Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card review

Written by: Re'Dreyona Walker

Edited by: Tracy Stewart

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In a Nutshell:

  You can travel anytime you want with this flexible travel card: The Bank of America Travel Rewards credit card sets itself apart from other travel cards by doing away with restrictive travel policies and letting you book your rewards-funded travel yourself.

Learn more about this card

Other Notable Features: No foreign transaction fees, Visa Signature benefits, EMV chip card with the ability to add a PIN for international travel, auto rental collision damage waiver, roadside dispatch, lost luggage reimbursement, concierge services

The Bank of America® Travel Rewards credit card is a great choice for occasional travelers who like to search the web for the best deals without sacrificing their option to use rewards for the purchase. It’s an incredibly flexible card when it comes to redemption options and earning capacity, however, it lacks many of the appealing benefits offered by other popular travel credit cards. That said, there are some limitations compared to cards with a potentially higher rewards value.

The Bank of America Travel Rewards credit card offers a solid rewards program, especially if you already have Merrill or Bank of America® accounts. The Bank of America Preferred Rewards® program offers even more rewards on top of what you would earn with its flat-rate 1.5-point rewards structure. For those who don’t mind having a more complicated rewards structure in return for more travel benefits, rewards and cardholder perks, you may do better with other comparable travel rewards cards.

  • No annual fee : Most travel rewards cards require you to pay an annual fee in exchange for premium travel perks, so having a $0 annual fee is unique.
  • No foreign transaction fee : Foreign transaction fees can make the overall cost of your purchases go up tremendously. Fortunately, when going abroad, travelers do not have to worry about these pesky charges when using this card.
  • Decent sign-up bonus : After spending $1,000 in purchases within the first 90 days after account opening, new cardholders can get 25,000 online bonus points, which is an excellent offering on top of the card’s ongoing rewards rate.
  • Uncapped reward earnings : Since there is no limit to the number of points you can earn, you can easily maximize your reward earnings.
  • Special perks for Bank of America customers : The Preferred Rewards program allows certain Bank of America® credit card holders to earn extra bonus rewards. If you have enough money in combined balances in your Bank of American and Merrill accounts, you can earn 25%-75% more rewards.
  • Requires good or excellent credit : Potential applicants may be denied if they do not fulfill the credit score requirement, which could prevent many people from applying.
  • Potentially high APR : Depending on your creditworthiness, you could be subjected to an APR that you may not be comfortable with.
  • No bonus categories : The card only offers flat-rate rewards, which may not be enough for people looking for tiered categories to boost their reward earnings.

Why you might want the Bank of America Travel Rewards Card

If you’re the type of cardholder always looking around for a good sign-up bonus on a card with no annual fee, then Bank of America’s travel card is a great option for you. You’ll earn a flat rate of rewards on all your purchases, giving you the freedom to shop for what you want, when you want to and still earn a decent rate.

One unique benefit of this card is that if you happen to have a Merrill or a Bank of America account you can earn a boosted rewards rate with Preferred Rewards.

Higher sign-up bonus

Though not the most valuable sign-up offer currently available, the Bank of America Travel Rewards credit card does include a decent bonus of 25,000 online points for users who spend $1,000 in the first 90 days. If you redeem these points for travel purchases, they are worth up to $250.

Flat-rate rewards on all purchases

The Bank of America Travel Rewards credit card comes with one flat earning rate on all purchases – making it easy to rack up points without keeping track of bonus categories or focusing your spending in one area. Cardholders bring in 1.5 points per dollar on every purchase. The one exception to this is purchases made in the Bank of America Travel Center, which earn an additional 1.5 points per dollar for a total of 3 points per dollar spent.

Bank of America Preferred Rewards program

If you are already a Bank of America or Merrill checking or savings account holder, you might be able to boost your earning rate on the Bank of America Travel Rewards credit card. This is certainly the case if you have a significant balance. Bank of America has a tiered rewards rate program that increases at incremental stages depending on how large your account balance is in your Bank of America or Merrill account. You can potentially qualify for a 75% point boost with an increased earned rate of 2.6% (up from the standard 1.5% per dollar spent) by qualifying for Platinum Honors – Bank of America’s highest Preferred Rewards tier.

Bank of America Preferred Rewards tiers and earning rates

As you can see, even if you don’t have a balance over $100,000 in your Bank of America or Merrill account you can still earn either a 25% or 50% boost to your rewards rate.

