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Simple, flexible travel rewards with no annual fee
Unlimited 1.5X points on every purchase
Earn 1.5 points per dollar on all purchases, with no caps and no point expiration while the account is open.
3X points on Bank of America Travel Center bookings
Get 3 points per dollar on eligible travel booked through the Bank of America Travel Center, boosting rewards on flights, hotels and more.
Valuable welcome bonus for new cardholders
Earn 25,000 bonus points after $1,000 in purchases within 90 days, worth $250 in statement credits toward travel.
No annual fee and no foreign transaction fees
Pay no annual fee and avoid foreign transaction fees on purchases made abroad or in foreign currencies.
How the Bank of America Travel Rewards Credit Card Works
The Bank of America Travel Rewards credit card is designed for U.S. consumers who want uncomplicated travel rewards they can use almost anywhere, without paying an annual fee. Every purchase earns at least 1.5 points per dollar, whether you’re buying groceries, gas or streaming subscriptions, and those points never expire as long as the account stays open. For travel booked through the Bank of America Travel Center, the card steps up to 3 points per dollar, giving you a built-in bonus whenever you’re willing to book through the issuer’s portal.
New applicants can qualify for a welcome offer of 25,000 online bonus points after spending $1,000 in the first 90 days. When redeemed as a statement credit against travel purchases, those points are typically worth about $250, effectively giving you 25% back on that initial spend. For a no-annual-fee travel card, this is a strong first-year incentive, especially for occasional travelers who don’t want the pressure of a high minimum spend.
One of the card’s biggest advantages is flexibility. Instead of dealing with airline or hotel programs, you simply use the card for eligible travel or dining purchases and then redeem points for a statement credit that offsets those charges. Travel is broadly defined, often including expenses like vacation rentals, baggage fees, amusement parks and other experiences, while eligible dining can range from sit-down restaurants to takeout. This setup lets you book trips however you want—directly with airlines, through third-party sites or via the Travel Center—without worrying about blackout dates or loyalty restrictions.
The card also includes a promotional 0% intro APR for 15 billing cycles on purchases and on balance transfers made in the first 60 days. After that, a variable APR applies based on your credit profile. This intro window can be helpful if you’re planning a larger trip and prefer to spread the cost over several months, though it’s still best practice to pay in full when possible.
For Bank of America Preferred Rewards clients, the Travel Rewards card becomes even more powerful. By maintaining qualifying balances across eligible Bank of America and Merrill accounts, you can receive a 25% to 75% rewards bonus on every purchase, turning the base 1.5X earn rate into as much as 2.625X on everyday spending and even more on Travel Center bookings. That combination of no annual fee, no foreign transaction fees and boosted earnings makes the card especially attractive for customers already banking with Bank of America.
Travel More for Less
The Bank of America Travel Rewards credit card is built for people who want their everyday spending to quietly fund future trips, without paying for a premium travel card. It combines a straightforward 1.5X earn rate on all purchases with a boosted 3X rate on travel booked through the Bank of America Travel Center, meaning you don’t have to juggle rotating categories or complicated bonus calendars. On top of that, the welcome bonus of 25,000 points after $1,000 spent in the first 90 days creates a strong on-ramp: just by moving normal expenses onto the card, many cardholders can unlock roughly $250 in travel statement credits within the first few months.
For frequent or aspiring travelers, the lack of an annual fee and the absence of foreign transaction fees are major advantages. Many no-fee cards either skip travel benefits altogether or quietly add 3% fees to foreign purchases; here, you get a card that works at home and abroad without that extra cost. If you’re already banking with Bank of America, the value can grow even more. Preferred Rewards members who keep qualifying balances across eligible accounts can earn between 25% and 75% more on every purchase, effectively transforming the card into a high-earning travel tool without changing how they spend.
Imagine using this card for groceries, gas, streaming services and the occasional dinner out, then applying those accumulated points toward flights, hotels, vacation rentals or baggage fees when it’s time to travel. You retain full flexibility to book with your preferred airlines, hotels or third-party sites and then simply redeem points as statement credits to offset the costs. There are no blackout dates, no room-type restrictions and no need to learn the nuances of multiple loyalty programs.
If you’re ready to turn everyday spending into future trips, this card offers a low-maintenance path to do it. Consider your travel goals, your existing bank relationships and how much you typically charge to a credit card each month. If you value simplicity, no annual fee, no foreign transaction fees and flexible redemptions—especially as a Bank of America customer—the Bank of America Travel Rewards credit card can be a smart next step toward more affordable travel. Use it consistently, pay your balance in full whenever possible and let your points quietly build toward your next getaway.