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Who is BankAmericard Travel Rewards Designed For?

The BankAmericard Travel Rewards is a credit card 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 Interest Rates for BankAmericard Travel Rewards?

BankAmericard Travel Rewards' interest rates for purchases and balance transfers range from 14.99% to 22.99%, depending on cardholders' credit rating. As with most travel rewards cards the interest 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% intro rate is only for new purchases, not balance transfers.

What Are the Fees for BankAmericard Travel Rewards Credit Card?

The BankAmericard Travel Rewards 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 $35 fee for late payments, and a $25 fee for returned payments.

What Is BankAmericard Travel Rewards' Rewards Program Like?

BankAmericard Travel Rewards 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 BankAmericard Travel Rewards' Signup Bonus?

BankAmericard Travel Rewards offers a 10,000 signup bonus to cardholders who spend $500 in the first three months. Each point is worth one cent, so 10,000 can be redeemed for a $100 statement credit on travel purchases.

Does BankAmericard Travel Rewards Have Any Other Benefits?

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

Cardholders who are approved for the Visa Signature card also receive 24/7 concierge service, luxury hotel benefits and travel protections, such as lost luggage reimbursement, rental collision damage waiver benefit and travel emergency assistance.

How Is BankAmericard Travel Rewards Better Than Other Credit Cards?

The BankAmericard Travel Rewards 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 interest rates on this card are high, the 12-month 0% 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 Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Visa
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $2
  • Returned Payment Fee
    $27
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Penalty APR
    29.99%
  • Purchases APR
    15.24% - 23.24%
  • Transfer Fee
    3% or $10
  • Balance Transfer APR
    15.24% - 23.24%
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0
js-table-filter ccard-type-222
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js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
13.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1948

  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • No Annual Fee
  • 0% Introductory APR
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
Intro APR period (months) 12
083
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0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
12.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1948

  • Cashback
  • No Annual Fee
  • 0% Introductory APR
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.24%
Balance Transfer APR 12.24%
Intro APR period (months) 12
083
js-table-filter bizname-bankamericard-visa
0
js-table-filter ccard-type-139
js-table-filter ccard-type-137
11.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1948

  • No Annual Fee
  • 0% Introductory APR
Card Type Low APR
Card Type Balance Transfer
Purchases APR 11.24%
Balance Transfer APR 11.24%
Intro APR period (months) 18
065
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js-table-filter airlines-140
0
js-table-filter ccard-type-223
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
15.24
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1948

  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
  • No Foreign Transaction Fee
Card Type Travel
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24%
068
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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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