When combined with some of the other benefits of this card, even a 1.9% earning rate makes this card stand out despite the fact some flat-rate rewards cards have a slightly higher rate.

Flexible point redemption

Points earned with the Bank of America Travel Rewards credit card are worth the same amount whether you book travel with the bank or another site – unlike other travel cards that offer a boost on certain purchases. However, this gives the card some added flexibility and means you can think less critically about how you want to use those points.

You can redeem points for any travel purchase made on your card in the last 12 months. That means you can find a better deal on a third-party travel site and still use your rewards to cover the cost. You may also redeem points for a statement credit to pay for dining purchases, a cash redemption or gift card.

Bank of America Travel Rewards redemption options

Solid intro apr for new purchases and balance transfers.

In addition to easy-to-earn rewards and flexible redemption, the Bank of America Travel Rewards credit card offers a 0% introductory APR for 15 billing cycles for new purchases (18.24% to 28.24% variable thereafter) and for balance transfers made within the first 60 days (after which, the 18.24% to 28.24% variable APR applies). There is a 3% intro balance transfer fee for 60 days from account opening, then 4%.

Very few travel cards offer an intro APR on both balance transfers and new purchases, so this card could be an ideal pick if you need to pay off debt or chip away at the cost of a new purchase in the short term, but want to focus on earning travel rewards long term.

This can be a great perk for users who have a big purchase to make and want to pay it down over time without racking up interest. You’ll have a little more than a full year to make slow payments without having to worry about additional charges. Just be sure not to charge more than you can pay off in the introductory period, as the ongoing APR can be high.

Why you might want a different travel rewards card

If you’re familiar with rewards programs, know which categories you spend your money the most and can plan accordingly to use different cards for every purchase, you might want to opt for a more elaborate card strategy that takes advantage of higher earning cards. A rate of 1.5 points per dollar spent is a decent rate, but it’s by no means the best offer out there.

That said, there are a few shortcomings the Bank of America Travel Rewards card has that makes it fall a little further down the list of best travel rewards cards.

No bonus for travel redemption

Redemption through an issuer’s travel portal is a competitive feature on a travel rewards card that comes with some other cards in this category. Unfortunately, points redeemed for travel through the Bank of America Travel center won’t see an increase in value like on some other issuer’s cards. This puts Bank of America’s card a little further down the list.

Although purchases made through the travel center will earn double points, redeeming those points for travel won’t increase their value. Meaning you’ll need to spend more to increase the worthiness of your rewards, while with another card it might mean spending less and redeeming for more.

For example, points earned with the Chase Sapphire Preferred Card earn an additional 25% value when redeemed through the Chase Ultimate Rewards Portal, making points (normally worth 1 cent each) worth 1.25 cents each.

The most value you can get out of a Bank of America Travel Rewards credit card point is 1 cent per point, other travel cards can often outpace its value. When comparing to another card, be sure to keep point value in mind because, like Chase, some issuers have increased point value.

bank of america travel rewards signature

Low rewards rate

While earning 1.5 points per dollar on every purchase is convenient and it can be boosted if you’re a Bank of America or Merrill account holder, for a general cardholder who’s looking for a solid travel rewards card, it’s a little low. Even the 3 points per dollar on travel booked through Bank of America’s Travel Center is comparatively low to other cards, especially considering the points’ low value for redemption.

If you want to step into travel rewards and fly higher, you might benefit from a card that earns at a higher rate on general purchases and pair it with a card from the same issuer that earns a high rate for travel. This may allow you to pool your points and redeem them through that issuer’s rewards portal.

For instance, you might be better served with a 2% cash back card like the Citi Double Cash® Card (1% when you buy, 1% when you pay) paired with the Citi Premier® Card . While the Premier Card has an annual fee of $95, depending on how much you spend you may be able to offset that fee by earning more rewards than you would with the Bank of America Travel Rewards card.

No standout perks

The Bank of America Travel Rewards credit card has a few benefits that make it valuable for frequent travelers, but it doesn’t have many extensive perks.

  • No foreign transaction fee – When traveling abroad, you won’t pay any surcharge on foreign transactions.
  • Car rental insurance – If your rental car is damaged or stolen, the Bank of America Travel Rewards credit card can reimburse you in excess of the company’s insurance policy.
  • Add PIN for international travel – The Bank of America Travel Rewards credit card is an EMV chip card, and you can add a PIN for easy use when traveling overseas.

