What is the average credit score needed to get approved for a Bank of America® Travel Rewards credit card?

Bank of America doesn’t disclose the credit score requirement to get approved for its Travel Rewards Credit Card. But, typically, having a good to excellent credit score (at least 690) can help.

Does Bank of America® Travel Rewards credit card report to all three credit bureaus?

Yes, Bank of America reports to all three credit bureaus.

Is the Bank of America® Travel Rewards credit card application process lengthy? Can you prequalify?

You can check if you prequalify by completing the application process online. Simply fill out the form or log in to your online account. According to the bank, you can get a response in as little as 30 seconds. You can also apply over the phone.

What information is needed to apply for a Bank of America® Travel Rewards credit card?

You will need to share personal information, including your full name, residential address and birth date.

Does the Bank of America® Travel Rewards credit card have good customer service or satisfaction?

You can contact Bank of America’s customer service by phone, mail or on the issuer’s social media accounts. In 2021, Bank of America ranked fifth in <a href="https://www.jdpower.com/business/press-releases/2021-us-credit-card-satisfaction-study" target="_blank">J.D. Power’s customer satisfaction study</a>. It garnered a score of 805 out of 1,000, which is slightly lower than the 809 average.

Does the Bank of America® Travel Rewards credit card have a mobile app or the option to pay or manage your account online?

Yes, Bank of America has a mobile application. You can also manage your account online.

Does Bank of America’s Travel Rewards Credit Card raise credit limits automatically or charge for limit increases?

Bank of America does not disclose its eligibility requirements for credit limit increases. However, you can check if you are qualified by logging in to your online account. What could increase your likelihood of raising your limit would be paying your account on time and asking for the raise at least a year after opening the account.

Does the Bank of America® Travel Rewards credit card offer the option to freeze your credit/account or have other security features?

If your Bank of America® Travel Rewards credit card gets lost or stolen, you can report the incident by logging in to your online account or calling the bank’s customer services. Cardholders can also dispute credit card charges via mail. The issuer also provides a $0 liability guarantee that covers fraudulent transactions. If the bank detects abnormal patterns, it will block suspected fraudulent activities.

Does Bank of America offer other credit cards besides the Travel Rewards Credit Card?

Yes, Bank of America offers other credit cards like the Bank of America® Premium Rewards® credit card, Unlimited Cash Rewards and BankAmericard.

Bank of America® Travel Rewards credit card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Bank of America® Travel Rewards credit card
A no-annual-fee travel rewards card with a good spend-based welcome bonus offer
- 1.5 PointsRewards Rate
- 18.24% – 28.24% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
We recommend the Bank of America® Travel Rewards credit card to people who don’t want to pay any annual fees and are looking for freedom in the way they get to redeem their reward points. In addition, you stand to earn 25,000 bonus points if you spend $1,000 on purchases in the first 90 days.
Every purchase you make comes with 1.5 points per dollar, and there is no limit to the number of points you may earn or accumulate. If you’re a Preferred Rewards member, you may earn up to 75% more points depending on your membership tier. When it comes to redeeming your points, you may do so as statement credits to pay for travel and dining purchases.
If you plan to make a large purchase and pay it over time, you may benefit by using this card’s 0% APR offer on purchases that stays in place for the first 18 billing cycles. This card is ideal to use outside of the U.S. because it does not charge foreign transaction fees.
Pros
No annual fees
Sizable spend-based welcome bonus
1.5x points per dollar on all purchases
Redeem points as statement credit to cover different types of travel and dining expenses
0% intro APR offer on purchases
No foreign transaction fees

Cons
No intro APR offer on balance transfers
Penalty APR may apply if you make a late payment
No travel and/or purchase protection
No annual andor foreign transaction fees
Earn 25,000 bonus points (valued at a $250 statement credit) by spending $1,000 on purchases in the first 90 days
Earn unlimited 1.5x points per dollar on all purchases
Preferred Rewards members get to earn 25% to 75% more points
Redeem points as statement credit to cover payments made for flight tickets, rental cars, cruises, hotels, vacation packages or baggage fees, as well as for dining (restaurants and takeout)
Intro 0% APR offer on purchases for the first 18 billing cycles, then a variable APR of 18.24% – 28.24% after that
$0 liability guarantee
Free access to your FICO Sscore
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

WHY TRUST OUR REVIEWS

For this Bank of America® Travel Rewards credit card review, MoneyGeek used a well-defined methodology where we collected information from the Consumer Finance Protection Bureau’s database. For easy comparison, we used standardized data points that include fees, rewards, bonuses and estimated average spending profiles.

