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Apply online for Bank of America® Travel Rewards credit card
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Bank of America® Travel Rewards credit card Review

Pros & Cons

  • An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
  • Enhanced rewards for Bank of America customers, including up to a 75 percent bonus on your rewards (details in review).
  • A simple rewards earning structure means rewards can accumulate quickly without requiring a lot of planning on your part.
  • 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

Rewards
1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
Bonus Rewards
25,000 online bonus points if 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
Regular APR
17.24% - 25.24% Variable APR on purchases
Annual Fee
$0

Full Review

Curtis Arnold Editor-in-chief

Bank of America® Travel Rewards credit card Essentials

If you like the simplicity of flat rewards rates for every dollar you spend, with no restrictions attached, Bank of America® 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 Bank of America® Travel Rewards credit card offers cardholders 25,000 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 $250 bonus in statement credit for travel, which is a pretty attractive welcome offer for a no-annual-fee card.

Here’s a glimpse into notable components of the Bank of America® Travel Rewards credit card:

  • Unlimited 1.5x points on every purchase
  • No annual fee - ever
  • Special 0 percent introductory rate on purchases for 12 billing cycles (then, 17.24% - 25.24% Variable APR on purchases)
  • 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, points 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.

The Bank of America® Travel Rewards credit card offers additional, innovative ways to earn rewards, too. If you’re a Bank of America 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.

Bank of America® 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 Bank of America has been regularly recognized for its fraud protection, detection and resolution.

With that in mind, the Bank of America® Travel Rewards credit card has all the bells and whistles you’d expect 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 Bank of America® 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 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 Bank of America® Travel Rewards credit card is only average compared to other cards on the market.

The into rewards offer, which equals $250 in statement credit for 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 the Bank of America® Travel Rewards credit card Compares to Other Travel Cards

Bank of America® Travel Rewards credit card vs. Barclaycard Arrival Plus® World Elite Mastercard®

The Barclaycard Arrival Plus® World Elite Mastercard® charges an $89 (waived first year) annual fee, so credit card users who spend lightly or moderately may not be able to offset the annual cost of this card with rewards points (See Rates and Fees). However, if you are a big spender, the Barclaycard Arrival Plus® World Elite Mastercard® may be one to consider. The rewards rate is .5x higher than the Bank of America card, and the intro offer is $450 greater (70,000 miles after spending $5,000 on purchases in the first 90 days).

Bank of America® Travel Rewards credit card vs. Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card awards cardholders with two times miles for every purchase (and 10 times the miles for every $1 spent when you use your card to pay for a booking via Hotels.com/Venture), and the intro offer is worth $250 more than with the Bank of America® Travel Rewards credit card. But the Capital One® Venture® Rewards Credit Card is definitely geared toward cardholders who use their card often. There is a $95 annual fee attached to the Capital One® Venture® Rewards Credit Card (after the intro $0 annual fee for the first year). So if you’re a casual credit card user, the Bank of America® Travel Rewards credit card may be a more logical pick.

Bank of America® Travel Rewards credit card 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 welcome 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 Bank of America card, 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 Bank of America® 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 customer, this card is especially beneficial because your rewards points are accelerated.

This page was last updated on February 01, 2019

This card compared to other travel rewards cards

Rewards
1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Bonus Rewards
25,000 online bonus points if 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
Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
Regular APR
17.24% - 25.24% Variable APR on purchases
18.24% - 25.24% Variable 
18.24% - 25.24% Variable 
Annual Fee
$0
$95
$95
CardRatings.com Editorial Staff

Bank of America® 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
Regular APR
17.24% - 25.24% Variable APR on purchases 
Annual Fee
$0

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
  • 25,000 online bonus points if 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 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 17.24% - 25.24% 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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Highlighted offers
Currently available on the Bank of America® Travel Rewards credit card
25,000 online bonus points
If 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
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Apply online for The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

  • Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Credit Needed:
Excellent, Good
Apply online for United℠ Explorer Card

United℠ Explorer Card

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✔® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Credit Needed:
Excellent, Good