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BECU Cash Back Credit Card vs Bank of America Travel Rewards
Both are well-respected travel cards. The BECU Cash Back Credit Card comes from BECU at $0/yr; the Bank of America Travel Rewards from Bank of America at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Cash Back Credit Card | Bank of America Travel Rewards |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back after $2,000 spend in 3 months | 25,000 points |
| Bonus value (est.) | $200 | $250 |
| Min spend to unlock bonus | $2,000 in 3 mo | $1,000 in 3 mo |
| Issuer | BECU | Bank of America |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1.5x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
Read the full review
Bank of America Travel Rewards
$0/yr · 25,000 points
Editorial take: Bank of America Travel Rewards
The no-fee version of Premium Rewards. Only shines with BoA's Preferred Rewards boost, otherwise the Capital One VentureOne or Wells Fargo Autograph beat it.
Common questions
- Which card has the bigger sign-up bonus, BECU Cash Back Credit Card or Bank of America Travel Rewards?
- The Bank of America Travel Rewards has the bigger bonus, 25,000 points, worth roughly $250, versus $200 cash back after $2,000 spend in 3 months (~$200) on the BECU Cash Back Credit Card.
- Is the BECU Cash Back Credit Card's $0 annual fee worth it compared to the Bank of America Travel Rewards?
- The BECU Cash Back Credit Card has no annual fee, so the question is whether the Bank of America Travel Rewards's $0 fee is justified by its perks. If you'll use enough of the Bank of America Travel Rewards's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Cash Back Credit Card.
- Can I have both the BECU Cash Back Credit Card and Bank of America Travel Rewards?
- Yes, since they're from different issuers (BECU and Bank of America) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Cash Back Credit Card or the Bank of America Travel Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Cash Back Credit Card: $2,000 spend in 3 months. Bank of America Travel Rewards: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.