Bank of America® Travel Rewards credit card
This card fits travelers who want points without tracking categories or paying a fee. Every purchase earns unlimited 1.5 points per $1, and travel booked through the Bank of America Travel Center earns 3 points per $1. There is no annual fee and no foreign transaction fee. The trade-off is a flat rate: heavy spenders in dining or travel can earn faster elsewhere.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 1.5 points per $1 with no caps and no category tracking
- 3 points per $1 on Travel Center bookings
- 25,000-point online offer worth $250 in travel
- 0% intro APR for 15 billing cycles on purchases and qualifying transfers
- No annual fee and no foreign transaction fees
- Points redeem as a statement credit against travel and dining purchases
- Preferred Rewards boost of 25% to 75% for eligible Bank of America customers
- Annual fee: $0
- Regular purchase APR: 17.49% - 27.49% Variable
- Intro purchase APR: 0% for the first 15 billing cycles
- Intro balance transfer APR: 0% for 15 billing cycles on transfers made within 60 days of opening
- Balance transfer fee: 3% intro for the first 60 days, then 5%
- Cash advance APR: 20.49% - 29.24% Variable depending on advance type, fee 4% to 5%
- Late payment fee: Up to $41
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change.
- You want travel points without paying an annual fee or memorizing bonus categories.
- You travel abroad and want a card with no foreign transaction fees.
- Your large purchase or balance transfer needs a 0% intro window of 15 billing cycles.
- You bank with Bank of America and can raise every earn rate through Preferred Rewards.
- You should skip it if most of your spend is dining or travel, where a category card out-earns a flat 1.5 points.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Bank of America® Travel Rewards credit card Review
The Travel Rewards card is Bank of America's entry point for travel earning. It asks nothing in fees and gives one flat rate on everything. This review covers how the earning works, how redemption erases travel charges, and who should choose a category card instead.
How You Earn
Every purchase earns the same flat rate, and Travel Center bookings earn double that. There are no caps and no enrollment.
- Unlimited 1.5 points per $1 on all purchases
- 3 points per $1 on travel booked through the Bank of America Travel Center
- Preferred Rewards members earn 25% to 75% more on every purchase
| Category | Earn rate |
|---|---|
| Travel booked through the Bank of America Travel Center | 3 points per $1 |
| All other purchases | 1.5 points per $1 |
How You Redeem
Points work best as a statement credit that erases travel and dining charges. The value is a straight 1 cent per point.
- Statement credit against flights, hotels, vacation packages, cruises, rental cars and baggage fees
- Statement credit against dining purchases
- Points never expire while the account stays open
Benefits and Protections
The card keeps its benefits list short and cost-free. The intro APR and fee structure do most of the work.
- 0% intro APR for 15 billing cycles on purchases and 60-day balance transfers
- No annual fee and no foreign transaction fees
- Visa network protections including zero liability for unauthorized charges
Who This Card Is For
This is a first travel card and a keep-forever card for people who value simplicity. It suits Bank of America customers most of all, because Preferred Rewards can push the flat rate up to 2.62 points per $1.
- Travelers who want one rate on everything
- Bank of America and Merrill customers with Preferred Rewards status
- Anyone avoiding annual fees while keeping travel redemptions
Comparison
| Feature | Bank of America® Travel Rewards | U.S. Bank Altitude® Go | Wells Fargo Autograph® |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | 25,000 points ($1,000 in 90 days) | 20,000 points ($1,000 in 90 days) | 20,000 points ($1,000 in 3 months) |
| Rewards Rate | 1.5 points per $1 on everything | 4x dining (capped), 2x grocery and gas | 3x dining, travel, gas, transit |
| Intro APR | 0% for 15 billing cycles | 0% for 15 billing cycles | See issuer page |
| Foreign Transaction Fee | None | See issuer page | None |
| Best For | One-rate simplicity | Dining on a budget | Everyday categories |
Issuer Comparison
| Feature | Travel Rewards | Premium Rewards® | Unlimited Cash Rewards |
|---|---|---|---|
| Annual Fee | $0 | $95 | $0 |
| Welcome Offer | 25,000 points, a $250 value | 60,000 points, a $600 value | $250 online cash bonus |
| Rewards Rate | 1.5 points per $1 | 2x travel and dining, 1.5x other | 1.5% cash back |
| Key Credits | None | See issuer page | None |
| Best For | No-fee travel points | Frequent travelers | Cash back simplicity |
Approval results for this card
64 results: 61 approved, 3 denied. Approval rate 91% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Experian | $150k and above | WI | Jan 2025 |
| Approved | 670 to 739 | Not sure | - | - | Nov 2024 |
| Approved | 740 to 799 | Not sure | $150k and above | NY | Jul 2024 |
See all 64 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
