Bank of America · Visa

Bank of America® Travel Rewards credit card

Credit Signature 250 Points Bonus 0% Intro APR · 15 mo No Foreign Fees

$0 Annual Fee

19.24%–29.24% Variable Purchase APR

250 Welcome Bonus

670+ Recommended FICO

Points Reward Type

Welcome Bonus

250 Points

Welcome Bonus

Spend $1,000 in the first 90 days

Rewards

Reward TypePoints

Base Rate1.5x / 1.5%

Point Value~0.01¢ each

Travel Portal1x

ExpirationYour points don't expire.

Redemption NotesPoints are worth 1 cent each when redeemed for a statement credit to offset travel purchases. Points redeemed for cash back or gift cards will have a lower value.

Category	Rate	Type	Cap
All Other Purchases Earn 1.5 points for every $1 spent on all purchases.	1.5x	Points	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
Account Alerts Receive alerts for suspicious activity, payment due dates, and other important account information.	Account Management	Real-time notifications
Mobile Banking App Access Manage your account, pay bills, and monitor transactions on the go with the Bank of America Mobile Banking app.	Account Management	Account management on mobile
Free FICO Score Access Access your FICO Score for free within your online banking account or mobile app.	Financial	Free FICO Score
No Annual Fee The card has no annual fee.	Financial	$0 Up to $0
Cash Back Rewards Redemption Redeem points for cash back as a statement credit or direct deposit into a Bank of America checking or savings account.	Rewards	Cash back
Gift Card Rewards Redemption Redeem points for gift cards from various merchants.	Rewards	Gift cards
Introductory Bonus Points Offer Earn 25,000 bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. This can be redeemed for a $250 statement credit toward travel purchases.	Rewards	25,000 bonus points ($250 value) Up to $250
Points Do Not Expire Your points do not expire as long as your account remains open.	Rewards	Points never expire
Standard Rewards Earning Rate Earn unlimited 1.5 points for every $1 spent on all purchases.	Rewards	1.5 points per $1
Travel Rewards Redemption Redeem points for a statement credit to offset travel purchases made with your card. Travel purchases include flights, hotels, vacation packages, cruises, rental cars, and more.	Rewards	Statement credit for travel purchases
Chip Technology Enhanced security for in-store purchases with EMV chip technology.	Security	Enhanced security
Digital Wallet Compatibility Easily add your card to digital wallets like Apple Pay, Google Pay, and Samsung Pay for secure and convenient payments.	Security	Convenient and secure payments
Fraud Protection Zero liability for unauthorized transactions, ensuring you're not responsible for fraudulent charges.	Security	Zero liability
No Foreign Transaction Fees Avoid fees on purchases made outside the U.S.	Travel	0% foreign transaction fee Up to $0

Interest Rates

Intro Purchase APR for 15 months

Intro BT APR for 15 months

Purchase APR19.24%–29.24% Variable

Cash Advance APR29.99%

Min. Interest Charge$1.5

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 3% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood to Excellent

Approval OddsVery Good

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Student EligibleNo

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 7 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, bust-out behavior, excessive credit cycling, high cumulative credit limit across BoA cards, rapid succession of applications (violating 2/3/4 rule), not paying on time, defaulting on other BoA products, or any activity deemed to violate the cardholder agreement.

Cliff Effect Rules

The Bank of America Preferred Rewards program offers significant bonus multipliers on rewards for eligible Bank of America credit cards, including the Travel Rewards card. Tiers (Gold, Platinum, Platinum Honors, Diamond) are determined by combined balances in Bank of America banking and Merrill investment accounts. Higher tiers provide a 25% to 75% boost on base rewards, creating a substantial 'cliff effect' for those who consolidate assets with BoA.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

For 2026, the Bank of America Travel Rewards card is expected to maintain its typical welcome bonus of 25,000 points (redeemable for $250 in travel credit) after spending $1,000 within the first 90 days of account opening. Eligibility generally requires a good to excellent credit score (typically 670+ FICO), being 18 years or older, and having a valid SSN or ITIN. Bank of America's '2/3/4 Rule' is anticipated to remain in effect: applicants are generally limited to 2 new Bank of America credit cards in a 2-month period, 3 new cards in a 12-month period, and 4 new cards in a 24-month period. This rule applies across all Bank of America branded credit cards. While there isn't a strict published maximum for the total number of cards one can hold with Bank of America, practical limits exist based on overall credit exposure and individual creditworthiness.

Bank of America

Annual Fee

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Welcome Bonus 250 Points

APR 19.24%–29.24% Variable

More Bank of America Cards

Bank of America® Travel Rewards credit card

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

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