Bank of Americard Travel Rewards Credit Card Review
Is the Bank of America® Travel Rewards credit card worth it?
The Banking concern of America® Travel Rewards credit card can be worth it for those who desire to earn generous, simple rewards for travel with no annual fee. After all, this carte lets members earn the aforementioned rewards on every purchase. Rewards are as well easy to use whether you travel far away or stick closer to domicile. Cardholders can redeem their rewards for whatever travel or dining purchase at a rate of i cent per point. Eligible purchases include flights, hotel stays, holiday rentals, baggage fees, dining and more.
Depository financial institution of America Preferred Rewards members have an even bigger incentive to sign upwards since they can earn 25% to 75% more rewards for each dollar spent. However, joining this program requires a minimum average daily balance of $20,000 in an eligible Banking concern of America account, and then most people won't qualify.
Earn 25,000 bonus points
With the Bank of America® Travel Rewards credit menu, you lot can earn 25,000 online bonus points after you make at to the lowest degree $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases.
Since points earned with this menu are worth 1 cent each when redeemed for travel or dining purchases, these points are worth $250 in restaurant bills, hotels, rental car charges or flights.
This bonus is non as high as many other travel credit cards on the market today, especially since some top travel credit cards are offering initial bonuses of $600 or more right now. Still, it's pretty standard amidst travel credit cards with no annual fee.
What information technology'south worth: $250
Who's eligible to earn this offer?: Customers opening a new account in response to this offer — the offer does not utilize to existing accounts. The fine print as well states that "your account must exist open with active charging privileges in lodge to receive this offer."
Depository financial institution of America too has some unpublished rules regarding sign-up bonuses and how many cards you can have:
- According to user reports, you lot can exist approved for two new cards within 2 months of business relationship opening, 3 new cards in a 12-calendar month period and four new cards every 24 months.
- You may likewise be express to vii new cards from Bank of America every 12 months if you lot're a checking or savings business relationship customer, or three new cards every 12 months if you're non.
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Earn 1.5X points for every $1 yous spend
With the Bank of America® Travel Rewards credit card, you can earn unlimited 1.five points per $ane spent on all purchases, with no almanac fee and no foreign transaction fees and your points don't expire.
Cardholders who spend a lot on travel can likewise earn 3 points per dollar spent on travel bookings made through the Bank of America Travel Heart.
While this is a decent charge per unit for a no-annual-fee carte, you lot tin practice much improve with a premium travel carte du jour, many of which justify their almanac fees with better rewards and more valuable redemption options.
The chart beneath shows how the Banking company of America® Travel Rewards credit card stacks upwards in rewards earned per $1 spent for the boilerplate consumer:
Average rewards earned per $ane spent
We estimate an earning rate for the average consumer based on U.S. Bureau of Labor data and multiply that by the value of each carte'south points or miles.
Banking company of America Preferred Rewards bonus
Yous tin can earn considerably more in rewards if you're a Bank of America Preferred Rewards client. The minimum average daily balance requirements are very high for this programme, but yous may be able to qualify if you motion your emergency savings or other accounts you accept to this bank.
The chart beneath shows how individuals who are eligible for this program tin earn 25% to 75% more than in rewards with their bill of fare, or up to two.62 points per dollar on everyday purchases.
