Bank Of America Travel Rewards – How to Apply
Looking for easy travel rewards with no annual fee or blackout dates? The Bank of America® Travel Rewards card fits the bill.
Here’s everything you need to know about how the Bank of America Travel Rewards card works and how it can elevate your spending.
Bank Of America Travel Rewards
No annual fee No higher rewardsHow does the Bank of America Travel Rewards card work?
The Bank of America Travel Rewards credit card is built to make travel more accessible for everyday spenders.
Unlike many travel cards that focus on flights or hotel stays booked through a specific portal, this one gives you unlimited 1.5 points per dollar on every purchase—no matter the category.
Points earned with this card can be redeemed for statement credits toward travel and dining purchases, including expenses like flights, hotels, car rentals, cruises, vacation packages, and even restaurants.
This flexibility is one of the card’s strongest features, making it suitable for both frequent travelers and casual vacationers.
New cardholders are also greeted with a 25,000-point bonus after spending $1,000 in the first 90 days—equal to $250 in travel credits. That’s a solid incentive right out of the gate, especially for a no-annual-fee card.
There’s also a 0% introductory APR for 15 billing cycles on purchases and qualifying balance transfers made in the first 60 days, offering some breathing room if you plan to finance a large purchase.
Main benefits of the Bank of America Travel Rewards card
The most attractive feature of the Travel Rewards card is its simplicity. You don’t need to worry about where or how you spend—every dollar earns 1.5 points automatically.
That consistency is perfect for users who want to earn travel rewards passively, without needing to track categories or plan spending around them.
Other key advantages include:
- No annual fee – You can earn and redeem without having to cover a yearly cost.
- No foreign transaction fees – This makes the card ideal for international travel, allowing you to use it abroad without incurring extra charges.
- Flexible redemption options – Points can be used for a wide range of travel and dining purchases without restrictions or blackout dates.
- Rewards never expire – You can save up your points over time for bigger trips.
- Bonus for Bank of America customers – If you’re a Preferred Rewards client, you can earn 25% to 75% more points on every purchase, turning the base 1.5x rate into as much as 2.62x points per dollar.
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Cons of the Bank of America Travel Rewards card
While the card is versatile and user-friendly, there are a few limitations to keep in mind.
First, points can only be redeemed for travel and dining to get their full value. If you redeem them for other things—like gift cards or cash—they may be worth less. So this card is best suited for people who plan to travel or dine out regularly.
Also, while the 1.5x rate is competitive, other cards offer higher rewards in specific categories, such as 3x or 5x points on travel or dining.
So if you want to maximize your earnings in those areas, you may find more lucrative options elsewhere—though often with an annual fee attached.
Finally, the introductory offer is decent but not extraordinary. Some premium travel cards offer bonuses of $500 or more—but again, those cards usually come with steeper requirements or fees.
APR and Fees
The Bank of America Travel Rewards card has a competitive fee structure that makes it accessible and low-risk for most users:
- Introductory APR: 0% for 15 billing cycles on purchases and balance transfers made within the first 60 days
- Regular APR: 19.24% to 29.24% variable, depending on your creditworthiness
- Balance Transfer Fee: 3% of each transaction (minimum $10)
- Annual Fee: $0
- Foreign Transaction Fee: $0
- Late Payment Fee: Up to $40
This makes the card particularly appealing to budget-minded travelers and people planning to pay off purchases during the intro period.
How to apply for the Bank of America Travel Rewards card
Applying for the Bank of America Travel Rewards card is simple and can be completed online in just a few minutes.
To apply, you’ll need:
- To be at least 18 years old
- A valid Social Security number
- A good to excellent credit score (typically 670 or above)
- A steady source of income
