BankAmericard Travel Rewards Credit Card

BankAmericard Travel Rewards Credit Card
Required Credit Score: Excellent
3 418 reviews   Write a Review!
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BankAmericard Travel Rewards Credit Card's Rewards

Bonus
10,000 points
Base Earn
1.5 points / $1
Max Earn
3 points / $1
Earn / Redeem Limit
No
  • Online-exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - which can be redeemed for a $100 statement credit towards travel purchases.
  • Earn 1.5 points for every dollar spent on purchases - 50% more than the average rewards programs which only offer 1 point per dollar
  • Earn 3 points for every dollar spent for the first $6,000 in airline purchases (up to 9000 points) made at the Bank of America Travel Center each calendar year.
  • Simply pay for your travel with your card. Then, call or go online and you can redeem your points for a statement credit towards all or part of your travel purchases
  • No limit to the total number of points you can earn and points don't expire.
  • Annual 10% customer bonus points on your total purchases when you have a qualifying Bank of America account
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts.

BankAmericard Travel Rewards Credit Card's Key APRs & Fees

Intro Rate on Purchases
0% for 12 months
Intro Rate on Transfers
Not Offered
Regular Rate
14.99% - 22.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

BankAmericard Travel Rewards Credit Card's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   N/A
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE RATE 24.99% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    None
  • 24-hour travel and emergency assistance
  • Smart chip technology provides greater acceptance and added security, so you can make purchases with ease and confidence outside of the U.S.
  • Overdraft protection - An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your Bank of America® checking account to your credit card.
  • ShopSafe – add an extra layer of protection to your online shopping
Apply Now
at Bank of America's
secure site

BankAmericard Travel Rewards Credit Card Reviews

 
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1 2 3 4 5
 
2.9
Overall Rating: 2.9 / 5
Total Ratings: 418
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Aug 25, 2014
Photo of AL D.
2
By:
i think this TRAVEL card requires the Highest Excellent Credit from all the B O A cards, NOT everybody will be able to get it, i DON'T like that i can only get the rewards towards TRAVELING expenses, i want CASH!...
Aug 19, 2014
Photo of Lindsay C.
1
By:
I applied for the travel rewards card to use while living overseas (Japan) for one year. It seemed like a good deal at the time. Beware when you try to use it overseas! When I arrived in Japan it worked fine for a couple weeks. Then one day I tried to make a small purchase of about $15 and it was declined. Went to another store and the same thing happened. I contacted B of A and was told that the card was declined because the amount was inconsistent with my previous purchase patterns. What??? I had only used the card for about 2 weeks at that point. Are my more
Aug 12, 2014
Photo of Suzie G.
3
By:
The BankAmericard Travel Rewards Credit Card seems like a great card for someone who does a lot of international traveling. The rewards are great for a traveler and has a lot of perks in that area. The requirements to get this card includes having a very high credit rating, which is hard to obtain these days. Also, the late fees seem to be very high and that can be very frustrating. I have a Chase Freedom card and it also has a rewards system, that when purchasing goods you get a percentage back. With that card, though, there are a lot more opportunities to get that cash back pretty easily.
Jul 22, 2014
Photo of Alyssa M.
3
By:
I like that this card offers bonus points by signing up, but it has a transfer fee. None of y credit cards have had transfer fees in the beginning.
Jul 20, 2014
Photo of V.J. J.
5
By:
I just signed up for this card after doing some quick math about the rewards offering. It is a no-brainer. I've been a BOA banking customer for about 15 years. A few years ago, they offered $600 to open an investment account with ML Edge, so I did. Three days ago, I logged into my BOA account and they said I qualified for benefits as a Preferred Rewards Platinum Honors Client, which included a 75% bonus to their credit card awards. So, for this BankAmericard Travel Rewards, for every dollar spent, I earn 1.5 standard points + 75% bonus + 10% bonus points = 2.89 points/dollar minimum. That beats my more
Jul 4, 2014
Photo of Joao L.
5
By:
I have had this bank of america credit card since 2009 and I can Proudly say it is one of the best credit cards I have. It has the best security on a card can offer. I love the fact that I don't pay foreign transaction fees on it. When I go to Brazil or Portugal I always use this card. It also gives me points when I use it. I love it so much I brag about it at work all the time.
Jun 30, 2014
Photo of Rob P.
