Bank of America® Travel Rewards Credit Card
Bank of America
Welcome Offer
Our take
A no-fee travel-rewards card with a simple structure and potential relationship boost. It can suit Bank of America customers who want uncomplicated travel statement credits and no foreign transaction fee. It is less attractive for people seeking transfer partners or richer category bonuses.
Best for
- ✓ Bank of America customers seeking no annual fee
- ✓ Travelers wanting straightforward statement-credit redemptions
- ✓ People needing no foreign transaction fee
Not ideal for
- — Transfer-partner enthusiasts
- — Heavy category spenders
- — People without enough relationship value to make the earning rate competitive
Conservative break-even test
There is no annual fee, so compare the effective earning rate at your actual relationship tier with competing no-fee cards. Include redemption restrictions and do not assume the highest relationship bonus unless you already qualify.
Is the Bank of America Travel Rewards Credit Card right for you?
The Bank of America Travel Rewards is a no-annual-fee cash-back card from Bank of America. It earns a flat 1.5% on purchases. With no fee, it only needs to beat the flat rate your current card already pays.
Who it's for
- ✓ Anyone who wants flat-rate rewards without paying an annual fee
- ✓ People who want one rate (1.5%) everywhere without tracking categories
Who should skip it
- — Travelers who prefer booking directly rather than through the issuer's travel portal
First-year value estimate
Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).
Assumptions
- $12,000 a year of purchases at 1.5%, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- No welcome bonus is listed in our record, so none is counted.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-24.
How it compares
Frequently asked questions
- Does the Bank of America Travel Rewards have an annual fee?
- No. Our record lists a $0 annual fee for the Bank of America Travel Rewards.
- What does the Bank of America Travel Rewards earn?
- A flat 1.5% on purchases.
- Is the Bank of America Travel Rewards worth it in the first year?
- Using our illustration ($12,000 of yearly spending), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
- What credit do I need for the Bank of America Travel Rewards?
- Our record lists "Good" credit as the typical target for the Bank of America Travel Rewards. Bank of America makes the final decision based on its own criteria.
Earning Rates
Insurance
Sources
- https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/
- https://upgradedpoints.com/credit-cards/reviews/bank-of-america-travel-rewards-credit-card/
Last Updated: Apr 24, 2026