BA
Bank of America · Visa

Bank of America® Travel Rewards credit card

Credit Standard $25,000 Bonus 0% Intro APR · 15 mo No Foreign Fees
$0 Annual Fee
21.24%–29.24% Variable Purchase APR
$25,000 Welcome Bonus
670+ Recommended FICO
Points Reward Type
Browse Cards › Bank of America › Bank of America® Travel Rewards credit card

Welcome Bonus

$25,000
Welcome Bonus Value
Spend $1,000 in the first 90 days
Bonus Posted Bonus points are typically awarded within 8-12 weeks after you have met the spending requirement. They often appear on your statement within 1-2 billing cycles after the requirement is fulfilled.

Rewards

Reward Type Points
Base Rate 1.5x / 1.5%
Bonus Rate Up to 2.63x
Point Value ~0.01¢ each
Travel Portal 1x
Annual Cap $0
Expiration Points do not expire as long as your account is open and in good standing.
Transfer Partners None
Redemption Notes Points redeemed for cash back or gift cards are valued at 0.6 cents per point.
Category Rate Type Cap
Travel (Bank of America Travel Center)
Earn points on travel booked through the Bank of America Travel Center.
 3x Points No cap
All Purchases
Earn unlimited points on all eligible purchases.
 1.5x Points No cap

Benefits & Protections

No Foreign Fees
Benefit Category Value / Coverage
Account Alerts
Stay on top of your spending with customizable account alerts.
 Account Management —
Mobile Banking Access
Manage your account on the go with the Bank of America Mobile Banking app.
 Account Management —
Paperless Statements
Opt for paperless statements for convenient and eco-friendly account management.
 Account Management —
BankAmeriDeals®
Get cash back on everyday purchases at places you shop, dine and travel. Simply add the deals you want to your eligible card and use that card for your purchases.
 Discounts & Offers Cash back offers
No Annual Fee
There is no annual fee for this credit card.
 Fees $0
Up to $0
No Foreign Transaction Fees
Avoid foreign transaction fees when making purchases outside the United States.
 Fees $0
Up to $0
Free FICO® Score Access
Access your FICO® Score for free within your Mobile Banking app or online.
 Financial Tools Free
Up to $0
Digital Wallet Compatibility
Easily add your card to your digital wallet for convenient and secure payments.
 Payment Features —
Unlimited Points Earning
Earn an unlimited 1.5 points for every $1 spent on all purchases.
 Rewards 1.5 points per $1
Flexible Travel and Dining Redemptions
Redeem points for a statement credit to offset travel and dining purchases.
 Rewards Redemption —
Fraud Protection
Get fraud protection with $0 liability for fraudulent transactions.
 Security $0 liability
Up to $0

Interest Rates

0%
Intro Purchase APR for 15 months
0%
Intro Balance Transfer APR for 15 months
Purchase APR 21.24%–29.24% Variable
Balance Transfer APR 21.24%
Cash Advance APR 29.99%
Penalty APR 0%
Min. Interest Charge $1

Fees

Annual Fee $0 — No Annual Fee
Authorized User Fee Free
Foreign Transaction Fee None
Balance Transfer Fee Either $10 or 3% of the amount of each transfer, whichever is greater.
Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment Fee Up to $40
Returned Payment Fee Up to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850
300 Poor 580 Fair 670 Good 740 Very Good 800+ Exceptional
Approval Difficulty Moderate
Credit Profile Good
Approval Odds Very Good
Decision Time Instant
Pre-Qualification Not available
Student Eligible No
Co-Applicant Not allowed
Business Eligible No
Credit Limit Range $1,000 – $25,000

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 4 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending, excessive credit seeking (multiple applications across issuers in a short period), high cumulative credit limit across Bank of America products, defaulting on other Bank of America accounts, sudden large transactions inconsistent with spending patterns, or suspected fraud.
Cliff Effect Rules
The primary 'cliff effect' for Bank of America relates to its 2/3/4 application rule, limiting new card approvals within specific timeframes. While the Travel Rewards card earns a flat rate, other Bank of America cards (like the Customized Cash Rewards or Unlimited Cash Rewards) offer significant bonus multipliers through the Preferred Rewards program, which requires substantial assets with Bank of America. The Travel Rewards card itself does not directly benefit from Preferred Rewards multipliers on its earning rate, but a strong relationship with BoA can influence credit limit approvals across your portfolio.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
For 2026, Bank of America is projected to maintain its established application rules. Eligibility for the Bank of America Travel Rewards credit card typically requires a good to excellent credit score (generally FICO 670+), being 18 years or older, and a US resident. New cardholders are generally eligible for the welcome bonus; however, applicants are typically not eligible if they currently have the card or have received a welcome bonus for this specific card product within the last 24 months. Bank of America also enforces its '2/3/4 Rule' for new credit card applications: applicants cannot be approved for more than 2 Bank of America credit cards in the past 2 months, more than 3 cards in the past 12 months, or more than 4 cards in the past 24 months. This rule applies across all Bank of America credit card products.
Bank of America
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
Welcome Bonus $25,000
APR 21.24%–29.24% Variable
Quick Summary
Annual Fee Free
Rewards Points
Welcome Bonus $25,000
Intro APR 0% · 15 mo
Foreign Fees None
Min. FICO 670+
Network Visa
Card Type Credit
More Bank of America Cards