Bank of America® Travel Rewards credit card
Discover the power of the Bank of America® Travel Rewards credit card – a standout among our favorite credit cards.
What's the secret behind its popularity? You'll pay 0% interest until 2025 on both purchases and balance transfers -- that's 15 billing cycles of a 0% intro APR. On top of that, you’ll earn a 25,000 points bonus offer (worth 25,000 for travel and dining) after spending just $1,000 within 90 days of account opening. The addition of unlimited 1.5 points per $1 spent on all purchases is why our experts consider it one of the best rewards cards available today.
Here's why this card offers exceptional value:
- Enjoy 0% intro APR for 15 billing cycles on purchases and balance transfers (transfers must be made within 60 days of account opening). After that, the go-to rate of 19.24% - 29.24% (Variable) applies.
- Earn a 25,000 points bonus offer (worth 25,000 for travel and dining) after spending just $1,000 within 90 days of account opening.
- Earn unlimited 1.5 points per $1 spent on all purchases. Whether you're shopping, dining or exploring, your points will effortlessly accumulate.
- No foreign transaction fee & no annual fee
- APPLY NOW to lock in these benefits today if approved.
Heads up: The 25,000 bonus offer could vanish without notice. If this card has caught your eye, seize the opportunity and use this link to apply today.
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website.
Bank of America® Travel Rewards credit card
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website.
4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website.
Intro APR 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% for 60 days from account opening, then 4% fee applies to all balance transfers.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
19.24% - 29.24% (Variable)
Rewards
1.5 points per dollar
Annual Fee
$0
Welcome Offer 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
25,000 points
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 19.24% - 29.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Top 6 reasons to apply today for a Bank of America® Travel Rewards credit card
25,000 points bonus offer: A sign-up bonus provides a serious head start in the points total. This one is worth 25,000 when redeemed as a statement credit for travel and dining purchases. The minimum spend is low, too — the bonus kicks in after you make at least $1,000 in qualifying purchases within 90 days of opening the account. It's worth noting that this is one of the biggest bonuses for a travel card with no annual fee.
Unlimited 1.5 points per dollar: The card keeps it simple with a what-you-see-is-what-you-get 1.5 points per $1 spent on all purchases. There are no spending caps and earning is unlimited.
0% intro APR: Enjoy 0% introductory APR for 15 billing cycles on purchases, and on any balance transfers made in the first 60 days. There is a balance transfer fee of 3% for 60 days from account opening, then 4%. However, that's a low balance transfer fee compared to many other cards.
$0 annual fee: This no annual fee credit card still offers many of the perks and features of rival cards that do charge a yearly fee.
No foreign transaction fee: Foreign purchases aren't charged the de facto standard 3% fee that many other credit cards levy. If you plan to travel abroad with this card, this is a helpful perk that can save you money.
Up to 75% bonus for Preferred Rewards members: People loyal to Bank of America's products can earn 25% to 75% point bonuses through the Preferred Rewards program. The Preferred Rewards card bonus tiers are as follows:
- Gold Preferred Rewards: Earn a 25% points bonus.
- Platinum Preferred Rewards: Earn a 50% bonus.
- Platinum Honors Preferred Rewards: Earn a 75% bonus.
- Preferred Rewards program members can boost the value of their credit card rewards.
If you're eligible to earn the maximum 75% bonus, you would earn 2.62 points per $1 instead of 1.5 points per $1 with this credit card.
This credit card could be right for you if:
The Bank of America® Travel Rewards credit card is best for…
- Occasional travelers looking for a good travel credit card with no annual fee
- Those looking for a big welcome bonus
- Existing Bank of America customers, especially if they are enrolled in one of the Preferred Rewards programs
You won't find a no annual fee travel card that offers such a lucrative earnings rate for the highest Preferred Rewards tiers.
Suggested credit score
Bank of America says that good to excellent credit is required to obtain this card, so you should have a FICO® Score of at least 670 before applying. That said, approval is never guaranteed no matter your score, and some consumers with lower scores may still be able to qualify for this card.
There's a right way to swipe
Credit cards with rewards offers are excellent, but remember, they are a tool to help you get the most out of your spending. The Ascent motto to follow:
- Pay off your card in full each month.
- Choose a card whose features are a good fit for you.
- Don't spend more than you already would.
Follow this and you'll be making your money work overtime for you. Live richly, not risky.
Alternatives to consider
Blue Cash Preferred® Card from American Express
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website.
Terms apply
4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website.
Terms apply
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
Regular APR
19.24%-29.99% Variable
Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
1%-6% Cash Back
Annual Fee
$0 intro annual fee for the first year, then $95.
Welcome Offer Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
Capital One VentureOne Rewards Credit Card
Apply Now for Capital One VentureOne Rewards Credit Card
On Capital One's Secure Website.
4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Capital One VentureOne Rewards Credit Card
On Capital One's Secure Website.
Intro APR
Purchases: 0% intro on purchases for 15 months
Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)
Regular APR
19.99% - 29.99% (Variable)
Rewards Earn unlimited 1.25X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
1.25X-5X miles
Annual Fee
$0
Welcome Offer 20,000 Miles once you spend $500 on purchases within 3 months from account opening
20,000 Miles
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Our Credit Cards Experts
The Ascent brings financial expertise, trusted advice, and unbiased analysis to the world of daily personal finance decisions. Our mission is to help you live more richly.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
American Express is an advertising partner of The Ascent, a Motley Fool company. Bank of America is an advertising partner of The Ascent, a Motley Fool company. Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool has positions in and recommends Amazon, Bank of America, JPMorgan Chase, and Target. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.