4
By:
Really a rather standard credit card. The interest rates, late fees, cash advance fees and reward points accumulation is very similar to my Capital One Quicksilver card. However, the reason I give this card a 4th star over a 3 star rating is the 10% customer bonus points on total purchases with a Bank of America account! the maximum penalty APR is 29.99%, which I find a little excessive, but pay the bill on time and no worries.
Jun 4, 2014
Photo of Dan F.
5
By:
Solid 1.6% awards ( if you are a BoA checking customer ) on everything applicable to travel rebates ( a lot of things count as travel, including bus fares, amusment parks and other things, so its no problem finding things to use it on ). I mostly got it to save on foreign transaction fees before a trip, as I was worried my Discover It card (which I usually use) would not be as accepted as Visa abroad. It wasn't that hard to qualify IMO, maybe because I'm a BoA customer. I only had about one year of credit history at the time, my fico was somewhere around 710, I more
May 22, 2014
Photo of Futballer C.
3
By:
I very much enjoy the no annual fee, but the late fee seems pretty high. The 24 hour assistance is a great feature, however, as well as the initial bonus of 10,000 points. A very high credit history, however, is needed to get this card.
May 22, 2014
Photo of Joshua D.
5
By:
What was I thinkin', oh yeah, no FTF, No AF, no fees whatsoever, what a great card-!! Kidding right? Looks like others who chimed in with less than 5 stars do NOT have this card, or does not have perfect credit history, never traveled outside the USA, or just grumpy irresponsible...never mind, that's another subject, but COME ON-!! Cannot beat this card....works for me-!!!
Apr 14, 2014
Photo of Nichole O.
4
By:
Compared to other cards (MasterCard, Visa), the BankAmericard Travel Rewards Credit Card has a number of benefits: no annual fee, fairly low interest rate, 24-hour travel assistance, and a decent rewards program. I also really like the overdraft protection! The one major downside is that it requires you to have a pretty good credit score to qualify.
Feb 12, 2014
Photo of Amy E.
3
By:
Compared to other cards, this card isn't overly impressive. It's okay, but you have to have an excellent credit score to obtain it, not to mention the late fee is a bit excessive. It looks like it would be a great card for foreign travel, but if you're not doing a lot of that, what is the point in having it? I do like that it has the shopsafe feature, however. It never hurts in this day and age to have an extra layer of safety.
Feb 12, 2014
Photo of Tatiana J.
1
By:
Well, one thing I don't like about the card is the max late fee, I don't really like it that much and I don't really see anything interesting at all about the card also. I am comparing it to Chase Freedom - $100 Bonus Cash Back and by looking at it it's way better to have than this card in my opinion.
Jan 16, 2014
Photo of Skye H.
3
By:
The BankAmericard Travel Rewards Credit Card is an interesting card. It's not horrible, but it does require that you have a good credit history, and if you have one of those, you'll probably go for a card with a prettier rate than this one. The benefits of this card are nice, but there are much better. I'm not sure why anyone would choose this card over others, considering the credit history rate to benefits ratio is pretty terrible. On the flip side, if you travel a lot (and I mean A LOT), this card would be amazing for you. The perks for travel are wonderful, as well as the rewards.
Jan 6, 2014
Photo of Mike P.
3
By:
Overall, the BankAmericard Travel Rewards Credit Card is an Okay credit card; however, because it requires an excellent credit rating, it will be unobtainable for most people. The initial bonus is average considering how much they expect you to spend. If you want more bang for your buck though, there are other cards out there that will give you point bonuses if you shop at certain places.
Dec 16, 2013
Photo of Lindsay K.
5
By:
The BankAmericard Travel Rewards Credit Card is not a card for everyone, since
it does require a good credit history; but the benefits are great. New customers get
an introductory rate of 0%. For people who use their credit card frequently, and
typically pay the balance in full or carry a small balance this card is perfect.
Just by using the card, you are getting money back into your pocket. The added
security and travel assistance features are also a big plus.
Dec 12, 2013
Photo of Thomas B.
3
By:
The BankAmericard Travel Rewards Credit Card is very similar to other travel type cards, but to max out the benefits you should get a Bank of America bank account as well for the added 10 percent bonus. Really similar to the Amex card, but there's some places that don't accept it and this one is on the Visa/MC network which has lower fees to merchants, so you might like this one better if you go to small corner stores and such in your travels to make sure they'll accept it. It was the one thing I didn't like with the competing Amex card, was small places or places running on more
Dec 9, 2013
Photo of David M.
