Bank of America Travel Rewards Card Review for 2023Reviews, rates, fees and rewards details for the BankAmericard Travel Rewards credit card. Compare to other cards and apply online in seconds.John KiernanWalletHub25,000 points initial bonus ($250 in travel)1.5 points / $1 spentNo annual fee or foreign transaction feesUser-friendly travel rewards redemptionVery high regular APRRequires excellent credit
after 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
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
Rewards
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 after 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
If you're a Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
APR on Purchases
0% intro APR for 18 billing cycles, 17.99% - 27.99% Variable APR after that
Balance Transfer
0% intro APR for 18 billing cycles for any balance transfers made in the first 60 days, 17.99% - 27.99% Variable APR after that
Bank of America Travel Rewards credit card Pros & Cons
25,000 points initial bonus ($250 in travel)
1.5 points / $1 spent
No annual fee or foreign transaction fees
User-friendly travel rewards redemption
Very high regular APR
Requires excellent credit
Bank of America Travel Rewards credit card Review
John Kiernan
4.2 / 5
The Bank of America® Travel Rewards credit card is a good option for people with a 750+ credit score who want to earn bonus travel rewards while still enjoying a $0 annual fee. The Bank of America Travel Rewards card is worth it in part because it gives 25,000 points... show more
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Bank of America Travel Rewards credit card's Additional Info
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.99% - 27.99% Variable APR will apply. A 3% fee applies to all balance transfers.
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Contactless Cards - The security of a chip card, with the convenience of a tap.
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This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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The Bank of America Travel Rewards credit card minimum payment is $25 or 1% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $25, the Bank of America Travel Rewards credit card minimum payment will be equal to the balance. In addition, if you recently missed a payment, Bank of America may add a late fee to your minimum payment.
The minimum payment is the smallest amount you're obligated to pay by the due date for your Bank of America Travel Rewards credit card account to be in good standing. Failure to pay by the due date may result in a late fee. Your credit score will also take a hit if you miss multiple minimum payments.
The Bank of America® Travel Rewards credit card reports to the credit bureaus monthly, within days after the end of a cardholder's monthly billing period. Bank of America Travel Rewards credit card reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Bank of...
There are no Bank of America® Travel Rewards credit card categories for bonus rewards. The Bank of America Travel Rewards credit card instead gives a flat rewards rate on all purchases.
There are plenty of other credit cards that do offer bonus rewards in specific categories, though. If you're looking for a rewards credit card with...
To get a Bank of America Travel Rewards credit card PIN, call the number on the back of the Bank of America Travel Rewards credit card and ask customer service for a PIN. Another way to get a Bank of America Travel Rewards credit card PIN is by logging in...
Applicants can check their Bank of America Travel Rewards credit card application status online or by phone at 1 (866) 422-8089. For both methods, you'll need to provide your Social Security number, date of birth, and ZIP code so that Bank of America can match you to your application.
Bank of America P.O. Box 15019 Wilmington, DE 19850-5019
When paying Bank of America Travel Rewards credit card bills by mail, be sure to submit either a check or money order for the payment amount. Bank of America does not accept cash.
The Bank of America® Travel Rewards credit card does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and the Bank of America Travel Rewards credit card is not among the cards offering it.
Yes, you can carry a balance on the Bank of America® Travel Rewards credit card, which allows you to pay off your purchases and other transactions over time. There is a minimum monthly payment you must make, and you can carry the remaining balance. Keep in mind that carrying a balance may not always be the...
The Bank of America® Travel Rewards credit card is not easy to get. The Bank of America Travel Rewards credit card is available to people who have excellent credit, meaning a score of 750+. A sufficient credit score is not the only requirement for approval, either.
Bank of America Travel Rewards credit card Requirements
The Bank of America® Travel Rewards credit card will increase your credit limit no more than once every six months, generally. This time frame applies whether you request a credit limit increase yourself or wait for Bank of America to offer you an automatic increase. It's typical for credit cards to have a waiting period between increases.
Bank of America Travel Rewards credit card Video Review
Bank of America Travel Rewards credit card Reviews
Share your insights and review the Bank of America® Travel Rewards credit card
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1,179 reviews
1,179 reviews
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Alex Steven @alexs_14
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2 Star Rating
The BankAmericard Travel Rewards Credit Card is a pretty average to below average card in my opinion. As said in the name of the card, this is suited for travelers. Since I don't travel too much, this card isn't too beneficial for me. I like the no annual fees, but this card just doesn't offer too much at all for non travelers. Even for travelers, I feel the rewards are somewhat minuscule. APR can be high, and overall I feel that there are far more cards out there that are better than this one. Even when it comes to traveling, there are better travel cards than this one, with more traveling benefits, and other benefits as well. I recommend not getting this card, and opting for something else.
