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  Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

in Personal Credit Cards from Bank of America

Unaffiliated

Bank of America® Travel Rewards Credit Card

Unaffiliated

in Personal Credit Cards from Bank of America

SuperMoney Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 14.99% - 22.99%
Balance Transfer APR  (Variable APR) 14.99% - 22.99%
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 5

Bank of America® Travel Rewards Credit Card Review

This is a rewards credit card issued by Bank of America. If you're wondering whether Bank of America Travel Rewards card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 14.99% up to 22.99%.
  • 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry 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, identity theft protection, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Bank of America Travel Rewards card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Bank of America® Travel Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Rewards bonus rate of only 1.5% on most everyday purchases. Terms apply*.
  • Charges a 3% balance transfer fee.
Bank of America Travel Rewards card FAQ

Does Bank of America Travel Rewards card have a cash back or rewards program?

Bank of America Travel Rewards card is a travel rewards card.

Bank of America Travel Rewards card Rewards
Minimum rewards rate 1.5x
Max rewards rate 1.5x
Annual rewards limit 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 card have a signup bonus?

This 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 card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Bank of America Travel Rewards card benefits?

It 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
  • Reports to major credit bureaus

What are the relevant APRs for Bank of America Travel Rewards card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 22.99%. It also has a variable cash advance APR that ranges from 17.99% up to 25.99%. 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 card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Bank of America Travel Rewards card have an intro APR offer on new purchases?

Bank of America® Travel Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Bank of America Travel Rewards card?

The following fees apply:

Bank of America Travel Rewards card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $29
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Bank of America Travel Rewards card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Bank of America Travel Rewards card?

The Bank of America Travel Rewards card customer service number is (800) 932-2775.

What is the support contact email for Bank of America Travel Rewards card?

The support contact email for Bank of America Travel Rewards card is customerservicealert@bankofamerica.com.

How do people rate the customer service and user experience of Bank of America Travel Rewards card?

Overall, Bank of America Travel Rewards card is mostly recommended based on community reviews that rate customer service and user experience.

Does Bank of America® Travel Rewards Credit Card report your account activity to credit bureaus?

Yes, 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 may help improve your credit.

How to apply for Bank of America Travel Rewards card

  • Visit the Bank of America Travel Rewards 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 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Travel Assistance
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 1.5x Points on Every Purchase
Signup Bonus (points) 25,000
Cash Advance APR (Variable APR) 17.99% - 25.99%
Balance Computation average daily balance (including new purchases).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 14.99% - 22.99%
Balance Transfer APR (Variable APR) 14.99% - 22.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
  • Zero Percent
Card Network Visa

Bank of America® Travel Rewards Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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