4
By:
This BankAmericard Travel Rewards Credit Card is one of those credit cards that people who do not qualify point to as the ones they wish they could have. Once you get past the required Excellent credit rating, you're looking at a card with excellent reward potential. For starters, simply spending $500 within 90 days of opening the account will earn you $100 off your next travel purchase. Following that, you'll earn 1.5 points per dollar spent, which as they seem proud to say, truly is 50% more than most other rewards programs I've seen (1 point=1 dollar) Also, if you combine this card with a valid Bank of America account, more
Dec 3, 2013
Photo of Jason B.
4
By:
The only real downside to the BankAmericard Travel Rewards card is being able to qualify for it, as not everyone will be able to be so lucky. However, for those that are able to get their hands on it, this will be the perfect piece of plastic for any time you need to travel. The rewards are great and are non-airline specific, making it a step up from many of the other travel cards out there.
Nov 28, 2013
Photo of Angela M.
3
By:
Requiring an Excellent credit score for approval for the BankAmericard Travel Rewards Credit Card makes this card out of reach for the average consumer, and even if you're fortunate to have an Excellent rating, the incentive program will mean jack if you don't travel much. At least the added security and travel assistance features make sense considering the intended consumer base. The fact that this card allows for cash advances and credit transfers is another welcoming feature. (I do find it amusing that options mobile alerts and paperless statements are mentioned--I imagine that those are standard features for most cards.)
Nov 24, 2013
Photo of Reggie S.
3
By:
The BankAmericard Travel Rewards credit card appears to be one of the most prestigious and well-acclaimed credit cards currently available on the market. It offers great travel rewards through a generous points system, 24 hour emergency assistance, paperless statement options, and even overdraft protection on linked Bank of America checking accounts. The only notable downside to this credit card is the fact that it's somewhat hard to obtain, since it is only available to consumers who have an excellent credit history. Overall, however, the BankAmericard Travel Rewards credit card is the perfect choice for anyone who has a history of stellar money management and also enjoys traveling and exploring.
Nov 15, 2013
Photo of Katie C.
2
By:
BankAmericard Travel Rewards Credit Card is a good deal IF you have great credit and travel a lot. The initial bonus is nice, but $100 isn’t that much when other cards are giving out $200 to $500 for signing up. The rewards are all focused on travel and consist of statement credits for those travel purchases. It is nice that is has a 10% bonus for Bank of America customers and no foreign transaction fees. If you do get this card, make sure you read all of the fine print. In my experience with Bank of America there are a lot of conditions that must be met which can get annoying fast.
Nov 6, 2013
Photo of Gregory S.
4
By:
The BankAmericard Travel Rewards Credit Card is definitely loaded with benefits and is a neat option for travelers such as myself. By simply spending $500 during the first three days, you receive $10,000 bonus points which can be used to save $100 on an upcoming trip. In comparison, the Capital One Venture Rewards Credit Card requires that one spend $1,000 during the first three months for the same benefit. It's clear that the BankAmericard is a better option during the initial period and the benefits do not stop there. The card offers 1.5 points for every dollar spent after the Intro period although this is less than the 2 points more
Nov 2, 2013
Photo of Braden B.
4
By:
I love travel rewards cards. Perfect for that young professional who does not only travel a lot for business, but also for pleasure. The BankAmericard Travel Rewards card gives you $100 off of your next travel purchase. This is great, especially if you know you are going to take a trip in the coming months. This worked out well for me, as I was planning a trip home to visit my parents and after spending $500 within three months and getting the discount, my trip only cost my about $100. CRAZY. If you’re looking for a good, basic travel rewards card, the BankAmericard Travel rewards is a great candidate.
Oct 30, 2013
Photo of John L.
5
By:
The Bank Americard Travel Rewards card is pretty great. For me it was an upgrade from my Bank of America card and I couldn't be happier. Unlike a lot of cards it doesn't have a limit on the amount of points you can earn in a year. It also doesn't have a yearly fee which has started to become more common with point reward credit cards. The interest rate of 14 percent is about standard but on the low side for a point card. The cash advance is a little lower than most cards as well at 23 percent. The best thing about this card however is the point system. more
Oct 25, 2013
Photo of Alexis B.
