11
Benefits2
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: bank-of-america-travel-rewards-credit-card
Issuer: Bank of America
Card Name: Bank of America® Travel Rewards credit card
Card Type: Credit
Network: Visa
Card Tier: Standard
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Travel (Bank of America Travel Center) | 3x | Points | Earn points on travel booked through the Bank of America Travel Center. | No Cap | |
| All Purchases | 1.5x | Points | Earn unlimited points on all eligible purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1.5x
Bonus Rate: 2.63x
Categories: 1.5x points on all purchases. Earn up to 2.625x points on all purchases for Bank of America Preferred Rewards Platinum Honors/Diamond members.
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None
Redemption Penalties: Points redeemed for cash back or gift cards are valued at 0.6 cents per point.
Benefits & Protections (Detailed) 11 Total
PENDINGAccount Management 3
Account Alerts
Stay on top of your spending with customizable account alerts.
Mobile Banking Access
Manage your account on the go with the Bank of America Mobile Banking app.
Paperless Statements
Opt for paperless statements for convenient and eco-friendly account management.
Discounts & Offers 1
BankAmeriDeals®
Cash back offersGet cash back on everyday purchases at places you shop, dine and travel. Simply add the deals you want to your eligible card and use that card for your purchases.
Fees 2
No Annual Fee
$0There is no annual fee for this credit card.
No Foreign Transaction Fees
$0Avoid foreign transaction fees when making purchases outside the United States.
Financial Tools 1
Free FICO® Score Access
FreeAccess your FICO® Score for free within your Mobile Banking app or online.
Payment Features 1
Digital Wallet Compatibility
Easily add your card to your digital wallet for convenient and secure payments.
Rewards 1
Unlimited Points Earning
1.5 points per $1Earn an unlimited 1.5 points for every $1 spent on all purchases.
Rewards Redemption 1
Flexible Travel and Dining Redemptions
Redeem points for a statement credit to offset travel and dining purchases.
Security 1
Fraud Protection
$0 liabilityGet fraud protection with $0 liability for fraudulent transactions.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING25,000
Points/MilesRequirement: Spend $1,000 in 90 days
Timing: Bonus points are typically awarded within 8-12 weeks after you have met the spending requirement. They often appear on your statement within 1-2 billing cycles after the requirement is fulfilled.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $1.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, Bank of America is projected to maintain its established application rules. Eligibility for the Bank of America Travel Rewards credit card typically requires a good to excellent credit score (generally FICO 670+), being 18 years or older, and a US resident. New cardholders are generally eligible for the welcome bonus; however, applicants are typically not eligible if they currently have the card or have received a welcome bonus for this specific card product within the last 24 months. Bank of America also enforces its '2/3/4 Rule' for new credit card applications: applicants cannot be approved for more than 2 Bank of America credit cards in the past 2 months, more than 3 cards in the past 12 months, or more than 4 cards in the past 24 months. This rule applies across all Bank of America credit card products.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: The primary 'cliff effect' for Bank of America relates to its 2/3/4 application rule, limiting new card approvals within specific timeframes. While the Travel Rewards card earns a flat rate, other Bank of America cards (like the Customized Cash Rewards or Unlimited Cash Rewards) offer significant bonus multipliers through the Preferred Rewards program, which requires substantial assets with Bank of America. The Travel Rewards card itself does not directly benefit from Preferred Rewards multipliers on its earning rate, but a strong relationship with BoA can influence credit limit approvals across your portfolio.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.9 / 5.0
Top Positive:
Simple, no annual fee travel rewards, easy redemption, especially beneficial for Bank of America Preferred Rewards members.
Top Negative:
Lower flat rewards rate compared to some competitors, charges foreign transaction fees, no bonus categories, fixed point value.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One Quicksilver Cash Rewards Credit Card
- Wells Fargo Autograph Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $300.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: effective-October-2023