Bank of America Travel Rewards – How to Apply
The Bank of America Travel Rewards Credit Card is the kind of card that proves you don’t need to spend big to enjoy meaningful travel perks.
Designed for everyday earners who love to get away, this card is simple, flexible, and powerful when used right.
With unlimited 1.5 points per dollar spent on every purchase, it puts rewards in your pocket no matter where your money goes.
And since there are no annual fees or foreign transaction charges, you’re not spending just to carry the card. Instead, you’re investing in travel freedom—one swipe at a time.
The Bank of America Travel Rewards card offers a consistent and accessible rewards program for all kinds of users: from young professionals to seasoned travelers, from budget explorers to digital nomads.
Bank of America Travel Rewards
No annual fee No foreign transaction feesHow does the Bank of America Travel Rewards Credit Card work?
Every time you swipe your card, you earn 1.5 points for every dollar spent—no exceptions, no limitations. Whether it’s a plane ticket, a meal out, or a grocery run, your purchases are adding up toward your next vacation.
The real beauty of the system is in the redemption. Points can be applied toward a wide variety of travel expenses: flights, hotels, car rentals, public transportation, baggage fees, and even certain restaurant and ride-share purchases.
There’s no need to book through a specific portal or deal with blackout dates. You book your trip the way you want, then use your points to get reimbursed.
Additionally, new cardholders often receive a welcome bonus after spending a set amount within the first 90 days—giving you a head start on your next getaway. And if you’re part of Bank of America’s Preferred Rewards program, you can earn up to 75% more points on every purchase, depending on your banking relationship with them.
Main benefits for the Bank of America Travel Rewards Credit Card
The card’s biggest advantage is its combination of rewards and flexibility. The flat 1.5x points rate means you never have to wonder if you’re getting the best return—it’s built-in and automatic. That simplicity makes it ideal for anyone who doesn’t want to play the “category game.”
The lack of foreign transaction fees is another powerful benefit. Many travel cards that waive this fee come with annual charges, but not this one. Whether you’re traveling to Europe, Asia, or anywhere in between, you can swipe without worrying about hidden costs.
Another bonus? There’s no expiration on your points as long as your account remains open. You’re free to earn and save until you’re ready to cash in for your next adventure.
You will be redirected
Cons for the Bank of America Travel Rewards Credit Card
While the Bank of America Travel Rewards card is great for casual and mid-level travelers, it doesn’t offer premium travel benefits. If you’re someone who values airport lounge access, airline upgrades, or travel insurance perks, you may feel limited by what this card delivers.
The card also lacks tiered rewards for specific categories. Some competitors offer higher returns for travel, dining, or groceries, which can lead to more rapid point accumulation for those with targeted spending habits.
Finally, the card’s true value comes when points are used toward travel. If you try to redeem them for cash or merchandise, the redemption rate drops, making the points less appealing outside of travel use.
APR and Fees
The Bank of America Travel Rewards Credit Card offers a variable APR based on your credit profile. It’s competitive with other cards in the no-annual-fee category but may not be ideal for those who carry balances month to month.
What really makes this card shine is its fee structure—or lack thereof. No annual fee, no foreign transaction fee, and minimal other charges. It’s designed to be low-cost and user-friendly, giving you freedom without financial stress.
Late payments and returned payments do carry standard penalties, so responsible usage is key. But overall, the fee model is one of the most attractive in its category.
How to Apply for the Bank of America Travel Rewards Credit Card
Applying for the card is quick and can be done online. Here’s how:
- Visit the official Bank of America website and find the Travel Rewards Credit Card page.
- Click “Apply Now” to begin your secure application.
- Fill in your personal and financial information—make sure everything is accurate.
- Submit the form and wait for a response. Many applicants receive instant decisions.
- If approved, you’ll receive your card in the mail and can begin using it immediately for both everyday purchases and future travel.