4
By:
The BankAmericard Travel Rewards Credit Card totally rocks. 24/7 travel and emergency assistance is a great incentive. Compared to the Expedia Credit Card, this is tops. The first point of their reward details, $100 of your next travel purchase is awesome and a great help! Also, 1.5 points per dollar spent is 50% more than what other companies offer--hello, points! The fact that there are no limits to the card is a huge plus, as other cards do not offer this luxury! If you have a qualifying Bank of America account, you can also acquire 10% bonus points on purchases annually!
Oct 18, 2013
Photo of Aaron B.
5
By:
I have had nothing but good experiences with my BoA Travel Rewards card. It was switched over from another card I had with them that they discontinued. Although this card is labeled a "travel rewards" card, the points earned can also be used to receive gift cards or statement credit, much like a "cash rewards" card. I do admit that the exchange rate is not as good as a standard "cash rewards" card when using it for those transactions though. The main reason for 5 stars with me is that Bank of America's customer service has been excellent. Twice, after calling, I got them to lower my interest rate just more
Oct 17, 2013
Photo of David C.
3
By:
Decent card if you can get it when they have one of the promotions to get some cash back. It is okay if you have no other reward cards to use, but it is somewhat hard to be approved for this card in the first place so you might have better options available. Their point system is somewhat generic and bland, and there are better ones out there that you can probably apply for if you are qualified for this card. I would try to see what other options are available before resorting to this card. Overall, it is a pretty average card and don't expect too much out of more
Oct 14, 2013
Photo of Tao A.
2
By:
The only reason I can see to get the BankAmericard Travel Rewards credit card is to save on foreign transaction fees. Most cards will charge you around 3% to use your card overseas and those little fees can really add up quickly. The other thing that's nice is the 0% intro APR for an entire year. Other than that, this card has a high APR, requires excellent credit, and nickel and dimes you all the way. 10,000 bonus points if you spend $500 within 90 days... but that's only worth $100 in travel redemption! At 1.5 points per dollar, this card will rack up points faster than most rewards cards more
Oct 10, 2013
Photo of Stephanie M.
2
By:
The BankAmericard Travel Rewards Credit Card is a Visa card that has a ton of terms and conditions. If you do this then you get this % of this, etc. etc. I prefer my rewards cards to be a little less .. diluted. You do get an initial award of 10,000 points which will save you $100 off travel, but of course, there's a "condition". Spend $500 on the card within 90 days. Earn 1.5 points for every $. Then here we go with the conditions again - 3 points for every $ spent for the first $6k in airline purchases (up to 9000 points). The good news is that more
Oct 6, 2013
Photo of Jesse S.
4
By:
The Bank Americard Travel Rewards Credit Card is alright compared to other travel credit cards. It does have no annual fee, which I am very big on. It gives you 10,000 Initial Bonus points for signing up. You will need a very good credit rating to get this card, also. It also has 0 percent intro rate for the first 12 months. I have the Chase Sapphire Preferred Credit Card and it has all of that but it gives you 40,000 Initial Bonus points for signing up. They both no foreign transaction fees, which is also great. I would recommend this credit card but there are better ones out there.
Oct 2, 2013
Photo of Sidhu R.
4
By:
This is a great card for travelers like me. 3 points for every dollar spent for the first $6000 is a great offer, at least for me. 1.5 points for every dollar spent on purchase is a decent offer, but I personally know a few cards which offer such deals, in fact a bit on the higher end as well. Except for the travel and purchase offers, I don't see much benefits one would get out of the Bank Americard. Maybe we could add it in our kitty just for the sake of travel and use it for huge purchases as well. The Grace period is 25 days and thats more
Sep 25, 2013
Photo of Ben M.
3
By:
One of the things I always make sure I have in a travel rewards credit card is for it to have no foreign transaction fees, and the BankAmericard Travel Rewards Card definitely has this perk! The other benefits this card has is on travel purchase. You get 3 points per dollar on all your travel related purchases, though there is a cap on how much you can earn. I personally don't spend that much on travel, but others might. It also has the smart chip technology with it which is great if you are traveling overseas and want the extra security. This card is great if you travel a lot, more
Sep 20, 2013
Photo of Alex S.
2
By:
The BankAmericard Travel Rewards Credit Card is a pretty average to below average card in my opinion. As said in the name of the card, this is suited for travelers. Since I don't travel too much, this card isn't too beneficial for me. I like the no annual fees, but this card just doesn't offer too much at all for non travelers. Even for travelers, I feel the rewards are somewhat minuscule. APR can be high, and overall I feel that there are far more cards out there that are better than this one. Even when it comes to traveling, there are better travel cards than this one, with more more
Sep 13, 2013
Photo of Sheryl P.
