Bank of America Travel Rewards credit card
The Bank of America Travel Rewards credit card has no annual fee and no foreign transaction fee, and earns 1.5 points per $1 on purchases and 3 points per $1 on purchases made through the Bank of America Travel Center 2. Points are worth the most when redeemed as a statement credit against travel and dining purchases 2.
Contents9 sections
At a glance
| Annual fee | $02 |
|---|---|
| Foreign transaction fee | None2 |
| Rewards | Earns unlimited 1.5 points per $1 on purchases and 3 points per $1 on purchases made through the Bank of America Travel Center. |
| Rewards program | Bank of America Travel Rewards |
| Network | Visa |
| Issuer | Bank of America · Official card page |
What to know about the Travel Rewards
All net purchases earn 1.5 points per $1 with no cap 2. Bookings made through the Travel Center earn 3 points per $1, made up of 1.5 bonus points and 1.5 base points, again with no limit 2.
A travel credit, applied as a statement credit to offset travel and dining purchases from the previous 12 months, values each point at $0.01, so 2,500 points cover $25 2. Redeeming for cash values each point at $0.006, so the same 2,500 points pay $15 2. Travel credits and cash redemptions start at 2,500 points, and gift cards at 3,125 points 2. Points do not expire while the account remains open with active charging privileges 2.
Purchases in a foreign currency carry no fee, which matters for a card meant for travel 2. BofA Rewards, the relationship program that replaced Preferred Rewards on or about May 26, 2026, can add a 10%, 25%, 50% or 75% bonus to points on eligible cards, depending on tier 73. Membership requires an eligible Bank of America checking account 4.
The issuer names two protections for the card: the $0 Liability Guarantee for unauthorized transactions and FICO Score access for primary cardholders 25. Its terms say other benefit details accompany new account materials 2.
Earning rewards
| Rate | On |
|---|---|
| 3x points per $1 | Purchases made through the Travel Center1.5 bonus points plus 1.5 base points; no limit on bonus points2 |
| 1.5x points per $1 | All purchases2 |
Points redeemed as a travel credit (statement credit against travel and dining purchases made in the prior 12 months) are worth $0.01 each; points redeemed for cash are worth $0.006 each (2,500 points = $15). Travel credit and cash redemptions start at 2,500 points; gift cards at 3,125 points. Points do not expire while the account remains open with active charging privileges.2
Account features
| Zero fraud liability | $0 Liability Guarantee for unauthorized transactions; claims must be reported promptly and may be subject to dollar limits and verification.2 |
|---|---|
| Free credit score | FICO Score available through Online Banking and the Mobile Banking app for primary cardholders of open, active consumer credit card accounts (educational purposes).5 |
Other perks
| BofA Rewards credit card rewards bonus | BofA Rewards members (requires an eligible Bank of America checking account) receive a credit card rewards bonus of 10% (Member tier, no minimum balance), 25% (Preferred Plus, $30,000), 50% (Preferred Honors, $100,000) or 75% (Premier, $1,000,000) based on combined average balances in qualifying deposit and Merrill investment accounts. For cash rewards cards the bonus is applied after all base and bonus cash rewards are calculated; it does not apply to account opening bonuses or certain program bonus earn. Program Rules govern; BofA Rewards publishes a list of ineligible cards.3 |
|---|---|
| Preferred Rewards became BofA Rewards | On or about May 26, 2026, Bank of America Preferred Rewards became BofA Rewards; enrolled Preferred Rewards members were moved to the new program automatically. Enrollment in BofA Rewards opened May 27, 2026.7 |
| BofA Rewards tier balance requirements | Member: no minimum; Preferred Plus: $30,000; Preferred Honors: $100,000; Premier: $1,000,000 combined average balance.4 |
| Card promoted for BofA Rewards | The product page promotes the BofA Rewards rewards bonus for this card.1 |
Other versions of this card
Bank of America also offers the Bank of America Travel Rewards credit card for Students and the Bank of America Travel Rewards Visa secured credit card. They earn rewards on the same terms as the card above; these are the differences Bank of America lists.
Bank of America Travel Rewards credit card for Students
| Annual fee | $09 |
|---|---|
| Foreign transaction fee | None9 |
| What differs | Bank of America offers this version as a credit card for students 8. Its terms match the main card: no annual fee, no foreign transaction fee, 1.5 points per $1 on purchases and 3 points per $1 through the Travel Center, with the same redemption values 9. |
Bank of America Travel Rewards Visa secured credit card
| Annual fee | $011 |
|---|---|
| Foreign transaction fee | None11 |
| What differs | This secured version keeps the 1.5 and 3 points per $1 earning, no annual fee and no foreign transaction fee, but requires a security deposit of $200 to $5,000 that, with income and ability to pay, sets the credit limit 1110. The bank periodically reviews your credit history to decide whether to return the deposit while you keep using the card, and may consider the account for automatic upgrade 11. Closing the account after paying in full returns the deposit within up to two billing cycles plus ten days 11. |
| Credit line reviews | The bank periodically reviews overall credit history to decide whether to return the security deposit while you keep using the card (not all customers qualify), and the account may periodically be considered for automatic upgrade at the bank's discretion. Paying in full and closing the account also returns the deposit, which can take up to two billing cycles plus ten days.11 |
| Security deposit | Minimum security deposit of $200, maximum $5,000; credit limit determined by the deposit, income and ability to pay.10 |
Not listed for this card
The Bank of America pages and benefit terms we checked for the Travel Rewards do not list these benefits:
- Rental car coverage
- Trip cancellation and interruption
- Trip delay
- Baggage delay
- Lost or damaged luggage
- Travel accident insurance
- Emergency evacuation and medical
- Travel and emergency assistance
- Roadside assistance
- Cell phone protection
- Purchase protection
- Extended warranty
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
- Hotel benefits program
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Bank of America, Bank of America Travel Rewards credit card Checked Oct 10, 2026 · Back to text ↑
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- 4 Bank of America, BofA Rewards - Personalized Banking Benefits & Rewards Checked Oct 10, 2026 · Back to text ↑
- 5 Bank of America, Credit Card Account Information FAQ from Bank of America Checked Oct 10, 2026 · Back to text ↑
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- 8 Bank of America, Bank of America Travel Rewards credit card for Students Checked Oct 10, 2026 · Back to text ↑
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- 10 Bank of America, Bank of America Travel Rewards Visa secured credit card Checked Oct 10, 2026 · Back to text ↑
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