Bank of America Travel Rewards Review 2026: Is It Worth It?
The Bank of America Travel Rewards from Bank of America is one of the most competitive credit cards in the travel rewards cards category. With a rating of 7/10, it offers no annual fee and impressive rewards including 1.5x unlimited, 25-75% bonus with preferred rewards.
In this comprehensive review, we break down everything you need to know about the Bank of America Travel Rewards: rewards structure, fees, APR, welcome bonus, and how it compares to competitors. Whether you are looking for your first rewards card or adding to your wallet, this guide covers it all.
Bank of America Travel Rewards Overview
The Bank of America Travel Rewards is issued by Bank of America and is designed for consumers with Good-Excellent (670+). It carries a rating of 7/10 from our experts. For those with good to excellent credit, this card can be a valuable addition to your wallet.
| Feature | Details |
|---|---|
| Issuer | Bank of America |
| Annual Fee | $0 |
| Intro APR | 0% for 15 months |
| Regular APR | 18.24% - 28.24% Variable |
| Rewards | 1.5x unlimited, 25-75% bonus with Preferred Rewards |
| Welcome Bonus | 25,000 points after $1,000 in first 90 days |
| Credit Score | Good-Excellent (670+) |
| Foreign Tx Fee | 0% |
Rewards & Benefits Breakdown
The Bank of America Travel Rewards earns 1.5x unlimited, 25-75% bonus with preferred rewards. Here is the detailed breakdown of earning rates:
| Category | Reward Rate |
|---|---|
| All Purchases | 1.5x unlimited, 25-75% bonus with Preferred Rewards |
| Welcome Bonus | 25,000 points after $1,000 in first 90 days |
| Intro APR | 0% for 15 months |
| Credit Score | Good-Excellent (670+) |
Since this card has no annual fee, you can keep it forever without cost. Use it for travel to maximize value.
Fees & APR Analysis
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Purchase APR | 18.24% - 28.24% Variable |
| Balance Transfer APR | 0% for 15 months then 18.24% - 28.24% Variable |
| Foreign Transaction Fee | 0% |
Bank of America Travel Rewards vs Competitors
See how Bank of America Travel Rewards stacks up against similar cards.
| Card | Fee | Rewards | Bonus | Rating |
|---|---|---|---|---|
| US Bank Altitude Connect | $0 | 4x travel, 2x gas/grocery/dining, 1x else | 50,000 points after $2,000 in first 9... | 7/10 |
| Wells Fargo Autograph | $0 | 3x dining/gas/travel/transit/streaming/phone | 20,000 points after $1,000 in first 3... | 8/10 |
| JetBlue Plus | $99 | 3x JetBlue, 2x dining/grocery, 1x else | 50,000 points after $1,000 in first 3... | 7/10 |
| Citi AAdvantage Platinum | $99 | 2x AA/dining/gas, 1x else | 50,000 miles after $2,500 in first 3 ... | 7/10 |
| Citi Premier | $95 | 3x dining/groceries/gas/air/hotel | 60,000 points after $4,000 in first 3... | 8/10 |
Pros & Cons
✅ Pros
- Competitive rewards rate: 1.5x unlimited, 25-75% bonus with Preferred Rewards
- Welcome bonus: 25,000 points after $1,000 in first 90 days
- No annual fee
- No foreign transaction fees
- Generous intro APR: 0% for 15 months
❌ Cons
- Higher than average APR
The Bank of America Travel Rewards is best for consumers who want a simple, no-fee card with solid rewards. If you have Good-Excellent (670+) credit and spend $1281/month on average, this card could earn you significant value.
How to Apply for Bank of America Travel Rewards
Applying for the Bank of America Travel Rewards is straightforward. Here is the step-by-step process:
- 1
Check Your Credit Score
Before applying, check your credit score. You need Good-Excellent (670+) for the best approval odds.
- 2
Compare Your Options
Compare the Bank of America Travel Rewards with similar cards from other issuers to ensure it is the right fit.
- 3
Gather Required Information
You will need your Social Security number, income information, and address to apply.
- 4
Complete the Online Application
Visit Bank of America.com or the Bank of America mobile app. The application takes about 5-10 minutes.
- 5
Await Approval Decision
Most applicants receive an instant decision. If approved, your card will arrive in 7-10 business days.
Frequently Asked Questions
You need Good-Excellent (670+) credit to be approved for the Bank of America Travel Rewards. Approval is not guaranteed and depends on your overall credit profile.
Yes, with no annual fee, this card is worth keeping in your wallet indefinitely. Plus, the welcome bonus alone covers the first year's value.
The purchase APR is 18.24% - 28.24% Variable. There is an introductory APR of 0% for 15 months.
No, the Bank of America Travel Rewards does not charge foreign transaction fees, making it great for international travel.
Rewards can be redeemed through your Bank of America online account. Options typically include statement credits, gift cards, travel bookings, and direct deposits.
Conclusion
The Bank of America Travel Rewards is a solid choice in the travel rewards cards category. With no annual fee and competitive rewards, it offers good value for the right consumer.
We recommend this card for anyone with Good-Excellent (670+) credit looking for travel rewards on their everyday spending. Compare it with other cards in our list to find the best fit for your wallet.
The Bank of America Travel Rewards earns 1.5x unlimited, 25-75% bonus with preferred rewards. With a rating of 7/10, it is one of the better options in the travel rewards cards space. Recommended for consumers with Good-Excellent (670+) credit.