While certainly not the most impressive travel perks available on a rewards card, all these benefits could potentially save frequent travelers some money on their next trip — but in comparison to other travel rewards cards, you could get a much better lineup of perks than with this card.

How does the Bank of America Travel Rewards card compare to other cards?

The flat earning rate on the Bank of America Travel Rewards credit card makes it easy to rack up points with this no-annual-fee option, but savvy spenders might be able to get more out of a travel card with a different structure. Here are a few popular alternatives:

Bank of America Travel Rewards vs. Chase Sapphire Preferred

A fan-favorite travel card, the Chase Sapphire Preferred offers a good rewards rate and a valuable sign-up bonus. If you redeem all 60,000 points (after spending $4,000 in the first three months to earn the bonus) for travel in the Ultimate Rewards portal, they are worth up to $750. The biggest drawback to the Sapphire Preferred in comparison to the Bank of America Travel Rewards Card is its $95 annual fee, though heavy spenders can probably offset this cost with a great earning rate on travel and restaurant purchases.

See Related :  Bank of America Travel Rewards vs. Chase Sapphire Preferred: Which is best for you?

Bank of America Travel Rewards vs. Capital One VentureOne

Like the Bank of America Travel Rewards credit card, the Capital One VentureOne doesn’t charge an annual fee and offers a flat rate of miles on most purchases – 1.25 miles per dollar. The Capital One VentureOne also charges no foreign transaction fee. However, the VentureOne also comes with a higher low-end and high-end APR rate (19.99% to 29.99% variable) than the Bank of America Travel Rewards Card does. Miles with the VentureOne are also worth that same as Bank of America points at 1 cent apiece. However, with a lower earning rate, the VentureOne won’t compete well with cards that have a high point value and a high earning rate.

Bank of America Travel Rewards vs. Wells Fargo Autograph

The Wells Fargo Autograph is another popular no-annual-fee travel card, thanks to its extensive list of categories that qualify for the 3 point-per-dollar rate. Cardholders can earn 3 points per dollar on restaurants, travel, transit, gas station purchases, select streaming services and phone plans as well as 1 point per dollar on other purchases. This makes it easy to rack up plenty of points. Plus, cardholders who also have a Wells Fargo Active Cash® Card may earn even more cash rewards on purchases.

How to use the Bank of America Travel Rewards credit card:

  • Spend at least $1,000 in the first 90 days to earn the sign-up bonus.
  • Put all your purchases on the card to take advantage of a generous flat rewards rate.
  • Consider purchasing travel through the Bank of America Travel center to earn double points.
  • If you are eligible, sign up for Preferred Rewards to boost your earnings.

Is the Bank of America Travel Rewards credit card right for you?

If you are the type of cardholder who prefers to put all their purchases on one card and not worry about keeping track of bonus categories, the Bank of America Travel Rewards credit card offers a good rate of points for a card with no annual fee. Plus, Bank of America account holders with a significant balance can boost their rewards rate and fast-track their way to their next vacation.

On the other hand, if the realm of rewards earning sparks your curiosity and you want to maximize how much you get back for what you spend, you might consider a more strategic approach. That said, the Bank of America Travel Rewards card is a terrific option for newcomers to rewards or for those who aren’t confident in their ability to offset the annual fees they may face with more beneficial cards.

Need more information on this card? See related articles:

  • Bank of America Travel Center: How to book flights, hotels and vacations.
  • Card Comparison – Bank of America Travel Rewards vs. Chase Sapphire Preferred
  • Card Comparison – Bank of America Travel Rewards card vs. Bank of America Cash Rewards card
  • Card Comparison – Bank of America Travel Rewards vs. Capital One Venture Card

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Benefits of the Bank of America Travel Rewards Card

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For frugal travelers, the Bank of America® Travel Rewards credit card is a perfect choice.

Bank of America Travel Rewards® Credit Card

It charges an annual fee of $0 and features flexible, easy-to-redeem rewards.

Here’s what to know about its benefits.

» MORE: Complete card details for the Bank of America® Travel Rewards credit card

No annual fee

Right away, the Bank of America® Travel Rewards credit card 's annual fee of $0 sets it apart from other travel credit cards and makes it an excellent pick for budget-minded travelers. Even if you don’t spend much on this card, you’ll come out ahead in rewards as long as you don't carry a balance from month to month.

