BankAmericard Travel Rewards Credit Card

bank of america travel rewards
Required Credit Score:
Excellent
910 reviews   Write a Review
Info about the BankAmericard Travel Rewards Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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BankAmericard Travel Rewards Credit Card’s Rewards

Bonus
20,000 points
Base Earn
1.5 points / $1
Max Earn
3 points / $1
  • Online exclusive 20,000 bonus points offer if you make at least $1,000 in purchases in the first 90 days of your account opening.
  • 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 in net purchases at the Travel Center with no limit on the number of Bonus Points you can earn.
  • No limit to the total number of points you can earn and points don't expire.
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America┬« checking or savings 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

Purchase Intro APR
0% for 12 months
Transfer Intro APR
Not Offered
Regular APR
15.24% - 23.24% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    3%

BankAmericard Travel Rewards Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE
    RATE
    18.24% - 25.24% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    None
  • SMART CHIP   Yes, chip-and-signature
  • 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 when you shop online
  • $0 Liability Guarantee

Customer Questions and Answers

Don't see what you're looking for? Submit your question about BankAmericard Travel Rewards Credit Card to our community.

What is the value of reward points?
Reply

Photo of Card H.
Oct 7, 2015
Each point is worth one cent when redeemed for a travel statement credit, which means 10,000 points equates to $100 in travel expenses. That’s your best option. Points are significantly less valuable when redeemed for a gift card, for cash back or for a miscellaneous item such as a charitable donation. For more info about the value of BofA points, check out our BankAmericard Rewards Review: cardhub.com/edu/bank-of-america-rewards-review/#redeem
9 Votes 16 7

Does this card have a smart-card chip?
Reply

Photo of Card H.
May 13, 2016
Yes, this card comes with a smart chip. It uses chip and signature technology. Chip and PIN technology is not yet available for this card. You can learn more about the difference, here: cardhub.com/edu/chip-and-pin-vs-chip-and-signature/
7 Votes 10 3

It has 0 transaction fee, but what exchange rate does this card use?
Reply

Photo of Card H.
May 13, 2016
This card’s exchange rate is set by VISA. You can reference the latest VISA exchange rates here:
http://usa.visa.com/personal/card-benefits/travel/exchange-rate-calculator.jsp
5 Votes 12 7
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Customer Reviews

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3.1 out of 5

910 reviews
13%
22%
35%
23%
7%
Photo of Jeanne P.
Jun 9, 2016
Bear in mind, you can have many points for regular purchases but can only use the Travel Rewards points on BoA if you used some of the purchaes on travel. (Eg, if you have 50,000 points, you have to have spent at least $500 dollars- on travel expenses (anything from bus and plane tickets or hotels, to cabs or to buy or refill metro / subway / public transportation fares.) If you have 50K points but only spent 100 of your card purchases on travel, you can only use 10K of your points for travel reimbursement. Also, this card only REIMBURSES travel- and that can be a pain. (See reviews more
Photo of Sia D.
May 3, 2016
Be aware that BOA has changed their policy regarding how travel reward points are redeemed. The new way they are actually earning interest!

we have been BOA customers since 1998 and in the past these travel rewards points simply were exchanged for a ticket. The new BOA policy stipulates that the customer first pay upfront for the ticket with the same credit card that has earned them the travel rewards points. This way the customer actually pay for their trip upfront.

Secondly the money is supposedly refunded the following business day as their travel reward points are redeemed. This is where the system fails and actually becomes fraudulent!