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Sheryl Papageorgio @sheryl.papageorgio
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4 Star Rating
The BankAmericard Travel Rewards Credit Card is great if you are a frequent traveler and actually spend your own money on travel. The way that this card shines is that they give you 1.5% back on every day purchases, and 3% on travel purchases with a cap of $6,000 worth of purchases. The downside is that you are limited towards a statement credit towards travel, not for cash back, gift cards, or other rewards that other programs offer. Other cards like Venture offer 1.25% back with no annual fee, but you can redeem for gift cards and spend the money however you want. Definitely consider this as your every day spending card if you do a lot of travel, if not then it might not be for you.
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Janice Krone @janice.krone.7
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4 Star Rating
The BankAmericard Travel Rewards Credit Card looks like a great credit card and I would like to apply for it. I use my credit cards to pay for most of my items, and I really like that I can get 1.5 points for every dollar that I spend, which is more than my current credit cards offer me. I also travel pretty frequently, as I have family members that live out of the country, so earning more points by using it on airline purchases is very beneficial to me. I also like that there are no foreign fees with this card.
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Kyle Storm @kyle.young.581
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3 Star Rating
This is an interesting idea for a card. I was reading over it and it sounds fairly decent. I have had trouble with credit cards before, like Visa and Mastercard, but I like the rate on this one. I also like that it rewards you, I hear people speak of getting rewards from their cards for spending but I don't think they get as much as this card is offering. I would like to apply for this card, should I be approved. I don't use credit cards that often but I probably would if I could have a card like this.
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Chris @sharkmops
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2 Star Rating
The BankAmericard Travel Rewards Credit Card is a fairly decent card, it definitely is not the best card available but it is not the worst either. One thing I found interesting about it is how hard it was to get approved. The card requires pretty good credit and you would think that for how hard it is to get approved, it would be better, but nope. It's not a bad card by any means, just doesn't compare at all to other rewards cards on the market today. At least there is no unnecessary fees attached. But other than that, I would just go after another card instead, there are much better offerings on the market.
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Orange USA @orangeu
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4 Star Rating
In My opinion this Bank of America Travel Rewards Credit card has a lot of good features fro travelers 1) No Annual Fee 2) No Foreign Transaction fee; which is great to have it if you travel overseas or process transactions with merchants outside the USA, (Other Banks will charge you up to 3%, or you will have to pay an annual fee waive it i.e Chase Sapphire) 3) 1.5 points per dollar expended 4) Chip Technology or EMV Card at no charge (Other Banks will charge an annual fee too) which I think is a good feature for international travelers). 5) Visa Signature Benefits if you credit history Qualifies. 6) Bank of America Deals 7) 10% annual bonus on points earned if you have a qualified B of A Checking account. 8)Possibility to get up to 3 points per dollar when you buy your airline tickets thru B of A travel Center 9) World Wide acceptance. ) Besides to redeem your points to pay for travel related expenses I think you can even get cash back, but check with B of A for more details. Do you need more benefits?
Bottom Line, Bank of America has been pretty aggressive offering this competitive Credit Card among other reward/travel credit cards offered in the market.
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Crystal Boulton @crystal.boulton.1
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2 Star Rating
I have to be honest, I've had nothing but trouble with Bank of America. The travel rewards connected to this card are kind of pathetic when you compare them to the benefits of other cards. It seems like they just wanted to jump on the travel card bandwagon without any actual research on what other cards offer. I've gotten several past due notices with this card even after I provided proof to the company that my balance was paid in full and on time. I found customer service rude and very reluctant to reverse penalty charge errors, although BoA will slap a bunch of them on you in a split second. I heard that this organization was trying to re-vamp itself to keep up with the times and compete with more progressive banks but I find no evidence of this at all. I only had this card for a very brief window of time when my current fiance was a boyfriend and I had moved to another state to co-habitate. He had BoA and I gave it a chance. It was a bad move on my part. I'm still dealing with strikes on my credit reports that BoA was kind enough to give me. They are way more generous with these than they are flight miles.
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Srikant Chandrasekharan @srikant.chandrasekharan
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5 Star Rating
I have a Bank of America credit card. Although, the card took us several days to reach us, it is a very good and reasonable credit card. The rate of interest is quite low compared to the other cards and they also provide an overdraft limit of $500. This has been very useful during emergencies. I always pay back the balance in full. It makes me feel safe to know that I have the card during any emergency. Although, during the years there has been a lot of changes on the conditions on the cards, it is still just as useful. My credit score has also been good and any problem with the cards, the customer service representative respond quite well to the questions and are polite. I am very happy with the Bank of America credit cards.
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Margie Cole @margie.cole.52
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2 Star Rating
Pretty good advice, fellas. Overall it seems like BofA launched these new BankAmericards with travel rewards just to throw a bone to frequent travelers who were getting cards from other companies, and what they came up with are poor imitations of some already popular products. The BankAmericard Privileges with Travel Rewards is just a more expensive Venture Card and this BankAmericard Travel Rewards Credit Card is just the Capital One Cash Rewards Card but with points and travel branding. So if you came to this page wondering if you should get the BankAmericard Travel Rewards Card, you have your answer.