» MORE: NerdWallet's best no annual fee travel credit cards

Versatile rewards

Earning and redeeming points is simple on this card. You earn a flat 1.5 points per dollar spent on all purchases. Points can be redeemed as a statement credit toward a broad range of travel expenses , such as airline tickets, hotel stays, amusement park entry fees, RV rentals and more. General travel cards from other issuers tend to have narrower definitions of "travel," often leaving cardholders with fewer options when redeeming rewards. You can also redeem points for restaurant purchases.

Redemptions start at just 2,500 points, so you don’t have to make a big purchase to cash in rewards. Points are worth 1 cent apiece when redeemed for travel.

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Benefits of the Bank of America Travel Rewards card

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Sign-up bonus

Like any good travel credit card, the Bank of America® Travel Rewards credit card starts you off with a sign-up bonus: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. .

For a $0 -annual-fee card, that’s an excellent offer. The reasonable spending requirement makes it relatively easy to nab, too.

» MORE: NerdWallet review of the Bank of America® Travel Rewards credit card

Preferred Rewards

This straightforward card gets far more exciting if you keep a lot of money in Bank of America® or Merrill accounts. That’s because if you qualify for the bank’s Preferred Rewards program — by maintaining combined balances of $20,000 or more among eligible accounts — you can earn a higher rewards rate on this card (and all eligible Bank of America® credit cards), along with other benefits.

With combined balances of over $100,000, for example, you could earn 2.62 points per dollar spent on this card, according to the bank. Remember, you have to be enrolled in the Preferred Rewards program to get that boost.

No foreign transaction fees

This card charges no foreign transaction fees, so you won't have to deal with any annoying 3% charges while making purchases outside the U.S. That benefit, combined with the card's other budget-friendly features, regularly earns it a spot on our list of Best No Foreign Transaction Fee Credit Cards .

0% intro APR offer

The Bank of America® Travel Rewards credit card is one of the few travel cards that features a generous 0% APR period: It boasts 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days, and then the ongoing APR of 18.24%-28.24% Variable APR . That can come in handy if you book a trip using the card and want to pay it off over a few months, instead of all at once. And while you’re floating that balance interest-free, you can score that sign-up bonus.

More about the card

Complete card details for the Bank of America® Travel Rewards credit card

NerdWallet review of the Bank of America® Travel Rewards credit card

Chase Sapphire Preferred Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Freedom Unlimited Credit Card

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

bank of america travel rewards signature

Bank of America® Travel Rewards Credit Card review: A simple travel rewards card with basic features

Photo of Bank of America® Travel Rewards credit card on a blue and pink abstract background

Our take: The Bank of America® Travel Rewards Credit Card stands out for its simplicity: It’s a $0-annual fee card that earns simple, flat-rate rewards that you can redeem as statement credits for travel or dining.

Bank of America® Travel Rewards Credit Card

Intro bonus, reward rates.

  • 1.5x 1.5 points on all purchases
  • Easy to redeem rewards for dining and travel
  • Offers welcome bonus
  • Extra rewards for Preferred Rewards members
  • No notable travel benefits
  • No travel transfer partners
  • Free FICO score, Balance Connect® for overdraft protection
  • Foreign transaction fee: None

Bank of America® Travel Rewards Credit Card: Overview

Card type: Travel

With no annual fees or foreign transaction fees, the Bank of America Travel Rewards card is an appealing choice for budget travelers or anyone who wants simplicity in their travel credit card. Although the rewards earned on this card lack the versatility you might find in cards that offer the ability to transfer rewards to loyalty programs or book travel through the card issuer’s portal, this card does allow you to redeem their points for statement credits for travel and dining, as cash back, or to purchase gift cards.

Who is the Bank of America® Travel Rewards Credit Card good for?

The Bank of America® Travel Rewards Credit Card is well-suited for budget-conscious travelers who prioritize simplicity over extravagant perks. Plus, with the card’s 0% intro APR for 15 billing cycles on purchases and balance transfers made within the first 60 days of account opening, the card can be a valuable tool for those looking to finance big-ticket purchases or consolidate their debt.

Who shouldn’t get the Bank of America® Travel Rewards Credit Card?

Those who prioritize reward flexibility, lavish travel benefits, and a substantial welcome bonus may find the Travel Rewards Credit Card less appealing. The card’s modest welcome offer, and absence of transfer partners for airline or hotel loyalty programs could be drawbacks for those seeking more extensive rewards and perks. 

Bank of America® Travel Rewards Credit Card: How to earn rewards

The rewards structure is easy to understand—there are no rotating categories to keep track of or activate or different rewards rates. Cardholders earn a flat 1.5 points on all purchases. 