4
By:
The BankAmericard Travel Rewards Credit Card is great if you are a frequent traveler and actually spend your own money on travel. The way that this card shines is that they give you 1.5% back on every day purchases, and 3% on travel purchases with a cap of $6,000 worth of purchases. The downside is that you are limited towards a statement credit towards travel, not for cash back, gift cards, or other rewards that other programs offer. Other cards like Venture offer 1.25% back with no annual fee, but you can redeem for gift cards and spend the money however you want. Definitely consider this as your every day more
Sep 9, 2013
Photo of Janice K.
4
By:
The BankAmericard Travel Rewards Credit Card looks like a great credit card and I would like to apply for it. I use my credit cards to pay for most of my items, and I really like that I can get 1.5 points for every dollar that I spend, which is more than my current credit cards offer me. I also travel pretty frequently, as I have family members that live out of the country, so earning more points by using it on airline purchases is very beneficial to me. I also like that there are no foreign fees with this card.
Sep 4, 2013
Photo of Kyle S.
3
By:
This is an interesting idea for a card. I was reading over it and it sounds fairly decent. I have had trouble with credit cards before, like Visa and Mastercard, but I like the rate on this one. I also like that it rewards you, I hear people speak of getting rewards from their cards for spending but I don't think they get as much as this card is offering. I would like to apply for this card, should I be approved. I don't use credit cards that often but I probably would if I could have a card like this.
Aug 26, 2013
Photo of Chris M.
2
By:
The BankAmericard Travel Rewards Credit Card is a fairly decent card, it definitely is not the best card available but it is not the worst either. One thing I found interesting about it is how hard it was to get approved. The card requires pretty good credit and you would think that for how hard it is to get approved, it would be better, but nope. It's not a bad card by any means, just doesn't compare at all to other rewards cards on the market today. At least there is no unnecessary fees attached. But other than that, I would just go after another card instead, there are much more
Apr 12, 2013
Photo of Orange U.
4
By:
In My opinion this Bank of America Travel Rewards Credit card has a lot of good features fro travelers 1) No Annual Fee 2) No Foreign Transaction fee; which is great to have it if you travel overseas or process transactions with merchants outside the USA, (Other Banks will charge you up to 3%, or you will have to pay an annual fee waive it i.e Chase Sapphire) 3) 1.5 points per dollar expended 4) Chip Technology or EMV Card at no charge (Other Banks will charge an annual fee too) which I think is a good feature for international travelers). 5) Visa Signature Benefits if you credit history Qualifies. more
Mar 29, 2013
Photo of Crystal B.
2
By:
I have to be honest, I've had nothing but trouble with Bank of America. The travel rewards connected to this card are kind of pathetic when you compare them to the benefits of other cards. It seems like they just wanted to jump on the travel card bandwagon without any actual research on what other cards offer. I've gotten several past due notices with this card even after I provided proof to the company that my balance was paid in full and on time. I found customer service rude and very reluctant to reverse penalty charge errors, although BoA will slap a bunch of them on you in a split more
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Aug 9, 2014
Photo of George C.
By: George Coutris
Does the travel reward card provide car rental excess insurance at no extra cost?
Aug 11, 2014
Photo of Card H.
Card Hub
It seems that the card does not offer car rental insurance. Card holders can get more information by calling the number on the back of their card.
Apr 6, 2014
Photo of Dianne E.
By: Dianne Moore Eakin
Does this card have a smart-card chip?
Apr 7, 2014
Photo of Card H.
Card Hub
You can call customer service at 1.800.932.2775 and they should be able to help you.
Jan 1, 2014
Photo of John T.
By: John Terry
Can this card also be used as a debit card?
Jan 27, 2014
Photo of Card H.
Card Hub
Yes, this and other credit cards can be used as a debit card (i.e. to withdraw cash from ATMs). You can read more here: http://www.cardhub.com/edu/can-i-use-my-debit-card-like-a-credit-card/. However, a credit card cash advance is typically very expensive, as interest immediately begins to accrue at a high rate and you incur a significant fee upon making the transaction. As a result, we recommend that consumers avoid cash advances and instead use a debit card or prepaid card to access cash.
Jun 8, 2013
Photo of Sonny G.
By: Sonny Greenwald
sound quality was really poor. The info I received was a travel internet site I do not understand why all the identity questions were required.
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Last updated on: Sep 1st, 2014 at 1:07 EDT