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Bank of America Travel Rewards Card

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welcome offer

Earn 25,000 points after spending $1,000 within the first 3 months. Intro 0% APR for 18 months on purchases and balance transfers (after that 16.24% to 26.24% variable).

Bonus Value

Approximately $250

Annual Fee

$0

Card Rewards

Unlimited 1.5 points on all purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

With the Bank of America Travel Rewards card you can earn unlimited 1.5 points unlimited on all purchases you make, anywhere and at any time. Then redeem those points towards travel of your choice. Benefits include no foreign transaction fees, plus the standard Visa Signature benefits.

Card-Smart Tips & Advice
  • Max cards: Bank of America will only approve you for 2 Bank of America personal cards within 2 months, 3 Bank of America personal cards within 12 months, and 4 Bank of America personal cards within 24 months
  • You cannot get approved for a personal Bank of America card if you have more than 5 Bank of America personal credit cards open
  • BOA 2/6 cards in 12 months rule: Bank of America will not approve you for their credit card if you opened more than 2 cards in the past 12 months, even if it’s from other issuers. Unless you are a BOA bank account holder, then you can get approved even if you opened up to 6 cards in 12 months
  • 24 month rule: The Bank of America Travel Rewards Card may not be available to you if you currently have or have had the Bank of America Travel Rewards Card in the past 24 month period. Based on these terms it seems that you have had to close the card at least 24 months ago to be eligible for a new one
  • Apply for two cards: If you apply for one Bank Of America card and get approved, it is recommended to apply for a second card since Bank Of America is very good about approving for two cards, even within the same day

  • Credit bureau: Bank Of America will usually pull your Experian credit report (If you freeze Experian then Bank Of America will pull your TransUnion credit report)
  • Combining same-day credit inquiries: Credit inquiries for all Personal BOA cards for applications within 30 days will be combined
  • Check application status: You can check your application status  here
  • Reconsideration: If declined you can call 1-888-762-5486 to be reconsidered
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  • Quickest way to get my card: You can request Bank of America to expedite your physical card by calling Bank of America customer service. Bank of America will in most cases not offer an instant credit card number for your new card.

Approval Monitor (submitted by HelpMeBuildCredit users)

77% Approved
748 Avg. Score of those approved
23% Denied
Approved 77% (10)
Denied 23% (3)

Credit limit range $500-$24,000

Avg. Credit limit$13,320

Approved 77% (10)
Denied 23% (3)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Balance Transfer Terms
  • Balance transfer fee: Intro fee for 3% or $10, whichever is greater for transfers completed within the first 60 days
  • Penalty APR
Welcome Offer Eligibility
The Bank of America Travel Rewards Card may not be available to you if you currently have or have had the Bank of America Travel Rewards Card in the past 24 month period. Based on these terms it seems that you have had to close the card at least 24 months ago to be eligible for a new one.
Card Details And Benefits
Rewards

- Unlimited 1.5 points on all purchases

Foreign Transaction Fee

No foreign transaction fee.

Extra Redemption Value

Bonus rewards with Bank Of America Preferred Rewards. Platinum Honors members ($100,000 or more in your Bank of America accounts) earn 75% more rewards on all purchases, Platinum members ($50,000 or more in your Bank of America accounts) earn 50% more rewards on all purchases, Gold members ($20,000 or more in your Bank of America accounts) earn 25% more rewards on all purchases.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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