You’re also eligible to earn a modest welcome offer that’s worth 25,000 points, or $250, if you spend $1,000 in purchases in the first 90 days of account opening. 

How to redeem Bank of America® Travel Rewards Credit Card points

There are only a few ways to redeem your points with the Travel Rewards Card You can use your rewards to book travel, cover travel and dining purchases, get cash-back as a statement credit, and buy gift cards.

However, when you redeem for cash or gift cards, you may not get the best value. One point is valued at 0.6 cents, so 2,500 points will only give you $15. There’s a 2,500 point minimum redemption requirement, too. The redemption value for gift cards will vary.. Travel and dining credits are typically the best value for your rewards, where a point is worth one cent.

Get a statement credit for travel or dining

To redeem points with the Bank of America Travel Rewards Credit Card, you can get a statement credit to offset eligible travel—like airlines, hotels, car rentals—and dining purchases made within the past 12 months. There’s a 2,500 point minimum redemption requirement. 

When you redeem your points this way, one point is worth one cent. 

Bank of America® Travel Rewards Credit Card rates and fees

  • Annual fee: $0
  • Intro APR: 0% Intro APR for 15 billing cycles on purchases made in the first 60 days of account opening, then the standard variable APR will apply.
  • Purchase APR: 18.24%–28.24% variable
  • 0% APR balance transfer:  0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days of account opening. After that, the APR is 18.24%–28.24% variable
  • Balance transfer fee: 3% for 60 days from account opening, then 4% will apply
  • Penalty fee: up to $40 for late payments

Additional benefits

  • Free FICO Score. Through online and the mobile banking app, you can access your FICO Score from TransUnion, which is updated monthly, for free.

Credit cards similar to Bank of America® Travel Rewards Credit Card

If you’re looking for a no-annual-fee travel card with greater flexibility than  the Bank of America Travel Rewards Card, there are other options to consider. Here’s a look at how some of the competition stacks up. 

Capital One VentureOne Rewards Credit Card vs. Bank of America® Travel Rewards Credit Card

The Capital One VentureOne Rewards Credit Card boasts a versatile rewards program, although the rewards rate is slightly lower.. The Bank of America Travel Rewards card earns  1.5 points per dollar, the VentureOne offers a slightly lower 1.25 miles per dollar, but it does earn with 5 miles per dollar on prepaid hotels and rental cars through Capital One Travel.

The VentureOne also has a decent welcome offer for a no-annual-fee card of 20,000 miles after spending $500 on purchases within 3 months from account opening. 

But the biggest benefit the VentureOne Card has over the Bank of America Travel Rewards card is the redemption flexibility. With this card, you can transfer your miles to over 15 of Capital One’s travel loyalty programs, so you can potentially wring even more value from your rewards. You can also book a trip through Capital One Travel, get reimbursed for travel purchases made within the previous 9- days, or opt for a statement credit, although like the Bank of America card, this last option is also worth less than a penny per point. 

Discover it® Miles vs. Bank of America® Travel Rewards Credit Card

Just like the Bank of America Travel Rewards Card, the Discover it® Miles card dishes out 1.5 miles on general purchases, without any annual or foreign transaction fees. But a key distinction between these two cards lies in the redemption options. You cannot use your miles to make a purchase, but you can redeem them for a statement credit against a travel purchase made within the last 180 days. Or, you can simply apply your earnings as a cash-back statement credit without any travel involved. Either way, a mile is worth a penny a point. Allowing you to take cash back at the same value as a travel reimbursement is a much better option than the less than a penny per point cash-back option on the Bank of America Travel Rewards card.  

The Discover it Miles card also goes the extra mile when it comes to a welcome offer. Instead of an upfront offer after meeting a minimum spending requirement, the issuer doubles the rewards you earn in the first year. For example, if you earned a total of 50,000 miles in the first year, you would earn an additional 50,000 miles at the end of the year.

Is the Bank of America® Travel Rewards Credit Card right for you?

The Bank of America Travel Rewards Card is best for those looking for a no-frills travel card who can take advantage of the card’s 0% APR offer. It’s also best for someone who wants to use the earnings on a travel rewards card solely for travel, and doesn’t mind not taking cash-back. 

However, potential users should be aware of its limitations, including the limitations on redemption. Most people will fare better with a card that offers 2% cash back, which is both more rewarding and allows you to use your money on anything you’d like, travel or otherwise.

