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Bank of America® Travel Rewards Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.99% ‐ 22.99% (Variable) (0% for the first 12 months)
Balance Transfer
14.99% ‐ 22.99% (Variable)
1.5 points
Signup Bonus
25000 points (after spending $1,000)

Informr score
The Bank of America® Travel Rewards Credit Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 30 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...

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

The Bank of America® Travel Rewards credit card is one of the simplest – but still rewarding – travel credit cards on the market. For starters, it has a straightforward 1.5 points for every $1 spent. And you can earn as many rewards as you can rack up. This card also rewards Bank of America clients...

- Lauren Barret, MoneyUnder30

Individuals looking for a simple and straightforward rewards program will like the Bank of America Travel Rewards Credit Card. With fixed rewards of 1.5X points on all purchases everywhere, every time, there’s no need to worry about spending in specific categories to maximize your rewards. If you’re...

- Kevin Payne, FinanceBuzz
The Points Guy

The Bank of America® Travel Rewards Visa® credit card has the potential to be a solid flat-rate card if you are a member of the Preferred Rewards program. However, without the Preferred Rewards earning bonus, the card falls short compared to other flat-rate cards on the market.

- Madison Blancaflor, The Points Guy
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


Interest Rates
Regular APR Interest Rate 14.99% ‐ 22.99% (Variable) (0% for the first 12 months)

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

Balance Transfer Interest Rate 14.99% ‐ 22.99% (Variable)

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

Cash Advance Interest Rate 17.99% ‐ 25.99% (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.


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 $40.00


Sign up bonus 25000 points after spending $1,000

On purchases within the first 3 months.

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, Google Pay
Virtual Cards No
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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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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