Does Bank of America Travel Rewards use chip-and-PIN technology? This question is about the Bank of America® Travel Rewards credit card

Does Bank of America Travel Rewards use chip-and-PIN technology?

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This question is about the Bank of America® Travel Rewards credit card

Cameron DiGiovanni, Writer

@cdigiovanni20 • 04/06/21 This answer was first published on 04/07/21 and it was last updated on 04/06/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes. The Bank of America Travel Rewards credit card is a chip-and-PIN credit card. To request a PIN for your Bank of America Travel Rewards credit card, log into your Bank of America account online, navigate to the account settings page, select “Create or Change PIN,” and follow the steps from there. Alternatively, call the number on the back of your card to get assistance from a customer service representative.

Even though the Bank of America Travel Rewards credit card has the chip-and-PIN feature, cardholders may still be asked for a signature instead of a PIN when they use the card to make many purchases. Having chip-and-PIN technology can certainly come in handy in some situations, though. For example, chip-and-signature cards might not work at unattended kiosks abroad, but a chip-and-PIN card will.

Drew Carter, Member

@drew_carter • 07/29/20 This answer was first published on 07/30/20 and it was last updated on 07/29/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Bank of America Travel Rewards credit card does use chip-and-PIN technology, which provides an additional layer of security and makes it easier to spend money abroad. In fact, all Bank of America credit cards are chip-and-PIN-enabled. Just note that the technology may help reduce certain types of fraud that can result from third-party or merchant compromise, but it will not prevent a compromise. If you notice any suspicious activity, call the number on the back of your card.

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How to Redeem Bank of America Travel Rewards Points Online

Select the Bank of America Travel Rewards credit card.

Click on the “Rewards” tab.

Browse the rewards options and redeem your Travel Rewards points.

If you travel frequently, you should have no trouble redeeming your Bank of America Travel Rewards points. While you can’t actually use points to purchase travel directly, you can pay for a travel purchase with the card through the BofA Travel Center and earn 3 points per $1 spent. Two days later, you can redeem those points to count toward the travel purchase as long as you have at least 2,500 points ($25 travel value).

If you don’t want to wait, you can redeem immediately for cash back once you’ve collected at least 2,500 points ($15 cash back value). But you’ll need at least 3,125 points to use Travel Rewards points for gift cards.

One great thing about redeeming Bank of America Travel Rewards points for your travel purchases is BofA’s broad interpretation of what counts as a travel purchase. You can use points toward purchases at places like circuses, art galleries, amusement parks, tourist attractions, boat rental agencies, and zoos, along with your ordinary travel expenses like plane tickets and hotel reservations. And unlike a lot of other credit card companies, BofA counts Airbnb rentals in its travel category, which lets you use your points toward those purchases.

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