Bank of America
Bank of America Travel Rewards Credit Card
Estimated value every year on typical spending
$468/ year
Every year, after the annual fee. Year one adds a $250 welcome bonus: $718
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Bank of America Travel Rewards Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $468 a year on typical spending. The welcome bonus adds roughly $250 in the first year.
The fine print
- Intro APR
- 0% for the first 15 billing cycles
- Regular APR
- 17.74% to 27.74% variable
- Foreign fee
- None
- Rewards paid as
- Bank of America points · ~1¢ each
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 1.5 points per $1 on everyday purchases
Sign-up bonus
25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 15 billing cycles
- Regular APR
- 17.74% to 27.74% variable
- Balance transfer fee
- 3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 5%.
- $1200/mo on everyday spending earns about $216/year (1.5x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Bank of America Travel Rewards Credit Card: questions people ask
Is the Bank of America Travel Rewards Credit Card worth it?
With no annual fee, the Bank of America Travel Rewards Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $468 a year on typical spending. The welcome bonus adds roughly $250 in the first year.
What is the Bank of America Travel Rewards Credit Card annual fee?
The Bank of America Travel Rewards Credit Card has no annual fee ($0).
What is the Bank of America Travel Rewards Credit Card welcome bonus?
25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases. We value it at about $250. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Bank of America Travel Rewards Credit Card earn?
1.5 points per $1 on everyday purchases.
What credit score do you need for the Bank of America Travel Rewards Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Bank of America Travel Rewards Credit Card charge foreign transaction fees?
No. The Bank of America Travel Rewards Credit Card has no foreign transaction fee.
Does the Bank of America Travel Rewards Credit Card have a 0% intro APR?
0% for the first 15 billing cycles. After that the regular APR is 17.74% to 27.74% variable.
Compare Bank of America Travel Rewards Credit Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Bank of America product page. Terms change often; confirm them with the issuer before you apply.