BankAmericard Travel Rewards Credit Card

bank of america travel rewards
Required Credit Score:
Excellent
3 580 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.
  • 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
    17.99% - 24.99% (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® and SafePass®
  • $0 Liability Guarantee
Apply Now
at Bank of America’s
secure site
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BankAmericard Travel Rewards Credit Card Reviews

 
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Overall Rating: 3.0 / 5
Total Ratings: 580
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May 14, 2015
Photo of Thomas G.
4
By:
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
Apr 28, 2015
Photo of Red R.
4
By:
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
Mar 26, 2015
Photo of Alex T.
5
By:
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.
Mar 11, 2015
Photo of Jesse E.
5
By:
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.
Feb 23, 2015
Photo of Karl M.
4
By:
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.
Dec 18, 2014
Photo of Jake P.
3
By:
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.
Nov 25, 2014
Photo of Alex B.
4
By:
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.
Nov 7, 2014
Photo of Samantha G.
4
By:
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.
Nov 7, 2014
Photo of Zaakirah M.
4
By:
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.
Nov 3, 2014
Photo of Sam K.
4
By:
Nov 3, 2014
I like the rewards and how they waived my first late fee.
Oct 10, 2014
Photo of Justus J.
4
By:
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.
Sep 4, 2014
Photo of McKenzie T.
5
By:
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.
Aug 25, 2014
Photo of AL D.
2
By:
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!...
Aug 19, 2014
Photo of Lindsay C.
1
By:
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
Aug 12, 2014
Photo of Suzie G.
3
By:
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.
Jul 22, 2014
Photo of Alyssa M.
3
By:
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.
Jul 20, 2014
Photo of V.J. J.
5
By:
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
Jun 30, 2014
Photo of Rob P.
4
By:
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.
Jun 4, 2014
Photo of Dan F.
5
By:
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
May 22, 2014
Photo of Futballer C.
3
By:
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.
May 22, 2014
Photo of Joshua D.
5
By:
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-!!!
Apr 14, 2014
Photo of Nichole O.
4
By:
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.
Feb 12, 2014
Photo of Amy E.
3
By:
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.
Feb 12, 2014
Photo of Tatiana J.
1
By:
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.
Jan 16, 2014
Photo of Skye H.
3
By:
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.
Jan 6, 2014
Photo of Mike P.
3
By:
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.
Dec 16, 2013
Photo of Lindsay K.
5
By:
Dec 16, 2013
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:
Dec 12, 2013
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:
Dec 9, 2013
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:
Dec 3, 2013
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:
Nov 28, 2013
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:
Nov 24, 2013
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:
Nov 15, 2013
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:
Nov 6, 2013
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:
Nov 2, 2013
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:
Oct 30, 2013
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:
Oct 25, 2013
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:
Oct 18, 2013
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:
Oct 17, 2013
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:
Oct 14, 2013
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
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Apr 10, 2015
Photo of Dawn A.
By:
Apr 10, 2015
I love how you can use this card to pay for travel and then go online to redeem your points toward your travel purchases. Points can be redeemed for hotel stays, which is the biggest benefit for me because we are not frequent flyers. Plus the points don't expire! You can't beat having the 12 month 0% APR too. It is always beneficial. It is also beneficial to get a Bank of America checking account too so you can link to this card for overdraft protection and get extra bonus points each year. This card would definitely be helpful for family vacations.
Mar 7, 2015
Photo of Yohann R.
By:
Mar 7, 2015
It has 0 transaction fee, but what exchange rate does this card use?
Mar 9, 2015
Photo of Card H.
Mar 9, 2015
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
Aug 9, 2014
Photo of George C.
By:
Aug 9, 2014
Does the travel reward card provide car rental excess insurance at no extra cost?
Aug 11, 2014
Photo of Card H.
Aug 11, 2014
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:
Apr 6, 2014
Does this card have a smart-card chip?
Apr 7, 2014
Photo of Card H.
Apr 7, 2014
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:
Jan 1, 2014
Can this card also be used as a debit card?
Jan 27, 2014
Photo of Card H.
Jan 27, 2014
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:
Jun 8, 2013
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: May 14th, 2015 at 9:55 EDT