Personally this is our more
Photo of Evva A.
Mar 12, 2016
I am a BOA customer of over 15 years. I Iove to travel and was attracted to this offer due to no annual fees, no foreign transaction fees and the introductory rate. HOWEVER, I recently traveled out of the country and notified BOA of my travel dates to safeguard against any fraudulent charges on my account out side of that window of time. Two weeks after the date I notified the bank of my return, there were almost $2000 of fraudulent charges on my account. I still have the card in my possession! Someone must have somehow duplicated my card. BOA does not monitor this card!! They never froze the more
Photo of Manish B.
Feb 24, 2016
I am using this card since 4 months now. I was very happy with the points earned around 1.5 points per $1 spent however at other cards, I am getting only 1 point per $1. I am disappointed today when I try to redeem my 22000 points thinking I will get $220 +10% more being Preferred customer of BoA. However I came to know that the total value for 22000 points in $132. Yes, $132. Which was very shocking to me. When I spoke to customer care (Tim), He told me that the value of 1.5 point is only $1 and some extra charges for cash redemption. It is same more
Photo of Akin B.
Mar 23, 2016
You get the full value as a travel statement credit, not cash redemption.
Photo of Lpb306
Feb 24, 2016
I specifically got this card for the travel aspects- the rewards can go towards flights and there is no foreign transaction fee, which is something lacking in the Chase freedom- my other main credit card. I have Capital One for debit, and that has no foreign fees, but sometimes I feel safer using credit. I like that I get 1.5x points for all purchases, but I do wish there were certain categories I could get more in. Since I have that for my Freedom though, it didn't bother me too much. I would recommend it only to people who travel, since there are better cash back cards out there, with more
Photo of Akin B.
Feb 14, 2016
I only fly once or twice a year, so a card with an annual fee is not worth it to me. I do use public trains to commute to work every weekday, so this card is a good helper for both those needs. I recently took a trip to Taipei and at places that accepted credit cards it worked great. I love no foreign exchange fees with a good point system to support it. I get even more points if I use Bank of America's travel portal to book flights or hotels, and if you are a Bank of America deposit customer (Checking, Saving, or Merrill Lynch) you get an more
Photo of JC M.
Dec 5, 2015
I like this card because I travel often, and with that, I would normally be charged international fees for using an American card abroad. This card remedies this issue, it does not charge me any foreign transaction fees, thus making my credit card use abroad seem seamless and smooth. I would recommend this card for those who travel a lot and do not with to pay an annual fee.
Photo of Andy P.
Oct 15, 2015
This card does not really state what the conversion rate of it's reward points are. So while getting 20,000 points after spending $1000 seem like a good deal, i really don't know what I can get with that. Redeeming points for travel purposes seems very appealing. But the high, variable interest rate does not.
Photo of Bob S.
Aug 21, 2015
This Credit Card requires an even higher level of Credit than the Cash Rewards One............The 1.5% Rewards when converted to CASH it will be only 0.9% and this Credit Card does NOT offer 0% Balance Transfers like the other ones....
Photo of Roger F.
Jul 20, 2015
After I was pick-pocked in Paris they sent a new card to my hotel in 12 hours.
Photo of Luke M.
Jul 8, 2015
Overall, this is a fairly average travel rewards card that provides average benefits in comparison to other similar cards. The 1.5% Rewards is a nice feature, and those points do really add up if you are a frequent traveler. The bonus points awarded are a little skimpy in comparison to other cards out there, such as the Chase Sapphire Preferred Card which offers 40,000 points if you spend $4000 in the first 3 months. This is not a bad card, but there are better options.
Photo of Adam A.
Jul 29, 2015
What are some better options that you would recommend? I am about to move to India for 6 months and I am looking for a good option.
Photo of Ella L.
Jul 5, 2015
I really like the Bankamericard Travel Rewards Visa because it lets me accumulate points for the traveling that I am already doing anyway. It makes it easy to rack up points that I can use for future travels, or just everyday spending. I have had all good experiences so far with this card, and with Bank of America's customer service!
Photo of Michelle O.
Jun 2, 2015
We got a BOA travel card for an upcoming trip to Europe. The primary reason for doing so was that we wanted to avoid international transaction fees. It worked will in Europe, in several of the EU countries. We also like that it has numerous cash-back offers that we take advantage of, in addition to the point reward system. We have gotten several dollars back that way and it is a pretty good deal as far as credit card rewards go. We have not had a problem with fraud with this card. An international traveler looking for a good card from a strong bank would make a good choice to more
Photo of Donna O.
May 28, 2015
After a trip planned through Travel rewards and consequently having numerous issues with our hotel that was booked, we have been promised a full refund for our hotel stay. Not so easy, according to Bank of America travel dept. We have now waited more than 40 days to see a refund posted to our account, even collecting emails from supervisors saying "it will be 7-10 business days" Well, we are waaay past that and I would issue a warning to anyone considering using them. It DOES NOT take 40+ days to issue a refund. Wondering if they will be paying the interest that is accruing also!! Our ML investment people more
Photo of Thomas G.
May 14, 2015
The introductory offers on this card are spectacular for anyone who like to travel. It's not difficult to meet the cards requirement within the first month and if you do you pretty much already have a paid plane ticket to California! I like this card for its low fees and its great rewards and it also is a very safe card to use with it's smartchip. It's similar to a Capitol One Venture Card in that way that it makes traveling much easier and spending much funner but the rewards with Capitol One are hard to beat. Definitely recommend this BankAmericard Travel Rewards Credit Card to anyone who's budget it more
Photo of Red R.
Apr 28, 2015
If you fashion yourself to be a world traveler, this is definitely the card for you. $500 purchases in the first 90 days is incredibly easy - that's basically groceries and gas for a family of four, then you automatically get a $100 credit for traveling. Hello, Florida! The best part is that the points don't expire. Out of all the cards I've used for traveling, I've never seen this. Everyone knows points expire - but these don't. They're like miracle points. You can also use the points not only for flights, but for rental cars, hotels (and some really cool hotels, I might add.) Great card if you're looking more
Photo of Alex T.
Mar 26, 2015
Wow! If you are big traveler the BankAmericard Travel Rewards Card is perfect for you. This card has amazing bonuses with fairly low spending requirements to meet get those rewards. Also, the 0% introductory for 12 months offer is amazing. Using the bonus points for flights, hotels, car rentals, and tons more is a great offer. All of this matched with the fairly low interest rate and the annual 10% bonus makes this card a must have.
Photo of Jesse E.
Mar 11, 2015
Wow, the BankAmericard Travel Rewards card offers a lot of points as well as reasonable interest rates. For anyone who travels a lot, this card would a smart decision. Not only does it offer 1.5 points for every dollar spent (my current card only offers 1), it gives you 3 points for every dollar spent on travel. With the price of airfare being what it is today, those points will add up quick! Add that to the $100 dollar bonus you get for signing up, and this card is definitely a winner.
Photo of Karl M.
Feb 23, 2015
The BankAmericard Travel Rewards Credit Card is one of the best cards I have seen to date. The points earned are phenomenal at 1.5 – 3 per dollar spent. The interest rate is very competitive at about 15% to 23%. Most cards I’ve seen are 19% to 24%. Their late fees are about average but they offer an extended grace period of 25 days! The cash advance interest rate is competitive with cards I have previously used at 24.99%. My last card was 36%. The overdraft protection helps prevent embarrassing situations at the register too.
Photo of Jake P.
Dec 18, 2014
The Bank Americard Travel Rewards Credit Card has a decent interest rate and lets you use reward points towards airline miles.

