Bank of America® Travel Rewards Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.74% ‐ 24.74% (Variable) (0% for the first 12 months)
Balance Transfer
16.74% ‐ 24.74% (Variable)
Rewards
1.5 points
Signup Bonus
25000 points (after spending $1,000)


8.5/10
Informr score
The Bank of America® Travel Rewards Credit Card currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 28 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Bank of America® Travel Rewards Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Credit Cards Explained

The Bank of America Travel Rewards credit card is an excellent, middle-of-the-road card for people who love to collect points for travel—especially without any annual fees. There are some better cards out there with better rewards and more perks, but for no annual fee you can’t go wrong.

- Carrie Smith, Credit Cards Explained
Compare Cards

It provides the card users with a huge opportunity for savings because consumers can utilize travel comparison websites in order to find the best deals instead of dealing with often marked-up rates common with company-specific rewards programs.

- Compare Cards
LendEDU

The Bank of America Travel Rewards credit card offers no annual fee and a simple rewards program that provides points on purchases. No foreign transaction fees make it a decent card for travelers, but it’s lacking some of the perks common to other travel cards.

- Christy Rakoczy, LendEDU
The Wirecutter

This is a fairly average travel rewards card, but it comes with no annual fee, and you have the opportunity to earn a higher rate of return on your purchases if you're a Bank of America Preferred Rewards customer.

- Louis DeNicola, The Wirecutter
CreditCards.com

You can travel anytime you want with this flexible travel card: The Bank of America Travel Rewards credit card sets itself apart from other travel cards by doing away with restrictive travel policies and letting you book your rewards-funded travel yourself.

- Andy Shuman, CreditCards.com

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 24.74% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.74% ‐ 24.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 19.74% ‐ 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $10

Cash Advance Fee 3%

For Direct Deposit and Check Cash Advances or $10 whichever is greater.


5%

for ATM, Over-the-Counter, Same-Day Online and Cash Equivalent Cash Advances or $10 whichever is greater.

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 25000 points after spending $1,000

On purchases within the first 3 months.

Rewards
All Purchases 1.5 points per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Credit Cards Explained

Perfect for occasional traveler or avid budget-conscious travel hacker

from Credit Cards Explained

The Bank of America Travel Rewards credit card is an excellent, middle-of-the-road card for people who love to collect points for travel—especially without any annual fees. There are some better cards out there with better rewards and more perks, but for no annual fee you can’t go wrong.

Read full review

The Bank of America Travel Rewards credit card is an excellent, middle-of-the-road card for people who love to collect points for travel—especially without any annual fees. There are some better cards out there with better rewards and more perks, but for no annual fee you can’t go wrong.

Read full review

Less

Compare Cards

This card has its benefits when used for traveling purposes

Compare Cards

It provides the card users with a huge opportunity for savings because consumers can utilize travel comparison websites in order to find the best deals instead of dealing with often marked-up rates common with company-specific rewards programs.

Read full review

It provides the card users with a huge opportunity for savings because consumers can utilize travel comparison websites in order to find the best deals instead of dealing with often marked-up rates common with company-specific rewards programs.

Read full review

Less

LendEDU

Unlimited travel rewards with no foreign transaction fees

from LendEDU

The Bank of America Travel Rewards credit card offers no annual fee and a simple rewards program that provides points on purchases. No foreign transaction fees make it a decent card for travelers, but it’s lacking some of the perks common to other travel cards.

Read full review

The Bank of America Travel Rewards credit card offers no annual fee and a simple rewards program that provides points on purchases. No foreign transaction fees make it a decent card for travelers, but it’s lacking some of the perks common to other travel cards.

Read full review

Less

The Wirecutter

A decent travel card option for BofA customers

from The Wirecutter

This is a fairly average travel rewards card, but it comes with no annual fee, and you have the opportunity to earn a higher rate of return on your purchases if you're a Bank of America Preferred Rewards customer.