Frequently asked questions

Is it hard to get a bank of america® travel rewards credit card.

Since the Bank of America Travel Rewards Card is a rewards card, you’ll likely need a good or better FICO Score, which starts at 670 or higher.However, keep in mind there is no one set score which will guarantee you’ll be approved for a card as issuers take several factors into consideration when determining approval.

Is the Bank of America® Travel Rewards Credit Card worth it?

The Bank of America Travel Rewards credit card may be worth it for some—it’s a solid option for budget-conscious travelers seeking simple rewards who may only want to redeem their rewards for travel one way.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

  • bankofamerica.com

Reward yourself with travel

Redeem points for airline travel, hotel stays and car rentals. Use your points to pay for all or part of your travel.

Redeem for Air Travel with no black out dates

  • Plan trips to virtually any destination, using our domestic or international, first class and next-day options.
  • Redeem for car rental and hotel reservations starting at 2,500 points. Airline tickets start at just 25,000 points, or you can redeem 10,000 points for $100 off any ticket.

Call 1-800-406-8472 to make your reservation.

Travel consultants are available 24 hours a day, 7 days a week.

Ready to redeem?

1.800.406.8472

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Rewards update (October 2013)

We're simplifying and improving the redemption experience

  • An improved online redemption experience
  • Access to over 150,000 hotel and resort properties
  • Choose from all major car rental companies
  • Enjoy greater self-service options and travel assistance over the phone

What will be the changes to my rewards program?

  • Merchandise will no longer be available as a redemption option. You'll still be able to use your card to purchase merchandise at any retailer, earn points on that transaction, and redeem points for cash to offset your purchase.
  • Redemption for cruises, activities, and tours is being discontinued.
  • The ability to purchase points is no longer necessary and will be removed because we have simplified the process to allow you to combine points and cash for travel redemptions.
  • Statement credit redemptions are available as a Cash redemption and no longer processed in the form of Hotel or Car statement credits at the travel provider.

Don't forget: You can still redeem your points for gift cards, airfare, hotels, and car rentals — as well as deposits into a checking or savings account, or receive a credit on your next statement.

How to use the Bank of America Premium Rewards card airline fee credit

Madison Blancaflor

The Bank of America® Premium Rewards® credit card continues to fly under the radar , despite having the potential to offer the highest base cash-back rate of any rewards credit card.

If you hold $100,000 or more in assets with Bank of America and/or Merrill, you qualify for Platinum Honors in Bank of America's Preferred Rewards® program . This gives you a 75% bonus on all rewards, equating to a minimum of 2.625 points per dollar on all purchases and 3.5 points per dollar on all dining and travel purchases.

The card is also currently offering 60,000 points after you spend $4,000 on the card in the first 90 days of account opening, and it carries a $95 annual fee.

How the Bank of America airline fee credit works

Bank of America's airline fee credit (up to $100 statement credit each calendar year) works a little differently from the airline incidental fee statement credit you get with Amex cards such as The Platinum Card® from American Express (see rates and fees ). Rather than have to designate an airline at the beginning of the year, Bank of America allows you to earn the credit across any eligible airline throughout the year. Enrollment is required for select benefits.

For example, you could use your Bank of America airline fee credit for checked bags on Delta one month and then inflight drinks on American the next. This gives you more flexibility to use your credit where you need it, rather than forcing you to guess which single airline you'll be able to use it on.

It can potentially take anywhere from two to three weeks for your credit to post to your card account. While there are plenty of instances where we've seen that take less, don't be alarmed if it does take the whole timeframe.

Another feature that Bank of America offers is the ability to check how much of your $100 airline credit you have used.

bank of america travel rewards signature

Which airlines qualify for the credit?

bank of america travel rewards signature

Bank of America does not have an official list published that outlines which airlines qualify for the incidental fee credit, though the terms and conditions do specify that only select U.S. carriers qualify. According to some readers, Spirit Airlines and Sun Country Airlines are excluded. The following airlines are known to work:

  • Alaska Airlines.
  • American Airlines.
  • Delta Air Lines.
  • Frontier Airlines.
  • Hawaiian Airlines.
  • Southwest Airlines.
  • United Airlines.

That list is very similar to Amex's list of qualifying airlines (with the exception of Spirit Airlines, which the Amex fee does cover).

What purchases trigger the credit?

