The Bank of America Travel Rewards card is a no-annual-fee alternative to travel cards. It requires more effort to maximize than regular rewards cards but offers similar benefits. Additionally, preferred members of Bank of America’s Preferred Rewards program can receive higher earnings with the bank’s enhanced rewards program.
Bank of America® Travel Rewards
Unlimited points annual feeLike Capital One miles, the Travel Rewards card gives travelers flat-rate points for all purchases. These points can be redeemed for travel and dining up to 12 months prior. This can cover tourist attractions and other third-party travel bookings that many travel rewards can’t cover.
Other card details
The Bank of America Travel Rewards card is designed for ease of use. Its simple interface allows users to make purchases without confusion. With this card, you earn 1.5 points for every dollar spent on purchases. However, this isn’t the highest flat-rate rewards rate available. For Preferred Rewards program members, however, the rate can be increased.
Bank of America’s travel card gives its users access to Visa Signature Hotel Collection and professional concierge services. However, it doesn’t provide extravagant luxuries; instead, it’s intended for people who love to travel.
Learn more about B.o.A. Travel Rewards Credit Card
The Bank of America Travel Rewards card earns 1.5% of all purchases in points. Depending on their qualification level, Bank of America Preferred Rewards members receives a 25% to 75% bonus on all points earned.
To qualify for the lowest tier of the program, members must have at least $20,000 in eligible Bank of America or Merrill accounts. The highest tier requires balances of $100,000 or more.
New cardholders of the Bank of America Travel Rewards card receive a welcome bonus worth 25,000 online points after spending at least $1,000 in the first 90 days of opening their account.
Through the Bank of America Travel Rewards Card, travelers can earn points worth 1 cent each. These points can be used to redeem purchases for statement credits for flights, hotels, cruises, rental cars, and baggage fees.
Redemption options include gift cards and cash; however, these have lower rates. 2,500 points can be exchanged for $15, which is equivalent to 0.6 cents per point.
Other Benefits of the Card
- $0 Liability Guarantee: As long as reporting is timely, you will not be held responsible for unauthorized transactions
- FICO Score: Free monthly updates of your FICO score online or via the mobile app after registration
- Digital Wallet Technology: Use Apple Pay, Google Pay, or Samsung Pay to make purchases in stores or apps
- Visa Signature Benefits: As a Visa Signature Card, additional benefits include Extended Warranty Protection, Emergency Travel Assistance, Lost Baggage Reimbursement, Roadside Assistance, and Car Rental Insurance
- Concierge services and access to the Visa Signature Hotel Collection
- Travel and emergency assistance services
Learn how to apply
When applying for the Bank of America® Travel Rewards Credit Card, it’s essential to understand the process to ensure a smooth and successful application.
- Step 1: Check Your Credit Score Before applying, check your credit score. A good credit score increases your chances of approval. You can use free online tools to check your score.
- Step 2: Research the Benefits Understand the benefits of the Bank of America® Travel Rewards Credit Card. It offers points for travel purchases, making it ideal for frequent travelers. Visit the Bank of America website for detailed information.
- Step 3: Gather Necessary Documents Prepare essential documents like your Social Security number, income information, and employment details. This preparation makes the application process smoother.
- Step 4: Apply Online Visit the Bank of America website and navigate to the credit card section. Find the Travel Rewards Credit Card and click on ‘Apply Now’. Fill in the required details accurately.
- Step 5: Wait for Approval After submitting your application, there will be a processing period. Bank of America will notify you of their decision.
Conclusion
Applying for the Bank of America® Travel Rewards Credit Card is straightforward. Ensure you have a good credit score, understand the card’s benefits, prepare necessary documents, and apply online. Good luck!
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