Bank of America® Travel Rewards Credit Card: Your Passport to Flexible Travel Rewards

When it comes to travel credit cards, the Bank of America® Travel Rewards Credit Card stands out for its simplicity, no annual fee, and flexible redemption options. Whether you're a frequent flyer or someone who enjoys the occasional vacation, this card provides a solid way to earn rewards without being tied to specific airlines or hotel chains.

Key Features and Benefits

1. No Annual Fee
Unlike many travel credit cards that charge a fee just for holding the card, the Bank of America® Travel Rewards Credit Card comes with $0 annual fee, making it an excellent option for budget-conscious travelers.

2. Unlimited 1.5 Points per Dollar Spent
This card offers a flat-rate reward system, giving you 1.5 points for every $1 you spend on all purchases. There’s no need to track categories or rotate spending habits—every purchase earns points.

3. 25,000 Bonus Points Introductory Offer
New cardholders can earn 25,000 online bonus points if they make at least $1,000 in purchases within the first 90 days of account opening. These bonus points are redeemable for a $250 statement credit toward travel purchases.

4. No Foreign Transaction Fees
Travelers will appreciate the no foreign transaction fees, which means you can use your card abroad without being charged extra for currency conversion or international purchases.

5. Flexible Point Redemption
Points can be redeemed as a statement credit for travel and dining purchases. You’re not limited to specific airlines or hotel brands. Eligible purchases include flights, hotel stays, vacation packages, cruises, car rentals, and more.

6. 0% Intro APR on Purchases
The card comes with a 0% introductory APR for 15 billing cycles on purchases and on any balance transfers made within the first 60 days. After the intro period, a variable APR between 18.24% to 28.24% will apply, depending on your creditworthiness.

7. Points Don’t Expire
As long as your account remains open and in good standing, your points never expire—giving you complete flexibility to redeem them when you’re ready to travel.

8. Preferred Rewards Bonus
If you’re a Bank of America Preferred Rewards member, you can earn 25% to 75% more points on every purchase, depending on your tier. This makes the card even more valuable for those who have banking or investment accounts with Bank of America or Merrill.

Is the Card Right for You?

The Bank of America® Travel Rewards Credit Card is ideal for:

• People who prefer flat-rate rewards without category restrictions.
• Travelers who want to avoid annual fees and foreign transaction fees.
• Bank of America customers who can benefit from the Preferred Rewards program.
• Individuals looking for a beginner-friendly travel card with a generous welcome bonus.

However, if you're someone who travels frequently with a specific airline or hotel chain, or if you prefer premium travel perks like airport lounge access or travel insurance, a co-branded or premium travel card might suit you better.

How to Apply for the Bank of America® Travel Rewards Credit Card

Applying for this card is a straightforward process. Here’s a step-by-step guide:

Step 1: Check Your Credit Score
This card is best suited for individuals with good to excellent credit, typically a FICO score of 670 or higher.

Step 2: Visit the Official Website
Go to the official Bank of America website and navigate to the credit cards section. Choose the Travel Rewards Credit Card.

Step 3: Fill Out the Application
You’ll need to provide personal and financial information, including:

• Full name and contact details
• Social Security number
• Employment and income information
• Housing costs (rent or mortgage payments)

Step 4: Review Terms and Submit
Carefully review the card's terms and conditions. Once satisfied, submit your application. You’ll typically receive an instant decision, though some applications may require additional review.

Step 5: Activate and Start Spending
If approved, you’ll receive your card in the mail within 7–10 business days. Once activated, start spending to reach the $1,000 minimum and claim your 25,000-point bonus.

Tips to Maximize Your Rewards

• Use the card for everyday purchases to build points quickly—groceries, gas, bills, and dining all count.
• Book travel through the Bank of America Travel Center to earn 3x points per dollar on eligible travel.
• Pair it with a Preferred Rewards account to boost your earnings significantly.
• Redeem points regularly for travel or dining purchases to maintain their value.

Security and Additional Perks

• Zero Liability Protection: You’re not held responsible for unauthorized transactions.
• Alerts and Controls: Set up custom alerts for spending and account activity.
• Digital Wallet Compatibility: Works with Apple Pay, Google Pay, and Samsung Pay.
• FICO Score Access: Get free access to your FICO credit score monthly.

Final Thoughts

The Bank of America® Travel Rewards Credit Card is a solid all-around travel card that offers a compelling mix of rewards, flexibility, and value—especially if you're already a Bank of America customer. With no annual fee, no foreign transaction fees, and a rewarding bonus structure, it's a smart option for both seasoned travelers and those just starting to explore the world.