Bank of America® Travel Rewards Credit Card

Fees:

  • No annual fee.
  • No foreign transaction fees.
  • Introductory balance transfer fee: 3% of each transaction within the first 60 days; afterward, 4% of each transaction.

APR:

  • 0% introductory APR for the first 15 billing cycles on purchases and balance transfers made within the first 60 days.
  • Post-introductory APR: 18.24% – 28.24% (variable), based on creditworthiness.

Offer:

  • Earn 25,000 online bonus points after spending $1,000 in the first 90 days, redeemable for a $250 statement credit toward travel and dining purchases.
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  • Earn unlimited 1.5 points for every $1 spent on all purchases, everywhere, every time, with no expiration on points.

  • No blackout dates or restrictions when redeeming points for travel and dining, allowing for flexible redemption options.

  • Bank of America Preferred Rewards® members earn 25%-75% more points, boosting the potential rewards rate to 1.87 to 2.62 points per $1 spent.
Features
  • Unlimited 1.5 points per $1 spent on all purchases.
  • No annual fee or foreign transaction fees.
  • Flexible redemption options for travel and dining purchases, including flights, hotels, vacation rentals, and restaurants.
  • Introductory 0% APR for 15 billing cycles on purchases and balance transfers made within 60 days.
  • Preferred Rewards® program for earning 25%-75% more points.
  • No blackout dates or restrictions when redeeming points.
Details

The Bank of America® Travel Rewards Credit Card is ideal for travelers seeking simple and flexible rewards. With no annual fee or foreign transaction fees, it’s a cost-effective option for earning unlimited 1.5 points per $1 on all purchases. New cardholders can benefit from 25,000 bonus points (redeemable for $250 in travel and dining credits) after meeting the initial spending requirement. A 0% intro APR for 15 billing cycles on purchases and balance transfers adds additional value. Members of the Bank of America Preferred Rewards® program can boost earnings significantly, making this card suitable for those who prioritize flexibility and low-cost travel rewards.

Pros
  • No annual fee.
  • Unlimited 1.5 points per $1 spent with no expiration.
  • No foreign transaction fees, ideal for international travelers.
  • Generous sign-up bonus (25,000 points worth $250 in travel credits).
  • Preferred Rewards® members earn 25%-75% more points.
  • Flexible redemption options with no blackout dates.
Cons
  • Relatively modest base rewards rate compared to category-specific cards.
  • Balance transfer fees apply (3% introductory, 4% afterward).
  • No higher rewards rate for travel-specific purchases unless using Preferred Rewards® benefits.
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Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.

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