According to the Premium Rewards Card terms and conditions , the following purchases will trigger your Bank of America airline fee credit:

  • Preferred seating upgrades.
  • Ticket change/cancellation fees .
  • Checked baggage fees.
  • Inflight entertainment.
  • Onboard food and drink charges.
  • Airport lounge fees affiliated with eligible airline carriers.

bank of america travel rewards signature

The purchases have to be paid in full with your Bank of America Premium Rewards card, and they must be made on a flight originating from a domestic airport on a qualifying U.S. airline carrier.

The terms and conditions do explicitly state that the following purchases will not qualify for the credit:

  • Airline tickets.
  • Mileage point purchases.
  • Mileage point transfer fees.
  • Gift cards.
  • Duty-free purchases.
  • Award tickets and fees incurred with airline alliance partners.

Also keep in mind that inflight Wi-Fi access processed through a third party like Gogo likely will not qualify.

Of course, there are sometimes exceptions to this rule. There have been data points presented by readers and in other online forums where charges outside the official list have counted. Occasionally award booking taxes, first-class upgrades and other fees will end up coding as an eligible purchase for the credit.

However, we don't suggest counting on credit for fees that the credit isn't intended to cover — it's hit-or-miss at best and easier to just use the perk as intended. In the past, you could get away with buying gift cards on certain airlines with the credit, but issuers have cracked down to close that loophole .

Bottom Line

Airlines can change the merchant category code of a certain transaction, Bank of America could update what merchant codes and charges count, and airlines can change whether or not something is processed by a third party. This means what counts toward the credit will be a living list year-to-year based on what's currently working.

If you've charged what you believe to be a qualifying airline fee and it's not automatically reimbursed, you can call Bank of America and ask for the credit.

And if you hold the Bank of America Premium Rewards credit card, we'd love you to share your experience with us so we can keep the list up to date. Email [email protected] and mention this post.

For rates and fees of the Amex Platinum, click here .

Additional reporting by Ryan Wilcox and Richard Kerr.

Updated 12/06/2023.

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Bank of america ® unlimited cash rewards credit card vs. bank of america ® travel rewards credit card: what’s the difference.

Ben Walker, CEPF, CFEI®

This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.

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We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies .

For most, the Bank of America ® Unlimited Cash Rewards credit card is likely better than the Bank of America ® Travel Rewards credit card for its introductory APR offers and for earning cash back.

But the Travel Rewards card is better for earning travel rewards, avoiding foreign transaction fees, and using points for travel redemptions.

Let’s dig into the details of this Bank of America Unlimited Cash Rewards vs. Travel Rewards review so you can see which credit card might be the best fit.

Bank of America Unlimited Cash Rewards vs. Travel Rewards

What both cards excel at, 4 important differences between bank of america unlimited cash rewards and travel rewards, which card should you choose, bottom line.

Both the Bank of America Unlimited Cash Rewards and Bank of America Travel Rewards are issued by Bank of America and use the Visa payment network. But the Unlimited Cash Rewards focuses on earning cash back and providing an intro APR offer on qualified balance transfers.

On the other hand, the Travel Rewards card focuses on earning points that can be redeemed for statement credits toward travel and dining purchases.

Check out this table to quickly compare the main perks and benefits of both cards, including their sign-up bonuses, redemption methods, and intro APR offers.

The Bank of America Unlimited Cash Rewards and Bank of America Travel Rewards share these similarities:

  • Annual fees: The Bank of America Unlimited Cash Rewards has a $0 annual fee while the Bank of America Travel Rewards also has a $0 annual fee.
  • Welcome offers: Both the Bank of America Unlimited Cash Rewards and Travel Rewards provide valuable bonus offers. These could be helpful to new cardholders for earning a large amount of rewards soon after account opening.
  • Rewards rates: The Bank of America Unlimited Cash Rewards offers unlimited 1.5% cash back on all purchases while the Travel Rewards card offers 1.5 points per $1 spent on all purchases. It’s basically the same flat rate and no bonus categories, with the only difference being the type of rewards you earn.
  • Intro APR offers: Both credit cards provide intro APR offers on purchases and balance transfers. The Unlimited Cash Rewards offers 0% intro APR for 15 billing cycles on purchases and qualifying balance transfers, then 18.24% - 28.24% Variable APR. The Travel Rewards offers 0% intro APR for 15 billing cycles on purchases and qualifying balance transfers, then 18.24% - 28.24% Variable APR.
  • Bank of America Preferred Rewards®: Many Bank of America credit cards offer access to the Bank of America Preferred Rewards® program. You have to meet certain requirements to become a Bank of America Preferred Rewards® member — such as having an active and eligible Bank of America checking account and having $20,000 or more in eligible accounts over a three-month period — but you could earn up to a 75% rewards bonus on your credit card purchases if you reach the Platinum Honors tier.
  • Payment networks: Both cards use the Visa payment network, which is accepted in over 200 countries and territories worldwide.
  • Additional card benefits: You’ll find certain benefits on both cards, including extended warranty protection, roadside dispatch, travel and emergency assistance services, and access to 24/7 Visa Signature concierge services.