| Preferred Reward Status | Bank of America business relationship minimum | Preferred Rewards bonus | Points earned per dollar spent | Points earned per dollar spent at the Bank of America travel center |
|---|---|---|---|---|
| None | No accounts or less than $twenty,000 | 0 | 1.5 | iii |
| Gold | $20,000 to $49,999 | 25% | 1.87 | 3.75 |
| Platinum | $50,000 to $99,999 | 50% | ii.25 | 4.v |
| Platinum Honors | $100,000 and up | 75% | 2.62 | 5.25 |
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The minimum average daily remainder requirements are very high for this plan, only you may be able to authorize if you motility your emergency savings or other accounts you have to this depository financial institution.\u003C\/p\u003E\n\due north\u003Cp\u003EThe nautical chart below shows how individuals who are eligible for this program can earn 25% to 75% more than in rewards with their card, or upwardly to 2.62 points per dollar on everyday purchases.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv course=\"ReactComponent--root\"\u003E\due north \u003Cdiv course=\"js-react-component-rendered js-react-component-SortableTable\" information-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"twenty%\" class=\"StyledHeaderCell-sc-nsptsd OqbC\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EPreferred Reward Status\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"20%\" form=\"StyledHeaderCell-sc-nsptsd OqbC\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EBank of America account minimum\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"i\" width=\"20%\" class=\"StyledHeaderCell-sc-nsptsd OqbC\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPreferred Rewards bonus\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"20%\" class=\"StyledHeaderCell-sc-nsptsd OqbC\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPoints earned per dollar spent\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"twenty%\" form=\"StyledHeaderCell-sc-nsptsd OqbC\"\u003E\u003Cdiv form=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPoints earned per dollar spent at the Bank of America travel centre\u003C\/bridge\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody grade=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"ane\" rowspan=\"1\" width=\"twenty%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003ENone\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"i\" width=\"twenty%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003ENo accounts or less than $20,000\u003C\/td\u003E\u003Ctd colSpan=\"i\" rowspan=\"1\" width=\"twenty%\" course=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"xx%\" class=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E1.5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"i\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003EGold\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003E$20,000 to $49,999\u003C\/td\u003E\u003Ctd colSpan=\"i\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E25%\u003C\/td\u003E\u003Ctd colSpan=\"ane\" rowspan=\"1\" width=\"20%\" course=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E1.87\u003C\/td\u003E\u003Ctd colSpan=\"one\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E3.75\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"ane\" rowspan=\"one\" width=\"20%\" course=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003EPlatinum\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"xx%\" course=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003E$fifty,000 to $99,999\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"twenty%\" grade=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E50%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" form=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E2.25\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"i\" width=\"twenty%\" class=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E4.5\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"one\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003EPlatinum Honors\u003C\/td\u003E\u003Ctd colSpan=\"one\" rowspan=\"1\" width=\"20%\" class=\"StyledBodyCell-sc-5cu9ee bEfFUh\"\u003E$100,000 and up\u003C\/td\u003E\u003Ctd colSpan=\"one\" rowspan=\"i\" width=\"xx%\" class=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E75%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"20%\" grade=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E2.62\u003C\/td\u003E\u003Ctd colSpan=\"ane\" rowspan=\"ane\" width=\"twenty%\" class=\"StyledBodyCell-sc-5cu9ee bGuMza\"\u003E5.25\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/tabular array\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\north \u003C\/div\u003E\n\due north \u003Cscript blazon=\"application\/json\" class=\"js-react-component\" data-component-proper name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[\"top\",\"summit\",\"top\",\"pinnacle\",\"top\"],\"columnWidths\":[\"twenty%\",\"20%\",\"20%\",\"twenty%\",\"twenty%\"],\"data\":[[\"Preferred Reward Condition\",\"Bank of America account minimum\",\"Preferred Rewards bonus\",\"Points earned per dollar spent\",\"Points earned per dollar spent at the Bank of America travel heart\"],[\"None\",\"No accounts or less than $20,000\",\"0\",\"i.v\",\"3\"],[\"Gold\",\"$20,000 to $49,999\",\"25%\",\"1.87\",\"3.75\"],[\"Platinum\",\"$fifty,000 to $99,999\",\"50%\",\"two.25\",\"4.5\"],[\"Platinum Honors\",\"$100,000 and 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Redeeming points
The Bank of America® Travel Rewards credit card makes redeeming points simple and flexible. You have several means to redeem rewards, though your best bet is cash rewards or travel statement credits, which give you a value of 1 cent per bespeak.
| Redemption category | Value per betoken | Minimum redemption corporeality |
|---|---|---|
| Travel | 1 cent | two,500 points |
| Greenbacks reward | one cent | ii,500 points |
| Souvenir cards | Varies | 3,125 points |
The travel category is extremely flexible, covering a broad diversity of categories, such every bit:
- Airlines
- Timeshares,
- Campgrounds
- Automobile rental agencies,
- Tour operators
- Buses
- Taxis
- Tolls and bridge fees
- Tourist attractions and exhibits similar zoos and art galleries
- Restaurants
Cardholders can redeem their rewards for travel or dining statement credits for upwards to 12 months past the date of purchases. Too, rewards won't expire as long every bit your account remains open and in good standing.