Compare to the Delta Travel Rewards card and you have a card that's a little more well-rounded.

It's a good card though, especially if you travel.
Photo of Alex B.
Nov 25, 2014
If you're looking to do a lot of travelling, the Bank Americard Travel Rewards Credit Card is a great option.

Zero foreign transaction fees, a very competitive interest rate, and lucrative reward points make for a great card.

Compare this to the Capital One Quicksilver which has a higher permanent rate, not nearly as many rewards, and foreign transaction fees.

If you're going to be travelling, you can't do better than the Bank Americard Travel Rewards Credit Card.
Photo of Samantha G.
Nov 7, 2014
The BankAmericard Travel Reward cards looks like a good credit to have with many features that are not offered by other cards. I have two credit cards, one through Chase and one with Discover, and they both only offer 1% cash back on purchases. I also like how they offer an annual 10% customer bonus point if you have a Bank of America account because many people do have bank accounts where they have credit cards and so it's a nice reward.
Photo of Zaakirah M.
Nov 7, 2014
The BankAmercard Travel Rewards Credit Card is pretty impressive. This card seems like the perfect option for people who are consistent travelers like my parents. The amount of points you get that can be used for future travels is pretty impressive as well. I like that you can use it for not only planes and hotels but cruises(which is not something you see everyday). I can see that it sucks you can't translate the rewards to cash but I would rather travel to be completely honest.
Photo of Angela S.
Feb 10, 2016
It does allow translating to cash rewards although not as much as the travel rewards.
Photo of Sam K.
Nov 3, 2014
I like the rewards and how they waived my first late fee.
Photo of Justus J.
Oct 10, 2014
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.
Photo of McKenzie T.
Sep 4, 2014
This has been a good card for me, although the customer service which comes with it has by far been what sets it apart from my other cards/experiences. It takes awhile to rack up enough points for rewards to kick in, but travel rewards are only one vein of rewards available with this card, so I can't complain.
Photo of AL D.
Aug 25, 2014
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!...
Photo of Angela S.
Feb 10, 2016
You can convert rewards to cash as of 2.1.16. (don't know if this is a new feature or not).
Photo of Lindsay C.
Aug 19, 2014
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
Photo of Suzie G.
Aug 12, 2014
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.
Photo of Alyssa M.
Jul 22, 2014
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.
Photo of V.J. J.
Jul 20, 2014
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
Photo of Steve J.
Jul 20, 2015
How is it booking the airline travel thru BoA travel vs doing it yourself? I am worried they wont find me the best rate.
Photo of Rob P.
Jun 30, 2014
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.
Photo of Dan F.
Jun 4, 2014
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 had more
Photo of Futballer C.
May 22, 2014
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.
Photo of Joshua D.
May 22, 2014
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-!!!
Photo of Nichole O.
Apr 14, 2014
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.
Photo of Amy E.
Feb 12, 2014
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.
Photo of Tatiana J.
Feb 12, 2014
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.
Photo of Skye H.
Jan 16, 2014
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.
Photo of Angela S.
Feb 10, 2016
Which ones are better? (Nobody is saying.)
Photo of Mike P.
Jan 6, 2014
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.
Photo of Angela S.
Feb 10, 2016
Which ones are better? (Nobody is saying.)
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Last updated on: Jul 26th, 2016 at 4:16 EDT

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