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For those who love to travel and maximize rewards, the Bank of America® Travel Rewards Credit Card is a smart choice.

This credit card is designed for customers looking for a no-annual-fee travel rewards program that allows them to earn unlimited 1.5 points per dollar spent on all purchases.

Unlike many travel credit cards, there are no blackout dates, expiration restrictions, or foreign transaction fees.

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Whether you’re booking flights, staying at hotels, or dining at restaurants, this card provides valuable points on every purchase.

Additionally, customers who have a Bank of America checking or savings account and qualify for the Preferred Rewards program can earn even more bonus points. In this guide, we’ll explore the key benefits, eligibility requirements, and application process for this card.

Benefits of the Bank of America® Travel Rewards Credit Card

This card is designed to maximize travel rewards and flexibility. Here are some of the key benefits:

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  • Earn Unlimited 1.5 Points per $1 Spent – No need to track categories, as every purchase earns rewards.
  • 25,000 Bonus Points Offer – Receive 25,000 online bonus points after spending $1,000 in the first 90 days.
  • No Annual Fee – Enjoy travel rewards without any yearly cost.
  • No Foreign Transaction Fees – Save on international purchases with zero extra charges.
  • Flexible Redemption – Use points for travel purchases, including flights, hotels, vacation packages, and car rentals.
  • Preferred Rewards Bonus – Earn 25%–75% more points if you’re a Bank of America Preferred Rewards member.
  • 0% Introductory APR for 15 Billing Cycles – On purchases, followed by a variable APR.

Prerequisites to apply

To apply for the Bank of America® Travel Rewards Credit Card, you need to meet the following criteria:

  • Be at least 18 years old (or the legal age in your state).
  • Have a valid U.S. Social Security Number.
  • Provide proof of income to show repayment ability.
  • Have a fair to good credit score (typically 670+ recommended).
  • Be a U.S. resident with a valid physical address.
  • If applying for a Preferred Rewards bonus, you must be a Bank of America account holder.

About Bank of America

Bank of America (BofA) is one of the largest and most influential banks in the world, offering a wide range of financial services to millions of customers. Founded in 1904 in California, the bank originally started as the Bank of Italy, created by businessman Amadeo Giannini to serve immigrants who had difficulty accessing banking services. It later grew and became Bank of America in 1930, establishing itself as one of the leading banks in the country.

Since then, the bank has been a pioneer in several financial innovations, including introducing the first bank credit card, called BankAmericard, which later evolved into what we now know as Visa.

Global Presence and Services

Today, Bank of America operates in over 35 countries, serving more than 66 million individual and business customers. It has over 4,000 branches and 16,000 ATMs across the United States alone. Additionally, the bank provides cutting-edge digital and mobile banking, ensuring convenient access to banking services worldwide.

Bank of America’s services include:

  • Checking and savings accounts – Plans designed for different customer needs.
  • Credit and debit cards – Options with rewards, cashback, and exclusive benefits.
  • Loans and financing – Mortgages, auto financing, and personal loans.
  • Investments – Access to investment options through Merrill Lynch, a subsidiary of the bank.
  • Wealth management – Personalized services for high-net-worth clients.
  • Corporate and commercial banking – Financial solutions for businesses and large corporations.

Who is this card best for?

The Bank of America® Travel Rewards credit card seems to be a great fit for a variety of people.

If you’re someone who travels frequently and wants a simple way to earn rewards on all your travel-related purchases, this card could be a good choice.

It’s also appealing because it doesn’t have an annual fee, which is always a plus. If you happen to be a Bank of America Preferred Rewards member, you’ll get even more bang for your buck with this card, maximizing the points you earn.

It’s also a solid option for people who spread their spending across various categories since you earn the same rewards rate no matter what you buy.

Finally, this card could be a good starting point for students or young professionals who are just getting into the world of travel rewards and want something flexible and easy to use.

What rewards and programs does this card offer?

This card offers a simple yet rewarding travel points system:

  • Earn 1.5 points per dollar spent on all purchases.
  • Redeem points for travel, cash back, or gift cards.
  • No expiration on earned points.
  • Receive 25,000 bonus points after spending $1,000 within the first 90 days.
  • Preferred Rewards members get up to 75% more points.

Initial credit limit

The credit limit varies based on your creditworthiness. Here are the typical ranges:

  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $25,000+ (for high credit score applicants)

How to apply for the card

Follow these steps to apply for the Bank of America® Travel Rewards Credit Card:

  1. Visit the Official Website
  2. Click “Apply Now” – This will open the application form.
  3. Fill in Your Personal Information – Provide your name, address, and Social Security Number.
  4. Enter Employment & Income Details – Bank of America requires proof of income.
  5. Review Terms & Conditions – Ensure you understand the interest rates and fees.
  6. Submit the Application – Click Submit and wait for approval.
  7. Tap the button below to be redirected to the official website of the Bank of America Travel Rewards Credit Card.

TAP HERE TO ACCESS THE WEBSITE

Download the Bank of America App

For easy account management, you can download the Bank of America Mobile Banking App:

DOWNLOAD FOR ANDROID

DOWNLOAD FOR IOS

Pros and Cons of the Bank of America® Travel Rewards Credit Card

Pros

  • No Annual Fee – Perfect for travelers who want rewards without extra costs.
  • Unlimited 1.5 Points on Every Purchase – No categories to track.
  • No Foreign Transaction Fees – Use it worldwide without extra charges.
  • Introductory 0% APR for 15 Billing Cycles – Great for large purchases.
  • 25,000 Bonus Points Offer – A generous sign-up bonus.

Cons

  • No Bonus Categories – Other travel cards may offer higher rewards in specific categories.
  • No Luxury Travel Perks – Lacks premium benefits like airport lounge access.
  • High APR After Intro Period – Can be expensive if you carry a balance.

How to Unlock the Card

Once you receive your card, follow these steps to activate it:

  1. Log in to Online BankingBank of America Online Banking
  2. Enter Your Card Details – Input the card number and security code.
  3. Verify Your Identity – Bank of America may send a one-time code to your phone.
  4. Set a PIN (if required) – Choose a PIN for ATM withdrawals.
  5. Use Your Card – Start making purchases and earning rewards!

Fees and Tariffs

Here’s an overview of the card’s main costs:

Fee Type

Amount

Annual Fee

 $0

Foreign Transaction Fees

 $0

Balance Transfer Fee

3% of each transfer

Cash Advance Fee

3% (minimum $10)

Late Payment Fee

Up to $40

Variable APR

 18.24% - 28.24%

Customer Service

For assistance, you can contact Bank of America through these channels:

The Bank of America® Travel Rewards Credit Card is a solid choice for travelers who want no annual fee, simple rewards, and flexibility. While it may not have luxury travel perks, it offers unlimited points, no foreign transaction fees, and a strong sign-up bonus.

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