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 15.49% APR to 23.49% 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 $37 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.

  • Card Type
    • Travel
    • Rewards
  • Customer Type
  • Card Network
  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Returned Payment Fee
  • No Annual Fee
  • No Foreign Transaction Fee
  • Fraud Liability
  • Free FICO Score
  • Points
  • Signup Bonus
  • Penalty APR
  • Purchases APR
    15.49% - 23.49%
  • Transfer Fee
    3% ($10 minimum)
  • Balance Transfer APR
    15.49% - 23.49%
  • 0% Introductory APR
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0 votes

Lots of really great perks with this travel rewards card! 1.5% back on purchases and travel anywhere, which makes it really versatile and there is no annual fee or foreign transaction fees! There's no limit to the total number of points you can earn, and they don't expire! This is among the top of travel cards.

0 votes

I am really glad that this card has the chip technology. I had my card stolen the last time I went overseas and it didn't have the chip and it was a big mess. B of A covered most of the debacle, but I did end up with a few bucks on me and the "pain and suffering" was pretty bad.

0 votes

This card has many awesome deals, including the fact that if you spend $500 in the first 90 days, you actually get one-fifth of that in the form of a $100 statement credit to be spent on travel. The no foreign transaction fee and no annual fee are also wonderful.

0 votes

Nearly automatic approval for this card resulted in a card with a $4500 credit limit. Good thing, since I'm planning on using it on my summer long trip to Europe. The application process was really simple, and the acceptance came quickly. I'm enjoying all of the perks and look forward to really sampling them when I leave in a couple of weeks.

0 votes

Like many BofA products, it pays to also have checking and/or savings accounts. With this card, you get an additional 10% bonus points on anything if you have a savings or checking account with them. I opened a checking account to get the benefit.

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