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Joe Weider @joe_weider
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4 Star Rating
The BankAmericard Travel Rewards Credit Card is I guess the standard option in Bank of America’s new suite of travel rewards credit cards (I mean the other consumer card has Privileges in the name and the WorldPoints Card is for business). Anyway if you’re looking for a travel rewards credit card, you need to figure out whether the BankAmericard Travel Rewards Card is going to be the most rewarding option in light of your spending habits and interests (you don’t want a card that gives you hotel rewards if you never stay at hotels).
As you can see from the top of this page, the Travel Rewards BankAmericard gives you a 10,000 point initial bonus. I looked at the terms and conditions page, and you get these if $500 in purchases post to your account within the first 90 days. You also get 1.5 points per dollar spent across all purchases, which you can ultimately redeem for travel purchases that appear on your statement. (You can also redeem for cash, merchandise and charitable contributions, but I don’t know if you get the same value that way). Aside from the 0% on purchases the BofA Travel Rewards Card offers, that’s basically it for its benefits. You also get 3 points per dollar spent on travel purchased through BofA, but prices are usually jacked up on credit card travel programs, so I doubt this is much of a benefit.
When you get down to it, this new Bank of America Travel Credit Card is decent. Whether it’s the right card for you depends. The Capital One Venture Card is a better option for people who want a card for just one year or who spend a lot on travel because it offers 2 miles for every $1 but has a $59 annual fee starting in the second year (the Travel BankAmericard doesn’t have an annual fee). If you want the best possible initial bonus, I’d go with the Chase Sapphire Preferred ($500). And if you don’t travel that much or always use the same airline or hotel chain, I’d get the Blue Cash Preferred Amex or the card tied to your favorite travel provider. Aside from that, the BankAmericard Travel Rewards Credit Card is a good option, so get it if you travel a moderate amount and won’t be able to earn enough with another card to warrant paying its annual fee.
I’d love to see what Won Buddy Lee has to say about this card too!
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Won Lee @won.b.lee.7
Joe Weider One thing that i always look for is whether a credit card specifically caters to certain needs. If you travel a lot, then you will want a travel specific cards (whether that be hotel branded card or say amex premiere gold, or as you said - my favorite - Chase Sapphire Preferred). If you are someone who is looking for cashback, then you would want to categorize your spending (like chase freedom or cards mentioned by Joe above.) The thing about this card is that its decent in every category, but not great in any. That certainly has its perk, if you just wanna carry one card, and you are too lazy to carry multiple cards for each occasion, but this isn't in my wallet, because i am comfortable carrying multiple cards. Let's start off with its benefits. 1) No annual fee, 2) 1.5 pts per dollar minimum (this works out to 1.5% cash back) 3) options to use the points in various means - straight up cash back at 1 cent per point (again this comes out 1.5% cashback for everyday purchase). which is not bad, but again, if you want cash back there are better cards out there. if you want travel benefit there are better cards out there. the downside? 1) its not specific, 2) BoA customer service sucks. I once had to go through several loops just to erase a purchase that i didn't make on my card. Compare that to Amex and Chase? One phone call, they apologize for someone else' mistake and they give you points on top of it to make me feel better. BoA? no way jose (although i am going to put out a disclaimer that more than half of my liquid assets are tied with BoA service... just not their credit card). So listen to Joe's advice and stay away from this card, unless 1) u don't want to pay annual fee. 2) you want something in general for everything without having to worry about multiple cards and multiple accounts.
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Expert Thoughts on Bank of America Travel Rewards credit card
To help potential applicants learn more about the Bank of America Travel Credit Cards, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.
Bank of America rewards credit cards give bonus rewards to BofA banking customers; are there any other benefits to having a credit card and a checking/savings/investment account from the same bank?
Why does the BofA Travel Rewards Card have a special initial rewards bonus for online applicants?
Lynda S. Livingston Ph.D., CFA, Professor of Finance, University of Puget Sound, Founder, Four Horsemen Investments Read More
Akash Dania Ph.D., Professor of Finance, Editor-in-Chief, Accounting and Finance Research, College of Business, Delaware State University Read More
Jacqueline R. Jaeger MBA, Certified Financial Planner, Adjunct Business Faculty and Insurance CE Adjunct Instructor, University of Dubuque, Adjunct Instructor, Community Educators, LLC Read More
Carlin A. Nguyen Ph.D., Assistant Professor of Marketing, College of Business and Economics, California State University, Los Angeles Read More
Dwayne D. Gremler BGSU Distinguished Teaching Professor, Department of Marketing, College of Business Administration, Bowling Green State University Read More
Kevin McEvoy Ph.D., Assistant Professor In-Residence, Marketing Department, University of Connecticut Read More
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