Bank of America® Travel Rewards Credit Card
in Personal Credit Cards from Bank of America
UnaffiliatedBank of America® Travel Rewards Credit Card
in Personal Credit Cards from Bank of America
Cast your vote
Would you recommend Bank of America® Travel Rewards Credit Card to your friends?
| Community Rating | Mostly recommended |
| Balance Transfer APR (Variable APR) | 16.49% - 24.49% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 16.49% - 24.49% |
| Rewards Rates | Every Purchase |
| Number of Reviews | 5 |
Bank of America® Travel Rewards Credit Card Review
Bank of America® Travel Rewards Credit Card is a rewards credit card issued by Bank of America. If you're wondering whether Bank of America® Travel Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Earn 1.5 points for every dollar spent on everyday purchases. Terms and conditions apply. This is higher than the average reward rate (1 point per dollar spent) for everyday purchases.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Signup bonus. Offers a signup bonus of 25000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Bank of America® Travel Rewards Credit Card has a variable purchase APR that ranges from 16.49% up to 24.49%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Bank of America® Travel Rewards Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $10.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Accepts cosigners. Bank of America is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
Bank of America® Travel Rewards Credit Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
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Is there a Bank of America® Travel Rewards Credit Card cash back or rewards program?
Bank of America® Travel Rewards Credit Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 1.5% |
| Max rewards rate | 1.5% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 25000 |
| Signup Bonus Spend Requirement | $1000 |
| Signup Bonus Spend Period (months) | 3 months |
Does Bank of America® Travel Rewards Credit Card have a signup bonus?
Bank of America® Travel Rewards Credit Card doesn't offer a cash signup bonus. However, it does include a 25000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.Does Bank of America® Travel Rewards Credit Card offer an annual loyalty bonus?
Bank of America® Travel Rewards Credit Card doesn't offer a cash loyalty bonus.What are the Bank of America® Travel Rewards Credit Card benefits?
Bank of America® Travel Rewards Credit Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- No blackout dates when redeeming miles
- Travel Assistance
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Bank of America® Travel Rewards Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.Bank of America® Travel Rewards Credit Card has a variable purchase APR that ranges from 16.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 24.49%. It also has a variable cash advance APR that ranges from 19.49% up to 27.49%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Bank of America® Travel Rewards Credit Card have an introductory APR offer on balance transfers?
No, Bank of America® Travel Rewards Credit Card does not come with an introductory APR offer for balance transfers.Does Bank of America® Travel Rewards Credit Card have an introductory APR offer on new purchases??
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 12 |
What are the Bank of America® Travel Rewards Credit Card fees?
The following fees apply to Bank of America® Travel Rewards Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $29 |
| Late Payment Fee | up to $40 |
Does Bank of America® Travel Rewards Credit Card have a foreign transaction fee?
Bank of America® Travel Rewards Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.Does Bank of America® Travel Rewards Credit Card report your account activity to credit bureaus?
Bank of America® Travel Rewards Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for Bank of America® Travel Rewards Credit Card
- Visit the Bank of America® Travel Rewards Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View Bank of America® Travel Rewards Credit Card's published terms & conditions.
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Contact
- Headquarters
-
100 North Tryon Street
#170
Charlotte, NC 28255 - (800) 432-1000
- Visit Site
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Every Purchase (Points) | Earn unlimited 1.5x points for every $1 you spend on all purchases everywhere |
Bank of America® Travel Rewards Credit Card Community Reviews
Would you recommend Bank of America® Travel Rewards Credit Card to your friends?
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Rating not yet determined
4 total votes
Balance Transfer APR
15.49% - 25.49%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$0
Purchase APR
15.49% - 25.49%
(Variable APR)
- Drug Store Purchases
- 1% on Every Purchase
- 1% - 3% on Gas
- 1% - 2% on Groceries
- Home Improvement Purchases
- Restaurants
- 1% - 3% on Retail
- 1% - 3% on Travel
- Warehouse Clubs Purchases
Balance Transfer APR
14.49% - 24.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
14.49% - 24.49%
(Variable APR)
N/A
Balance Transfer APR
17.49% - 24.49%
(Variable APR)
Credit Score Range
690 - 850
Annual Fee
$95
Purchase APR
17.49% - 24.49%
(Variable APR)
- Every Purchase
- Restaurants
Balance Transfer APR
14.49% - 24.49%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
14.49% - 24.49%
(Variable APR)
N/A
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$75
Purchase APR
17.49% - 25.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
(Variable APR)
- 1.5% on Every Purchase
Balance Transfer APR
15.49% - 25.49%
(Variable APR)
Credit Score Range
600 - 850
Annual Fee
$0
Purchase APR
15.49% - 25.49%
(Variable APR)
- Drug Store Purchases
- 1% on Every Purchase
- 1% - 3% on Gas
- 2% - 3% on Groceries
- Home Improvement Purchases
- 1% - 3% on Restaurants
- Warehouse Clubs Purchases
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$59
Purchase APR
17.49% - 25.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$79
Purchase APR
16.49% - 24.49%
(Variable APR)
- Every Purchase
- Travel
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$89
Purchase APR
17.49% - 25.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
16.49% - 24.49%
(Fixed APR)
Credit Score Range
700 - 850
Annual Fee
$75
Purchase APR
16.49% - 24.49%
(Fixed APR)
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
660 - 850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
660 - 850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
(Variable APR)
- Every Purchase
- Travel
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$90
Purchase APR
17.49% - 25.49%
(Variable APR)
- Airfare
- Every Purchase
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$99
Purchase APR
17.49% - 25.49%
(Variable APR)
Balance Transfer APR
16.49% - 24.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
(Variable APR)
- Every Purchase
- Travel
Balance Transfer APR
17.49% - 25.49%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$59
Purchase APR
17.49% - 25.49%
(Variable APR)
Balance Transfer APR
24.49%
Credit Score Range
300 - 850
Annual Fee
$0
Purchase APR
24.49%
N/A
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