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RewardZ Travel
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No Annual FeeVerified May 2026

Bank of America Travel Rewards

Bank of America Rewards
Bank of America|Personal
3.7/5
Annual Fee
$0
Sign-Up Bonus
25,000 points
Bonus Value
$250

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.

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Is this card worth it?
Annual fee
$0
Welcome offer
25,000 points
Est. value
$250
Best for
Travel

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.

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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).

Benefits and fees last verified May 2026against the issuer's published terms.

Our Take

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

1.5x
all purchases

At a glance

  • 1.5x everywhere
  • No annual fee
  • No foreign tx fees
  • Preferred Rewards boost

Bank of America Travel Rewards

Bank of America

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-05-23

No publishable welcome offer (no-current-offer).

Computed 2026-08-25T22:27:10.660Z from the facts above. This is a request-time answer, not something we monitor for you.

Earning rates

4
  • 1.5x
    everything 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)Show
  • 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.

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

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How we verified this card (2 sources)Show

Spotted something off? Report an issue. Read our verification methodology.

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

View Offer

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.

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