If you prefer direct cash back, you lot also accept the pick to get your rewards in the form of a check in the mail or a deposit into an eligible Bank of America checking or savings account or a Greenbacks Management Account with Merrill.
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Other benefits
The Depository financial institution of America® Travel Rewards credit bill of fare may not have as many perks as another credit cards for travel, just it does accept some benefits y'all should know about.
Like the vast majority of credit cards, the Bank of America® Travel Rewards credit card comes with $0 liability protection that protects cardholders confronting fraud. If a thief uses your carte or credit card number to make unauthorized purchases, you won't be liable for them.
To make payments more than convenient, the Banking concern of America® Travel Rewards credit carte du jour works with mobile wallets like Apple Pay, Google Pay and Samsung Pay.
This card also comes with contactless chip engineering science, which lets you but "tap" your card to pay when the contactless symbol is displayed.
Qualify for a 0% Intro APR for 15 billing cycles for purchases, after which you'll pay a 14.24% - 24.24% Variable APR on purchases. This perk can exist immensely helpful if you need to make a large purchase and pay information technology down over time.
As a cardholder, y'all can admission your FICO score for free through Bank of America mobile banking or the Banking company of America mobile app. Opt-in required.
Bank of America customers can utilize the Banking concern of America website or the helpful mobile app to monitor their purchases, pay their bill and more than. Note that the Bank of America mobile app boasts a rating of iv.6 out of 5 stars in Google Play and 4.8 out of 5 stars in the App Store.
The Bank of America® Travel Rewards credit bill of fare doesn't charge strange transaction fees when you lot apply it for purchases outside the Usa. This benefit is standard amid travel credit cards.
Finally, this card's lack of almanac fee is definitely worth noting. This means you lot can go on the Bank of America® Travel Rewards credit card for the long booty without paying for the privilege.
Drawbacks
- Rewards redemptions start at $25. Cardholders can only redeem their rewards if they have a minimum of 2,500 points. This minimum threshold can create a scenario where you accept to spend more than money on your bill of fare in club to cash in your points.
- All-time rewards rates aren't for everyone. This bill of fare's best earning rates are for Bank of America Preferred Rewards members with at least $20,000 on deposit with the depository financial institution.
- Some flexible travel credit cards offer a college apartment rate of rewards. Some travel credit cards offering a higher rewards rate on everyday purchases.
- No major travel benefits. Plenty of travel credit cards offer some travel perks for cardholders, although annual fees are typically charged as a result.
- No manner to maximize rewards. Unlike some rewards cards, you tin can't increment your betoken earnings past spending more than in certain categories. You also can't transfer Bank of America points to increase their value. Your points are worth ane cent each at most.
What credit score do you need for the Depository financial institution of America® Travel Rewards credit card?
Applicants volition need Excellent/Adept credit (a score of at least 680 to qualify for the card.
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How does the Banking company of America® Travel Rewards credit card compare to other cards?
The Bank of America® Travel Rewards credit carte du jour definitely has its share of pros, merely how does it actually stack up to the competition? We answer that question by comparing information technology to three other popular travel and rewards credit cards below.
Depository financial institution of America® Travel Rewards credit card vs. Bank of America® Premium Rewards® credit card
Verdict: More rewards and better travel perks for an annual fee
The Bank of America® Premium Rewards® credit card offers a college bonus offer, and cardholders Earn unlimited 2 points for every $one spent on travel and dining purchases and unlimited one.5 points per $1 spent on all other purchases. Members besides get upward to $200 in travel credits for incidental airline purchases and Global Entry or TSA Precheck membership.
However, a $95 almanac fee applies, so this carte du jour may only be worth it if y'all spend a lot on travel and dining and can take advantage of the perks.
How does it compare?
- Annual fee: $95 (Worse)
- Welcome bonus: 50,000 online bonus points - a $500 value - after y'all make at to the lowest degree $three,000 in purchases in the get-go xc days of account opening. (Better)
- Rewards earned/$1 spent: $0.016 (Amend)
- Other benefits: $100 in airline incidental credits, $100 credit toward Global Entry or TSA Precheck, no foreign transaction fees (Better)
Bank of America® Travel Rewards credit card vs. Hunt Sapphire Preferred® Menu
Verdict: A more than rewarding travel rewards menu
The Chase Sapphire Preferred® Carte offers a much better welcome bonus, too every bit better earning opportunities. Cardholders earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases and 1x points on everything else.
