Bank of America, N.A.
Bank of America® Travel Rewards Credit Card
A simple no-annual-fee U.S. travel rewards credit card that earns unlimited points on purchases and has no foreign transaction fees, making it useful for beginner travelers.
Highlights
Main benefits
- $0 annual fee
- No foreign transaction fees
- Unlimited 1.5 points per $1 spent on purchases
- 25,000 online bonus points offer may be available
- Redeem points for travel statement credits
- Redeem points for dining statement credits
- Useful for international purchases
- Simple reward structure with no rotating categories
- Points can be more valuable for Preferred Rewards members
- Good beginner travel card
Fees
Fees and charges
Joining fee
$0
Renewal fee
$0 annual fee
Annual fee waiver
Not required because the card has no annual fee. Bank of America also states the card has no foreign transaction fees.
Who can apply
Eligibility
Best suited for U.S. applicants with good credit or better. Approval depends on Bank of America’s credit review, income, debt obligations, identity verification, credit history, and other underwriting factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official Bank of America Travel Rewards Credit Card page
2. Review current bonus offer, APR, fees, reward terms, and redemption rules
3. Click “Apply Now”
4. Enter personal, income, and contact details
5. Submit the application and wait for Bank of America’s decision
Value
Reward and cashback structure
Reward rate
Unlimited 1.5 points per $1 spent on purchases. Some channels also list enhanced value through Bank of America Travel Center bookings, so check the official application terms before publishing any portal-specific rate. Bank of America officially highlights no annual fee, no foreign transaction fees, and travel statement-credit redemption.
Cashback
Not primarily a cashback card. Points can be redeemed as a statement credit toward eligible travel and dining purchases, including flights, hotels, vacation rentals, rental cars, baggage fees, and restaurants.
Good fit
Pros
- No annual fee
- No foreign transaction fees
- Simple unlimited points earning
- Good option for beginner travelers
- Useful for international spending
- No rotating categories to activate
- Welcome bonus has a relatively low spending requirement
- Can become more rewarding for Bank of America Preferred Rewards members
- Visa acceptance is strong worldwide
Watchouts
Cons
- No airport lounge access
- No premium travel credits
- No airline or hotel transfer partners like Chase or Amex
- Flat 1.5x earning is lower than many premium travel cards
- Best value may depend on Bank of America relationship status
- Limited luxury travel benefits
- Not ideal for frequent travelers seeking premium perks
- Requires U.S. credit eligibility
Related
Related cards
Compare
Compare Cards
| Field | Bank of America® Travel Rewards Credit Card | Chase Sapphire Preferred® Card |
|---|---|---|
| Bank/provider | Bank of America, N.A. | Chase Bank USA |
| Joining fee | $0 | $95 annual fee |
| Renewal fee | $0 annual fee | $95 annual fee |
| Best for | Beginner travel rewards, no-annual-fee travel card, international purchases, simple points earning, Bank of America Preferred Rewards members | Travel rewards, Chase Ultimate Rewards® points, dining, hotel bookings, international travel, beginners who want a serious travel card |
| Reward rate |
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| Cashback |
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| Lounge access | No Included airport lounge access | No Included airport lounge access |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit | 25,000 online bonus points offer, worth a $250 statement credit toward eligible travel and dining purchases, after making at least $1,000 in purchases in the first 90 days of account opening | Welcome offer changes over time and may vary by user or channel. A commonly listed recent offer is bonus points after meeting a minimum spend requirement in the first 3 months, so check Chase’s official application page before publishing the exact number |
| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply | Apply |