Bank of America® Travel Rewards credit card
Basic Information
Program ID: bank-of-america-travel-rewards-credit-card
Issuer: Bank of America
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:54
Last Scraped: 01/15/2026 05:51
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater (maximum of $99) |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically credited to your account within 8-12 weeks after you have met the spending requirement. However, they often appear much sooner, sometimes within 1-2 billing cycles.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.50%
Bonus Reward Rate: 2.63%
Bonus Categories: All purchases (up to 2.625x for Preferred Rewards Platinum Honors/Diamond members)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Bank of America Travel Rewards credit card typically requires good to excellent credit (FICO score 670+), age 18 or older, and a valid SSN or ITIN. The sign-up bonus, usually 25,000 online bonus points after making $1,000 in purchases within the first 90 days of account opening, is generally available only once every 24 months per product. Bank of America enforces its '2/3/4 Rule' for new credit card applications: a maximum of 2 new cards in a 2-month period, 3 new cards in a 12-month period, and 4 new cards in a 24-month period across all Bank of America credit card products.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, defaulting on payments, sudden large transactions inconsistent with spending patterns, high cumulative credit limit across multiple BoA cards, suspected fraud, or violation of terms and conditions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Simple, no annual fee, no foreign transaction fees, easy redemption for travel, good for beginners or those seeking straightforward rewards.
Top Negative Feedback:
Lower rewards rate (1.5x) compared to other travel cards, lacks premium travel perks, not ideal for high spenders or those wanting complex transfer partners.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One VentureOne Rewards Credit Card
- Wells Fargo Autograph Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0