The Bank of America® Travel Rewards credit card is best suited for individuals looking to earn unlimited points on all purchases. Although this card comes with a high APR (annual percentage rate) and limited perks, you can still benefit from it if you’re sure to make your payments on time. Additionally, you don’t have to pay an annual fee, and no foreign transaction fees make this card suitable for use outside the United States.

MoneyGeek’s Bank of America® Travel Rewards credit card review breaks down the pros and cons and evaluates the card’s different features to help determine whether it is right for your needs.

Bank of America® Travel Rewards credit card Overview

Using the Bank of America® Travel Rewards credit card lets you earn 1.5 points per purchase. These points do not expire for the life of the card. There are also bonus rewards available for new cardholders who spend $1,000 or more within the first 90 days of opening an account, as well as other bonuses that may be presented per special advertised promotions.

Quick Take

No annual andor foreign transaction fees
Earn 25,000 bonus points (valued at a $250 statement credit) by spending $1,000 on purchases in the first 90 days
Earn unlimited 1.5x points per dollar on all purchases
Preferred Rewards members get to earn 25% to 75% more points
Redeem points as statement credit to cover payments made for flight tickets, rental cars, cruises, hotels, vacation packages or baggage fees, as well as for dining (restaurants and takeout)
Intro 0% APR offer on purchases for the first 18 billing cycles, then a variable APR of 17.99% – 27.99% after that
$0 liability guarantee
Free access to your FICO Sscore

Important Card Details

Before starting a Bank of America® Travel Rewards credit card application, it’s important to understand all the card’s features, interest rates and fees. MoneyGeek lists these details below.

Regular APR
APRs are based on your creditworthiness when you open the account and often change based on the prime rate. There’s an introductory APR of 0% for purchases made in the first 15 months of being a Bank of America® Travel Rewards credit cardholder. After that, the bank charges a variable APR of 17.99% – 27.99%. The same APR applies to balance transfers. For direct deposit and check cash advances, the APR is 20.99% - 29.99%. The rate for bank cash advances is 29.99%. These rates are relatively high.
Transaction Fees
There are no annual or foreign transaction fees. However, there are fees for other transactions. For balance transfers, direct deposit and check cash advances, you either pay $10 or 3% of the amount, whichever is greater. If you take a cash advance through an ATM, same-day online or over-the-counter, you will either pay $10 or 5%, whichever is greater. Late payments will result in a penalty fee of up to $40.
Points Rewards Rate
For every purchase you make using the Bank of America® Travel Rewards credit card, you can earn 1.5 points.

Additional Benefits

Understanding the different features of a credit card can help you compare options and find the best one for your needs. Besides the Bank of America® Travel Rewards credit card benefits, there are other features and security protections you may be interested in.

$0 Liability Guarantee: Cardholders automatically have this coverage, which protects against fraudulent transactions. The bank also blocks possible fraudulent activities if they detect abnormal use patterns.
Contactless Chip: You can pay at locations with the contactless symbol by simply tapping your card.
Overdraft Protection: You can link an eligible checking account to your credit card to prevent declined purchases. Fees may apply.
Digital Wallet: Use your credit card to make online payments. You can also do online and mobile banking.
Account Alerts: Sign up for emails or text alerts to monitor your balance and get reminders for your due dates.

How the Bank of America® Travel Rewards credit card Compares To Other Cards

Comparing multiple credit cards can help you find the best card for your travels. For a straightforward card that earns points without additional fees, the Bank of America® Travel Rewards credit card can be a good option. However, other credit cards may offer more benefits and features.

How the Bank of America® Travel Rewards credit card Compares

Bank of America® Travel Rewards credit card

Annual fee: $0
APR for purchases: 17.99% – 27.99% variable
Foreign transaction fee: $0
Redemption options: Redeem your points as a statement credit to offset travel and dining purchases
Best for: Travelers looking for a basic rewards card with no annual or foreign transaction fees

Capital One VentureOne Rewards Credit Card

Annual fee: $0
APR for purchases: 19.99% – 29.99% variable
Foreign transaction fee: $0
Redemption options: Redeem miles as a statement credit for travel purchases, buying gift cards, shopping online at Amazon or transferring to partner airlines or hotels
Best for: Travelers looking for miles rewards card with no annual or foreign transaction fees

Frequently Asked Questions

sources

Bank of America. "Bank of America® Travel Rewards credit card." Accessed April 13, 2022.
Consumer Finance Protection Bureau. "Credit Card Agreement Database." Accessed April 13, 2022.
J.D. Power. "2021 U.S. Credit Card Satisfaction Study." Accessed April 13, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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MoneyGeek’s Take

Bank of America® Travel Rewards credit card Review

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