How to Apply for your Bank of America Travel Rewards Credit Card

The Bank of America Travel Rewards Credit Card is an excellent choice for those who value simplicity, versatility, and transparency in their credit card experience. Issued by one of the most reputable financial institutions in the United States, this card caters to a wide array of customers—from seasoned travelers and avid foodies to individuals aiming to maximize everyday purchases. Built on the globally recognized Visa network, it guarantees broad merchant acceptance, both domestically and internationally.

What makes this credit card stand out is its user-friendly approach to earning and redeeming rewards, coupled with the significant advantage of having no annual fee. Cardholders can enjoy earning travel rewards without the burden of complicated restrictions or blackout dates. Additionally, with Bank of America’s comprehensive support via both digital platforms and physical branches, the card offers a seamless financial tool for both occasional spenders and dedicated travel enthusiasts.

Key Features and Primary Benefits

The most notable strengths of this card lie in its accessibility and the simplicity of its rewards program. Users earn an unlimited 1.5 points per dollar spent on every purchase, eliminating the need to monitor rotating categories or enroll in special promotions. With no annual fee and no foreign transaction fees, the card is both cost-effective and convenient for global use.

Points earned can be redeemed as statement credits toward a wide variety of travel and dining expenses, offering remarkable flexibility. Importantly, for Bank of America customers participating in the Preferred Rewards program, additional bonus points can be accrued, substantially enhancing the card’s overall value.

A Closer Look at the Card’s Benefits

Straightforward Rewards Earning

The card offers a flat rate of 1.5 points for every dollar spent across all purchase categories. This structure eliminates complexity, making it easy for cardholders to accumulate rewards through both everyday spending and special occasions, without having to enroll in quarterly promotions or monitor spending categories.

Flexible Redemption Options

Cardholders enjoy the freedom to redeem points as statement credits against a wide array of travel-related expenses—including airfare, hotel stays, vacation rentals, baggage fees—as well as dining purchases, both in-person and for takeout. This breadth ensures that your rewards fit seamlessly into your lifestyle.

Points That Never Expire

As long as the account remains active, reward points do not expire, allowing cardholders to save up for larger, future redemptions without fear of losing their accrued benefits over time.

No Blackout Dates or Redemption Restrictions

Unlike many traditional travel rewards cards, this one imposes no blackout dates or specific airline/hotel restrictions, offering unparalleled flexibility. You can book your travel whenever and wherever you like.

No Foreign Transaction Fees

Ideal for international travelers, the card waives foreign transaction fees, allowing users to make purchases abroad without incurring additional costs.

Enhanced Rewards for Preferred Rewards Members

Participants in Bank of America’s Preferred Rewards loyalty program can unlock additional bonus points, further amplifying the value of their spending and providing enhanced rewards for customer loyalty.

Global Acceptance through Visa Network

Operating on the Visa network, the card is accepted at millions of locations worldwide, offering reliability and convenience no matter where your travels take you.

Introductory APR Offer

The card features an attractive 0% introductory APR for the first 15 billing cycles on both purchases and balance transfers made within 60 days of account opening. After this period, a variable APR between 18.24% and 28.24% applies. Balance transfers come with a 3% introductory fee during the first 60 days, increasing to 4% thereafter.

Sign-Up Bonus

New cardholders can earn 25,000 online bonus points, equivalent to a $250 credit toward travel and dining purchases, by spending $1,000 within the first 90 days of account opening.

Eligibility Criteria and Application Requirements

To qualify for the Bank of America Travel Rewards Credit Card, applicants must meet several standard requirements. Generally, a good credit score is necessary to increase approval chances. Applicants must also be at least 18 years old (age requirements may vary by state), and a U.S. citizen or resident with a valid Social Security Number or ITIN.

Additional requirements include proof of income, a government-issued photo ID, and current address documentation. While anyone meeting these criteria may apply, those with an existing relationship with Bank of America or a strong credit history may have better odds of approval and may qualify for a higher initial credit limit.

Applications can be easily submitted through the Bank of America website or at one of their many physical branches across the country.

About Bank of America

Founded in 1904, Bank of America has grown into one of the most influential and enduring names in the American financial industry. With its headquarters in Charlotte, North Carolina, the institution serves millions of clients throughout the United States and around the world.

The bank offers a comprehensive suite of financial services, including checking and savings accounts, loans, investment services, mortgage lending, and a variety of credit card products—both proprietary and co-branded. Known for its technological innovation, Bank of America serves millions of digital customers and provides a highly rated mobile banking app for convenient account management.

Balancing a robust physical presence through thousands of branches and ATMs with cutting-edge digital services, Bank of America remains at the forefront of modern banking, delivering reliable service and support across all customer touchpoints.

Who Should Consider This Card?

The Bank of America Travel Rewards Credit Card is ideal for those who appreciate straightforward rewards programs and prefer to avoid both annual fees and foreign transaction fees. It’s especially well-suited for frequent travelers, students, young professionals, and individuals new to credit cards who want a simple way to earn travel rewards without navigating complex restrictions.

Additionally, loyal Bank of America customers seeking to maximize their returns through the Preferred Rewards program will find extra value with this card. If you’re looking for a hassle-free, flexible travel rewards card with no hidden fees, this option is worth serious consideration.

APPLY NOW

How to Apply: Step-by-Step Guide

1. Navigate to the official Bank of America Travel Rewards Credit Card application page.
2. Select “Apply Now” and complete the secure online form with your personal and financial details such as name, address, income, Social Security Number, and employment status.
3. Carefully review the terms and conditions before submitting your application.
4. Submit the form and wait for a decision. Some applicants may need to provide additional documentation for verification purposes.
5. Once approved, your card will be mailed to you. You can then activate and manage it through Bank of America’s website or mobile app.

Pros and Cons

Pros

• No annual fee, making it an affordable long-term option.
• No foreign transaction fees, ideal for international travelers.
• Simple flat-rate rewards on all purchases without tracking categories.
• Flexible redemption options for both travel and dining expenses.
• Enhanced rewards for Preferred Rewards members.
• Strong customer support through both digital platforms and a broad physical network.

Cons

• No elevated earning categories beyond the flat 1.5x rate.
• Lacks premium travel perks such as lounge access or travel insurance.
• Approval may require a good to excellent credit score.
• Introductory offers are time-sensitive and may change, so staying updated is essential.

Activating Your New Card

Once approved, activating your Bank of America Travel Rewards Credit Card is quick and easy. Simply log in to your account through the Bank of America website or mobile app. First-time users can register their account online. Alternatively, you can activate the card by calling the dedicated phone line provided with your card package.

Using the mobile app also enables you to set up digital wallet features and receive real-time transaction alerts for better account management.

Fees and Important Charges

• Annual Fee: None
• Introductory APR: 0% for the first 15 billing cycles on purchases and balance transfers (if made within 60 days).
• Ongoing APR: After the intro period, a variable APR between 18.24% and 28.24% applies.
• Balance Transfer Fee: 3% during the introductory period, increasing to 4% afterwards.
• Foreign Transaction Fees: None
• Late Payment Fee: Up to $40

Customer Service and Support

APPLY NOW

For assistance, Bank of America offers multiple support channels:

• General Inquiries: 1-800-732-9194
• Application Assistance: 1-800-932-2775
• International Support: 1-302-738-5719 (note that roaming charges may apply)

Whether you’re activating your card, managing your account, or seeking help with transactions, Bank of America’s dedicated customer service team is available to support you.