Bank of America Travel Rewards
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening — redeemable as a $250 statement credit toward travel and dining purchases (points value fixed at 1¢ each).
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.
Earning Rates
At a glance
- 1.5x everywhere
- No annual fee
- No foreign tx fees
- Preferred Rewards boost
Earning rates
4- 1.5xeverything else
Earn unlimited 1.5 points per $1 spent on all purchases, everywhere, every time — no rotating categories, no caps, no enrollments to track.
- 1.875%
Preferred Rewards bonus (Gold tier, $20K+ in BoA deposit / Merrill investment assets): earn an extra 25% on every purchase — effective 1.875 points per $1.
- 2.25%
Preferred Rewards bonus (Platinum tier, $50K+ combined balances): earn an extra 50% on every purchase — effective 2.25 points per $1.
- 2.625%travel
Preferred Rewards bonus (Platinum Honors tier, $100K+ combined balances): earn an extra 75% on every purchase — effective 2.625 points per $1, which is competitive with $95-AF travel cards for everyday spend.
Statement credits
1- Points are worth a fixed 1 cent each when redeemed as a statement credit against eligible travel and dining purchases (flights, hotels, vacation rentals, car rentals, baggage fees, restaurants, takeout, food delivery).
Perks & memberships
4- No foreign feesNo foreign transaction fees on any purchases made outside the United States, making this a viable companion card for international trips.
- Points longevityPoints never expire as long as the account remains open — no use-it-or-lose-it pressure.
- ConciergeVisa Signature card with access to Visa Signature Concierge service 24/7 by phone for travel, dining, and entertainment requests.
- Authorized usersAdd authorized users at no additional cost; their purchases earn points into the primary cardholder's account at the same earning rates.
Travel & purchase protections
3- $0 fraud liability for unauthorized charges, with real-time account alerts and instant card lock via the BoA mobile app.
- Travel and Emergency Assistance Services via Visa Signature: 24/7 hotline that helps coordinate medical, legal, and travel referrals while traveling (cardholder pays third-party service costs).
- Roadside Dispatch via Visa Signature: pay-per-use roadside assistance dispatch hotline (per-incident service fee applies).
More benefits & fine print (5)ShowHide
- No minimum redemption amount — you can apply points against any qualifying travel or dining purchase as soon as the transaction posts.
- Redemption window: statement-credit redemptions must be applied to eligible travel/dining purchases that posted within the last 12 months.
- Digital wallet provisioning supported during the application process so an approved card can often be used within minutes of approval, before the physical card arrives.
- BoA card application 2/3/4 rule applies: BoA limits new cards to 2 per 2 months, 3 per 12 months, 4 per 24 months per applicant — plan applications accordingly if pairing with other BoA products.
- Pairs efficiently with the no-AF BoA Customized Cash Rewards and a Merrill Edge Self-Directed brokerage account (free to open) — moving $100K of investable assets to Merrill can unlock the Platinum Honors 75% bonus without paying a card annual fee.
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How to Earn the Bonus
Spend $1,000 in the first 3 months to earn the 25,000 points bonus.
See the Current Offer
Earn 25,000 points
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