Best Travel Credit Card? Meet Bank of America Travel Rewards

If you’re a frequent traveller looking for a credit card that rewards you on every purchase, the Bank of America Travel Rewards Credit Card might be the perfect fit. With no annual fee, unlimited 1.5 points per dollar spent on all purchases, and no foreign transaction fees, this card is designed to make travel more affordable and rewarding.

Whether you’re booking flights, hotels, or dining out, the flexibility of redeeming points for travel-related expenses without blackout dates sets this card apart. But is it truly the best travel credit card out there? Let’s into its features, benefits, costs, and how you can apply.

Benefits and Perks of the Bank of America Travel Rewards Credit Card

Unlimited Rewards with No Expiration

• Earn 1.5 points per dollar spent on every purchase with no category restrictions.
• Points never expire, giving you full flexibility to redeem when it’s convenient.
• Redeem points for statement credits on flights, hotels, vacation packages, rental cars, cruises, and even restaurant purchases.

Welcome Bonus Worth $250

• Receive 25,000 bonus points after spending $1,000 in the first 90 days, which can be redeemed for a $250 statement credit toward travel or dining expenses.

No Annual Fee & No Foreign Transaction Fees

• Unlike many travel credit cards, this one has zero annual fees, making it a great option for budget-conscious travelers.
• Shop abroad without worrying about additional fees on foreign transactions.

Preferred Rewards Bonus

• If you’re a Bank of America Preferred Rewards member, you can boost your points earnings by 25% to 75%, making every dollar spent even more valuable.

Extra Security and Digital Features

• $0 Liability Guarantee: Protects you from unauthorized transactions.
• Contactless Payments: Use tap-to-pay for quick and secure transactions.
• Balance Connect® for Overdraft Protection: Link your credit card to a Bank of America checking account to prevent overdrafts.
• FICO® Score Access: Check your credit score for free via Online and Mobile Banking.

Is This Card Right for You? Key Considerations Before Applying

While this card has a lot to offer, there are a few aspects to keep in mind:

Credit Score Requirements

• The Bank of America® Travel Rewards Credit Card generally requires a good to excellent credit score (700+ FICO) for approval.

Lower Points Rate Compared to Premium Travel Cards

• Some premium travel cards offer 2x or 3x points per dollar spent on travel and dining categories, so if you spend heavily in these areas, another card might be a better fit.

Redemption Limited to Travel and Dining

• While you can redeem points for travel and dining purchases, there’s no option to transfer points to airline or hotel loyalty programs.

Understanding Fees and Interest Rates Before You Apply

One of the best aspects of this card is its lack of annual and foreign transaction fees, but you should still be aware of other potential costs:

• Annual Fee: $0
• Foreign Transaction Fees: $0
• Intro APR: 0% for the first 15 billing cycles on purchases and balance transfers (if made within 60 days of account opening)
• Regular APR: 18.24% – 28.24% variable, based on creditworthiness
• Intro Balance Transfer Fee: 3% of the amount transferred (for the first 60 days)
• Standard Balance Transfer Fee: 4% of the transfer amount
• Cash Advance Fee: 3% of the transaction amount ($10 minimum)
• Late Payment Fee: Up to $40

Step-by-Step Guide to Applying for the Bank of America Travel Rewards Credit Card

Applying for this card is quick and convenient, with multiple ways to submit your application.

1. Apply Online (Fastest Method)

• Visit the Bank of America Travel Rewards page.

• Click Apply Now to start your application.

• Fill out the required fields with your personal information, including name, address, Social Security number, and income details.
• Review your application and submit it.
• You may receive an instant approval decision within 30 seconds, or your application may require further review.

2. Apply via Mobile App

• Download and open the Bank of America Mobile Banking App.
• Navigate to the credit card section and select Travel Rewards Credit Card.
• Follow the instructions to complete and submit your application securely.

3. Apply In-Branch (Speak with a Representative)

• Visit a Bank of America branch and meet with a representative.
• They will assist you with the application process and answer any questions about the card’s features.

4. Apply Over the Phone

• Call Bank of America Credit Card Support at 800-932-2775 to apply over the phone.
• Have your personal and financial information ready to speed up the process.

Bank of America Customer Support: Need Help? Here’s How to Reach Them

For assistance regarding your application or card usage, you can reach out to Bank of America through various channels:

• Customer Service (General Inquiries): 1-800-432-1000
• Credit Card Support: 1-800-732-9194
• Lost or Stolen Card: 1-866-422-8089
• Online Chat: Available on the Bank of America website
• In-Branch Support: Visit your nearest Bank of America branch

FAQs: Everything You Need to Know About This Travel Card

1. Can I use my Bank of America Travel Rewards points for cash back?

No, points are primarily redeemable for travel and dining expenses. Unlike some cards, there is no direct cash-back option.

2. Is this a good card for international travelers?

Yes! With no foreign transaction fees and worldwide acceptance, this is a great option for international travelers.

3. Does the card offer travel insurance?

The card provides travel and emergency assistance services, but it does not include trip cancellation insurance or rental car coverage like some premium travel cards.

4. How long does it take to get approved?

Most applicants receive an instant decision online, but some cases may require additional review, which could take a few business days.

5. Can I add my Bank of America Travel Rewards card to a digital wallet?

Yes! This card supports Apple Pay®, Google Pay™, and Samsung Pay for seamless contactless transactions.

Is the Bank of America Travel Rewards Credit Card Right for You?

If you’re looking for a no-annual-fee travel credit card with flexible redemption options and solid rewards on every purchase, the Bank of America® Travel Rewards Credit Card is a strong contender. While it may not have premium perks like lounge access or airline partnerships, it makes up for it with simplicity, accessibility, and valuable everyday rewards.

For frequent travelers who want an easy-to-use rewards card, or casual spenders who prefer a travel-focused card without the hassle of high fees, this is a fantastic option.

Before applying, make sure it aligns with your travel and spending habits. And if you’re a Bank of America Preferred Rewards member, the additional rewards boost makes this card even more compelling!