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BankAmericard Travel Rewards Credit Card

in Personal Credit Cards

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BankAmericard Travel Rewards Credit Card

Unaffiliated

in Personal Credit Cards

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Overview

Who is BankAmericard Travel Rewards Credit Card Designed For?

The BankAmericard Travel Rewards Credit Card is designed for people with good credit who want to earn points they can redeem for travel purchases without paying an annual fee. Its generous 0% introductory rate also make it a good card for those who are planning to make big-ticket purchases.

What are the Rates for BankAmericard Travel Rewards Credit Card?

BankAmericard Travel Rewards Credit Card's rates for purchases and balance transfers range from 16.49% APR to 24.49% APR, depending on cardholders' credit rating. As with most travel rewards cards, the rates on this card are high. However, new purchases do have an introductory rate of 0% APR for the first 12 months. Note that the 0% APR intro rate is only for new purchases, not balance transfers.

What Are the Fees for BankAmericard Travel Rewards Credit Card?

The BankAmericard Travel Rewards Credit Card doesn't have an annual fee or a foreign transaction fee. It does charge $10 or 5% of the amount, whichever is greater, for purchases of wire transfers from a non-financial institution and for cash advances. It also has a $10 or 3% fee on balance transfers, a $38 fee for late payments, and a $27 fee for returned payments.

What Is the BankAmericard Travel Rewards Credit Card's Rewards Program Like?

BankAmericard Travel Rewards Credit Card cardholders earn 1.5 points for every $1 they spend. That's it. No categories, limits or other gimmicks to worry about. Not bad for a credit card with no annual fee. Redeeming your hard-earned points is easy. Just use your card to pay for travel and then redeem your points for a statement credit to cover all or part of your travel purchases. This avoids the hassle of having to use a particular airline or travel agent or having to contend with blackout dates and restrictions.

What about the BankAmericard Travel Rewards Credit Card's Signup Bonus?

BankAmericard Travel Rewards Credit Card offers a 20,000 signup bonus to cardholders who spend $1,000 in the first three months. Each point is worth one cent, so 20,000 can be redeemed for a $200 statement credit on travel purchases.

Does the BankAmericard Travel Rewards Credit Card Have Any Other Benefits?

The BankAmericard Travel Rewards Credit Card offers customers an additional 10% points bonus on every purchase if they also have a checking or savings account with Bank of America.

The card provides a $0 liability guarantee and free FICO scores monthly.

How Is BankAmericard Travel Rewards Credit Card Better Than Other Credit Cards?

The BankAmericard Travel Rewards Credit Card is a decent travel rewards card that doesn't require excellent credit and doesn't have an annual fee. It's a good credit card for people who are looking for significant travel savings but don't want the hassle of revolving categories and complicated rewards programs. It is particularly attractive for customers who also have a bank account with Bank of America for the 10% customer points bonus they receive on all purchases.

Although the rates on this card are high, the 12-month 0% APR intro rate on purchases make this a great card for people who want to earn points on large purchases and can pay off the balance within a year.

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Availability

Available in 50 States and Washington, DC
  • 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

Grace Period / Deferred Interest (Months)
25
Annual Fee
$0
No Annual Fee
Foreign Currency Transaction Fee
0%
No Foreign Transaction Fee
Late Payment Penalty
$38
Returned Payment Fee
$27
Minimum Interest Charge
$1.5
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Credit Score Range
700 - 850
850 300 700
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Co-signing Allowed
Customer Type
Personal
Card Type
  • Rewards
  • Travel
  • Zero Percent
Card Network
  • Visa
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • ID Theft Protection
  • Travel Assistance
Free FICO Score
Fraud Liability
Rewards Categories
  • Every Purchase
No Blackout Dates
Every Purchase
1.5x
No Reward Expiration Period
Signup Bonus (points)
20,000
Purchases APR
16.49% - 24.49%
0% 29%
Balance Computation
average daily balance (including new purchases)
Penalty APR
29.99%
Introductory Rate
0%
Balance Transfer APR
16.49% - 24.49%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$10
Transfer Fee
3%

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