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Bank of America Visa

Bank of America Travel Rewards credit card

The Bank of America Travel Rewards card is a no-annual-fee, no-foreign-transaction-fee travel card built on a flat 1.5 points per dollar, with points worth one cent each toward travel and dining statement credits. That makes it a simple 1.5% travel-erasing card that works cleanly abroad, and Preferred Rewards customers can push the rate as high as 2.62%. It carries no transfer partners or trip insurance, so it rewards simplicity rather than optimization.

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Bank of America Travel Rewards credit card card art
  • Annual fee
    Free
  • Welcome offer
    25,000 points
    $250 travel statement credit (25,000 points at 1 cent each)
    after $1,000 in 3 months
  • Recommended credit
    740-800
    Median 750. See why →

Earning rates

on Bank of America Travel Rewards Points
  • 3x
    Travel
    Via BofA Travel Center
  • 1.5x
    Everything else

Benefits and credits

Travel credits and perks

  • No foreign transaction fees

financing

  • Intro APR on Purchases and Balance Transfers

rewards

  • Points do not expire

Pricing and fees

Full Pricing and Terms
Purchase APR
17.49% to 27.49%
Foreign tx
None
Penalty APR (cap)
29.99%
Balance transfer
17.49% to 27.49%
Fee 5.00%
Cash advance
29.24%
Fee 5.00%
Late / returned
$41 · Not disclosed

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Not disclosed
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Not disclosed
  • Reports AU to bureaus
    Conditional
    Reports authorized-user activity to all three bureaus, but only once the AU is 18 or older (age floor, per BofA cardholder agreement). Treated as conditional, matching the chase no-minors precedent.
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of September 4, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.