What is the Bank of America Travel Rewards credit card credit score requirement?

The Bank of America credit score requirement is 750 or higher for the best Bank of America credit card offers, though other options are available for people with lower scores. It is possible to get approved for a credit card from Bank of America with limited credit history or a bad credit score, for example.… read full answer

Bank of America Credit Score Requirements by Card

• Bank of America® Customized Cash Rewards Secured Credit Card: 300 (Bad credit)
• Bank of America® Unlimited Cash Rewards Secured Credit Card: 300 (Bad credit)
• BankAmericard® Secured Credit Card: 300+ (Bad credit)
• Bank of America® Travel Rewards Credit Card for Students: less than 3 years of credit history+ (Limited History)
• Bank of America® Unlimited Cash Rewards credit card for Students: less than 3 years of credit history+ (Limited History)
• Bank of America® Customized Cash Rewards Credit Card for Students: less than 3 years of credit history+ (Limited History)
• Bank of America® Premium Rewards® credit card: 750+ (Excellent credit)
• BankAmericard® credit card: 750+ (Excellent credit)
• Bank of America® Travel Rewards credit card: 750+ (Excellent credit)
• Bank of America® Customized Cash Rewards credit card: 750+ (Excellent credit)
• Bank of America® Unlimited Cash Rewards credit card: 750+ (Excellent credit)
• Bank of America® Premium Rewards® Elite Credit Card: 750+ (Excellent credit)

Keep in mind that it’s best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.

You should also note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a Bank of America credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

The Bank of America Travel Rewards credit card points are worth 1 cent each when redeemed for travel and dining purchases. For example, 10,000 BofA Travel Rewards points are worth $100 in travel expenses. Redeeming for travel and dining is your best option with this card.

These points are significantly less valuable when redeemed for a gift card, for cash back or for a miscellaneous item such as a charitable donation. For example, each point is worth 0.6 cents when redeemed for cash back. Gift card redemption values vary by merchant.… read full answer

You can redeem Bank of America Travel Rewards credit card points for statement credit to cover travel purchases made in the past 12 months. The card’s points can also be used for gift cards or for cash back, via paper check or a Bank of America deposit-account credit.

You can redeem your points by signing in to your account … read full answeronline or on the BofA mobile app, or by calling (800) 434-8313. The Bank of America Travel Rewards credit card gives at least 1.5 points per $1 spent on purchases, so that can add up quickly.

How to Redeem Bank of America Travel Rewards credit card Points Online

1. Log in to your Bank of America account online.
2. Select the Bank of America Travel Rewards credit card.
3. Click on the “Rewards” tab.
4. 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 credit card 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.

What Counts as Travel for the Bank of America Travel Rewards credit card?

One great thing about redeeming Bank of America Travel Rewards credit card 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
• Zoos
• Plane tickets
• Hotel reservations
• Airbnb rentals

As you can see, the redemption options given by Bank of America Travel Rewards credit card offer great flexibility. On top of that, there are no blackout dates or restrictions.