – those inconspicuous charges can add up quickly.

The ability to earn additional rewards as a Bank of America or Merrill Lynch customer is an intelligent way for issuers to look at how cardholders can redeem points.  Because cardholders can add their rewards points into an eligible savings account, technically rewards points can earn interest. The entire concept promotes strategic credit card use, which is always a win in our book.

Potential Downsides

This card is great for low to average credit card spending but, if you’re a big spender, you might consider shopping around. The rewards rate on the BankAmericard Travel Rewards® card is only average compared to other cards on the market.

The into rewards offer, which equals $200 in travel purchases, is easy to obtain, but is a lackluster incentive compared to other cards in this category. While the intro offer isn’t the best way to pick a card, sometimes it can mean choosing one card over another comparable card.

How BankAmericard Travel Rewards® Compares to Other Travel Cards

BankAmericard Travel Rewards® vs. Barclaycard Arrival Plus™ World Elite MasterCard®.  The Barclaycard charges an $89 annual fee (which is waived the first year) so, credit card users who spend lightly or moderately may not be able to offset the annual cost of this card with rewards points. However, if you are a big spender, the Barclaycard Arrival Plus™ World Elite MasterCard® may be one to consider. The Barclaycard rewards rate is .5x higher than the BankAmericard, and the intro offer is $300 greater.

BankAmericard Travel Rewards® vs. Capital One® Venture® Rewards Credit Card®

Capital One® Venture® Rewards Credit Card awards cardholders with 2x points for every purchase, and the intro offer is $200 greater than with the BankAmericard Travel Rewards card. But the Capital One Venture® is definitely geared toward cardholders who use their card often. There is a $59 annual fee attached to the Venture card (after the intro $0 annual fee perk). So if you’re a casual credit card user, the BankAmericard Travel Rewards® may be a more logical pick.

BankAmericard Travel Rewards® vs. Chase Sapphire Preferred® Card®.

Chase cardholders can earn 2x points on travel and dining at restaurants and 1 point per $1 spent on all other purchases worldwide.) Chase’s rewards program is more complex, and in turn, more lucrative. The signup bonus for Chase Sapphire Preferred® Card allows new cardholders to earn 50,000 bonus points, or a $625 value for travel. Unless you’re Preferred Rewards status with the BankAmericard, it would be difficult to earn the same rewards rate as a Chase Sapphire Preferred® Card cardholder. 

Who Should get This Card?

If you’re not a heavy credit card user, and incurring an annual fee doesn’t make sense, the BankAmericard Travel Rewards® Credit Card is a great “light-version” of a travel rewards card. The rewards are straightforward, and easy to redeem.   

If you are a Bank of American or Merrill Lynch customer, this card is especially beneficial because your rewards points are accelerated.

This card compared to other travel rewards cards

Points or Miles
1.5 pts/$1
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Miles or Points
20,000 online bonus points
if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
Purchase APR
15.24% - 23.24% Variable APR on purchases and balance transfers
16.24%, 20.24% or 23.24% Variable 
N/A 
Annual Fee
$0.00
$89-Waived first year
Introductory annual fee of $0 for the first year, then $195.
CardRatings.com Editorial Staff

BankAmericard Travel Rewards® Credit Card details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
0% Introductory APR on purchases
Period:
12 billing cycles
Purchase APR
15.24% - 23.24% Variable APR on purchases and balance transfers
Annual Fee
$0.00

What Bank of America says about this card

  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%.

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Special offers
Currently available on the BankAmericard Travel Rewards® Credit Card
20,000 online bonus points
If you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases

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Apply online for Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
Credit Needed:
Excellent/Good
Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent