Travel Rewards Credit Card: Explore Bank of America’s Perks

The Bank of America Travel Rewards Credit Card is a popular pick for travelers because it offers flexible rewards on every purchase—whether you’re spending on travel or everyday items.

This card is perfect for people who love to explore, and it’s also ideal for anyone who wants a simple, straightforward rewards program. You don’t have to keep track of bonus categories; instead, every purchase earns you points, and redeeming them is easy.

Furthermore, you can use your points for flights, hotels, and more, and since there are no foreign transaction fees, it’s a great choice for international trips. On top of that, new cardholders can take advantage of a competitive introductory offer and earn bonus points, which can then be redeemed for travel expenses.

The application process is quick and hassle-free, and Bank of America provides strong customer support, making the experience even smoother. Additionally, the card is widely accepted around the world, which makes it a solid option for frequent travelers. Even if you only travel occasionally, you can still benefit from its features.

In this article, we’ll break down the main benefits, explain how the rewards program works, and cover other key details so you can decide if the Travel Rewards Credit Card is the right choice for you.

How does the Travel Rewards Credit Card work?

The Bank of America Travel Rewards Credit Card is a great choice for anyone looking for a straightforward and rewarding way to earn travel perks. With this card, you’ll earn points on every purchase, no matter where you shop.

Moreover, redeeming your points is simple—you can use them for a variety of travel expenses, like flights, hotels, and car rentals. There’s no need to worry about confusing rules or restrictions; the rewards program is easy to understand and hassle-free.

What really makes this card stand out is its flexibility. You’re free to book travel with any airline or hotel, then use your points to pay for it. This makes planning your trips a lot easier and less stressful.

Plus, the card works seamlessly with Bank of America’s online and mobile banking tools, so you can track your points, manage your account, and redeem rewards all in one convenient place.

Another great perk is that the card works with digital wallets. You can add it to Apple Pay, Google Pay, or Samsung Pay for contactless payments—making it easy to use both online and in stores.

What are the main advantages of the Travel Rewards Credit Card?

• Earn unlimited points on every purchase—no rotating categories or spending caps. Every dollar spent earns you 1.5 points, making it easy to rack up rewards quickly with a simple, straightforward program.
• No annual fee, so you can enjoy all the card’s benefits without paying extra each year. This makes it a great option for both frequent and occasional travelers who want to maximize value.
• No foreign transaction fees, which means you won’t pay extra when using your card abroad. This is especially helpful for international travelers looking to save money on purchases in other countries.
• Generous introductory bonus for new cardholders. If you meet the minimum spending requirement in the first few months, you’ll earn 25,000 bonus points you can redeem for travel expenses—giving you a head start on your next trip.
• Flexible redemption options: use your points for flights, hotels, vacation packages, and more. There are no blackout dates or restrictions, so you can book travel whenever it works best for you.

By choosing the Travel Rewards Credit Card, you get a reliable rewards program and access to modern banking features. It’s ideal for anyone who wants to earn travel rewards and values convenience and security. With this card, your everyday spending can turn into travel opportunities, helping your money go further.

Disadvantages

• Lacks luxury travel perks—no airport lounge access, travel credits, or advanced travel protections. If you’re looking for premium travel experiences, this card doesn’t offer those extras.
• Flat rewards rate of 1.5 points per dollar on all purchases, with no bonus categories for higher earnings. Other cards may let you earn more points on travel, dining, or groceries.
• Limited redemption options—points can only be used as a statement credit for travel and dining purchases. You can’t transfer points to airline or hotel partners, which may limit your ability to maximize value.
• The highest rewards rates are reserved for Bank of America Preferred Rewards members, which requires a significant balance with Bank of America or Merrill. Most users will only get the standard rate, which isn’t as competitive as some other cards.
• Minimal travel insurance and protections. If you want strong coverage for things like trip cancellations, lost luggage, or rental cars, you’ll need to consider other options.

Fees and commissions of the Travel Rewards Credit Card

The Bank of America Travel Rewards Credit Card stands out for its low fees and clear, upfront costs. There’s no annual fee, so you can keep the card year after year without worrying about extra charges. Plus, you won’t pay any foreign transaction fees, making it a smart pick for international travel.

If you’re a new cardholder, you’ll enjoy a 0% introductory APR on purchases for the first 15 billing cycles. After that, the regular variable APR will be between 17.99% and 27.99%, depending on your credit.

If you transfer a balance within the first 60 days, there’s a 3% balance transfer fee. Additionally, after 60 days, that fee goes up to 4% per transaction. Like most credit cards, there are fees for cash advances and late payments. However, there are no over-limit fees to worry about. Another plus: your points never expire as long as your account stays open.

Requirements and Eligibility Criteria

To be approved for the Bank of America Travel Rewards Credit Card, applicants must meet several key requirements set by the bank. Here’s what you need to know before applying:

1. Age and Residency: You must be at least 18 years old and have a valid U.S. address. U.S. citizenship or permanent residency is typically required.
2. Valid Social Security Number: A valid Social Security number or Individual Taxpayer Identification Number (ITIN) is necessary.
3. Credit Score: Bank of America generally looks for applicants with a good to excellent credit score, usually 670 or higher. A higher score increases your chances of approval and may help you qualify for better terms.
4. Stable Income: You’ll need to provide proof of a steady income that demonstrates your ability to manage monthly payments. This includes your annual income, employment status, and possibly other sources of income.
5. Debt-to-Income Ratio: The bank will review your existing debts compared to your income to ensure you can handle additional credit responsibly. A lower debt-to-income ratio is favorable.
6. U.S. Bank Account (Optional but Helpful): While not required, having an existing relationship with Bank of America, such as a checking or savings account, may improve your approval odds.

How to get a Bank of America Travel Rewards Credit Card?

Applying for the Bank of America Travel Rewards Credit Card is a straightforward process that can be completed online, by phone, or in person. Here’s a step-by-step guide to help you through the application:

1. Check Eligibility: Before applying, make sure you meet the basic requirements: you must be at least 18 years old, have a valid Social Security number, and possess a good to excellent credit score (typically 670 or higher).
2. Gather Required Information: Prepare your personal details, including your full name, address, date of birth, Social Security number, employment information, annual income, and housing costs. Having these details ready will speed up the process.
3. Visit the Bank of America website: Go to the official Bank of America Travel Rewards Credit Card page and click “Apply Now.” You can also apply by calling Bank of America or visiting a local branch.
4. Complete the Application Form: Fill out the online application with your personal and financial information. Double-check all entries for accuracy to avoid delays.
5. Review Terms and Submit: Carefully read the card’s terms and conditions, including interest rates and fees. Once you agree, submit your application.
6. Wait for Approval: Most applicants receive a decision within minutes. In some cases, additional review may be needed, and you’ll be notified by email or mail.
7. Receive and Activate Your Card: If approved, your new card will arrive by mail within 7–10 business days. Follow the included instructions to activate your card and start using it.

Conclusion

The Bank of America Travel Rewards Credit Card is a flexible, easy-to-use option for anyone who wants to earn rewards on their everyday spending. With no annual fee, no foreign transaction fees, and a simple points system, it’s a great fit for both frequent travelers and those who only travel occasionally.

Applying is straightforward, but you’ll need to meet certain requirements—like having a good credit score and a steady income—to get approved. If you want a dependable travel rewards card with lots of ways to redeem your points and minimal fees, this one is definitely worth a look.

Frequently Asked Questions

If you want more details or to apply, visit the official Bank of America website by clicking below!