Read full review

This is a fairly average travel rewards card, but it comes with no annual fee, and you have the opportunity to earn a higher rate of return on your purchases if you're a Bank of America Preferred Rewards customer.

Read full review

Less

CreditCards.com

Good earning scheme, flexible redemption options

from CreditCards.com

You can travel anytime you want with this flexible travel card: The Bank of America Travel Rewards credit card sets itself apart from other travel cards by doing away with restrictive travel policies and letting you book your rewards-funded travel yourself.

Read full review

You can travel anytime you want with this flexible travel card: The Bank of America Travel Rewards credit card sets itself apart from other travel cards by doing away with restrictive travel policies and letting you book your rewards-funded travel yourself.

Read full review

Less

Cardcruncher

Worth considering if you travel often but don’t want to be tied to a single airline or hotel chain

The Bank of America Travel Rewards Credit Card is designed for travelers who don’t like to be restricted to certain airlines or travel dates. You can use the card anywhere and you’ll earn unlimited 1.5 points per dollar spent. When you’ve accumulated enough points, you can redeem them for f...More

The Bank of America Travel Rewards Credit Card is designed for travelers who don’t like to be restricted to certain airlines or travel dates. You can use the card anywhere and you’ll earn unlimited 1.5 points per dollar spent. When you’ve accumulated enough points, you can redeem them for flights, hotels and other travel expenses with any company you choose.

Read full review

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Dough Roller

Does a nice job for a travel rewards credit card

from Dough Roller

It’s actually a very solid choice for a travel card. No, you’re not going to get tons of points or perks like access to lounges and companion fares, but it’s also not supposed to be a premium travel card. There is no annual fee and no foreign transaction fees, so for someone who doesn’t...More

It’s actually a very solid choice for a travel card. No, you’re not going to get tons of points or perks like access to lounges and companion fares, but it’s also not supposed to be a premium travel card. There is no annual fee and no foreign transaction fees, so for someone who doesn’t spend a ton on credit cards and wants to pick up some points when they’re traveling, this is a great choice.

Read full review

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Cardcruncher

Decent rewards with no annual fee

from Cardcruncher

The Bank of America Travel Rewards Credit Card has a lot to offer if you travel a few times per year and aren’t loyal to one airline or hotel chain. It’s worth a look if you don’t spend enough in a year to justify the annual fee on a premium travel rewards card. But more lucrative cards for...More

The Bank of America Travel Rewards Credit Card has a lot to offer if you travel a few times per year and aren’t loyal to one airline or hotel chain. It’s worth a look if you don’t spend enough in a year to justify the annual fee on a premium travel rewards card. But more lucrative cards for frequent travelers both earn strong rewards and provide a host of terrific travel benefits.

Read full review

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SmartAsset

Does not offer the strongest travel rewards out there

This card is best for someone who takes occasional international trips, but is not the most frequent flier. Thanks to the EMV chip, no foreign transaction fees, and $0 fraud liability, this card is excellent for a trip nearly anywhere in the world. And if you save up your rewards, you can get there for free.

Read full review

This card is best for someone who takes occasional international trips, but is not the most frequent flier. Thanks to the EMV chip, no foreign transaction fees, and $0 fraud liability, this card is excellent for a trip nearly anywhere in the world. And if you save up your rewards, you can get there for free.

Read full review

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NerdWallet

Great for new points collectors

from NerdWallet

For new travelers, the Bank of America Travel Rewards credit card offers a lot of upside with very little risk. Combining rewards opportunities and generous redemption options, this card gives first-time travelers the chance to see how rewards work and can add up toward free travel over time.

Read full review

For new travelers, the Bank of America Travel Rewards credit card offers a lot of upside with very little risk. Combining rewards opportunities and generous redemption options, this card gives first-time travelers the chance to see how rewards work and can add up toward free travel over time.

Read full review

Less

User Reviews


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