Some other major benefit of this card is the fact that Chase Ultimate Rewards® points can be transferred to airline and hotel partners like British Airways, United MileagePlus, Earth of Hyatt and Marriott Bonvoy. A $95 annual fee applies.
How does information technology compare?
- Annual fee: $95 (Worse)
- Welcome bonus: Earn 80,000 bonus points later you lot spend $four,000 on purchases in the outset 3 months from account opening. That's $ane,000 when you redeem through Chase Ultimate Rewards®. (Ameliorate)
- Rewards earned/$one spent: $0.025 (Better)
- Other benefits: $50 hotel statement credit each account anniversary year (Meliorate)
Bank of America® Travel Rewards credit card vs. Capital letter 1 VentureOne Rewards Credit Carte
Verdict: Lower rewards rate, but more flexible, transferable points
For those who desire a simple travel rewards card, the Capital letter One VentureOne Rewards Credit Card is the less rewarding selection. It offers a lower initial bonus offering and lower earning rate with the same $0 almanac fee.
However, the card has one major advantage: Information technology lets users transfer points at a ane:i ratio to fifteen+ airline and hotel partners. Cardholders can leverage this option to get a higher value than 1 cent per signal, and stretch their travel rewards much farther.
How does information technology compare?
- Annual fee: $0 (Same)
- Welcome bonus: Earn a bonus of xx,000 miles once you spend $500 on purchases inside 3 months from business relationship opening, equal to $200 in travel (Worse)
- Rewards earned/$one spent: $0.0125 (Worse)
- Other benefits: No strange transaction fees, travel accident insurance, extended warranties (Improve)
Should you use for the Bank of America® Travel Rewards credit card?
If you desire to earn flexible rewards for travel without an annual fee, y'all should consider applying for the Depository financial institution of America® Travel Rewards credit bill of fare. If you want to be able to redeem your rewards for whatever travel you desire without worrying over coma dates or specific loyalty program rules, this may also exist the card for you.
Of course, Banking company of America Preferred Rewards members have an even greater incentive to sign up due to the elevated earning rates.
With that being said, it never hurts to compare other rewards credit cards, including other travel credit cards with no almanac fee. Make certain to compare all the best options, including their rewards and perks, before y'all decide.
Banking concern of America® Travel Rewards credit card Ofttimes Asked Questions (FAQs)
How do I use my Bank of America travel rewards?
This bill of fare lets yous redeem your rewards for travel statement credits, a check in the mail, a transfer to an eligible Bank of America or Merrill account, or gift cards.
Do Bank of America® Travel Rewards credit menu points expire?
According to Bank of America, your points won't elapse as long every bit your business relationship is open up with active charging privileges.
Is the Bank of America® Travel Rewards credit card a expert card?
Considering the fact y'all can earn rewards with this bill of fare with a $0 annual fee, the Bank of America® Travel Rewards credit card is a "expert" credit card past most measures.
Does the Bank of America® Travel Rewards credit bill of fare offering motorcar insurance?
The Bank of America® Travel Rewards credit card does not offer whatever auto insurance protection for cardholders. However, there are other credit cards that offering rental machine insurance every bit a cardholder perk.
How much is 25,000 travel points?
With the Banking concern of America® Travel Rewards credit card, 25,000 points are worth $250 in travel statement credits.
What qualifies equally travel with Depository financial institution of America?
According to Banking concern of America, travel purchases tin include "airlines, hotels, motels, timeshares, trailer parks, motorhome and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of rider trains, buses, taxis, limousines, ferries, gunkhole rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like fine art galleries, amusement parks, carnivals, circuses, aquariums, zoos, eating places and restaurant, drinking places, bars, taverns, cocktail lounges, nightclubs, discotheques and fast food restaurants."
The information related to Bank of America® Travel Rewards credit carte du jour and Bank of America® Premium Rewards® credit card has been independently collected past ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms use to American Express credit menu offers. Encounter americanexpress.com for more information.
Source: https://www.valuepenguin.com/travel/bank-of-america-travel-rewards-credit-card
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