Compare these four important differences between the Bank of America Unlimited Cash Rewards and Travel Rewards to see which card might make the most sense for you:

1. Type of rewards

The Bank of America Unlimited Cash Rewards is a cashback credit card while the Bank of America Travel Rewards earns points. There’s not much of a difference between what this means except the available redemption options (more details on this below).

Overall, you typically want a card that earns cash back rewards if you prefer cash-related redemption options. But a card that earns points or miles would typically have travel-related redemption options.

If you prefer earning cash back, check out our Bank of America Unlimited Cash Rewards review for more details.

Winner: Tie. It depends on whether you prefer earning cash back or travel rewards.

2. Redemption options

At first glance, it seems like the redemption options on the Bank of America Unlimited Cash Rewards and Travel Rewards are cut and dry — the Unlimited Cash Rewards offers cash-related redemptions while the Travel Rewards offers travel-related redemptions.

But digging deeper into the terms and conditions for each credit card, you see that the redemption options are fairly similar with a few, small differences.

Most notably, the Bank of America Travel Rewards has many of the same redemption options as the Unlimited Cash Rewards, even though one card is focused on travel rewards while the other is focused on cash back. There are also a few extra options on the Travel Rewards such as gift cards and mailed checks — though, these generally aren’t as useful as bank deposits or statement credits.

Keep in mind a few distinctions with the Bank of America Unlimited Cash Rewards. “Statement credits” aren’t limited to travel and dining purchases like they are on the Travel Rewards. Also, “credits into eligible Merrill® accounts” includes eligible cash management and 529 Merrill accounts, while the Travel Rewards redemption only includes the cash management option.

There’s no clear winner between the two credit cards based on their redemption options because it’s highly dependent on your preferences. At the end of the day, either cards’ rewards could be used for bank deposits, which is essentially straight cash that could be used for anything.

Winner: Tie. It depends on your redemption preferences.

3. Foreign transaction fees

The best travel credit cards don’t typically have foreign transaction fees because frequent travelers don’t want to deal with this additional expense. Since the Bank of America Unlimited Cash Rewards isn’t marketed as a “travel card,” it comes with a 3% foreign transaction fee.

On the other hand, the Bank of America Travel Rewards doesn’t carry foreign transaction fees — making it the clear winner in this category. Read our Bank of America Travel Rewards review to learn more.

Winner: Bank of America Travel Rewards because it doesn’t have foreign transaction fees.

4. Visa Signature benefits

Both the Bank of America Unlimited Cash Rewards and Travel Rewards are Visa Signature credit cards. This means they have additional benefits for cardholders.

But which Visa Signature benefits a card receives depends on the credit card issuer. The Bank of America Unlimited Cash Rewards offers these Visa Signature benefits:

  • Extended warranty protection
  • Roadside dispatch
  • Travel and emergency assistance services
  • Visa Signature concierge

The Bank of America Travel Rewards offers these Visa Signature benefits:

  • Secondary rental car insurance
  • Lost luggage reimbursement

The Bank of America Travel Rewards is this winner here because it offers the same benefits as the Unlimited Cash Rewards plus more travel-focused benefits.

Winner: Bank of America Travel Rewards because it offers more Visa Signature benefits.

Neither of these credit cards is outright better than the other as it depends on your preferences. But consider these scenarios to help you decide which card makes the most sense for you.

You should choose the Bank of America Unlimited Cash Rewards if:

  • You prefer earning cash back over travel rewards.
  • You want specific redemption options such as general statement credits or credits into eligible Merrill accounts (including qualifying 529 accounts with Merrill).

You should choose the Bank of America Travel Rewards if:

  • You prefer earning travel rewards over cash back.
  • You want specific redemption options such as statement credits toward flights, hotel stays, vacation rentals, baggage fees, and restaurant purchases.
  • You want to avoid foreign transaction fees.
  • You want more travel-related Visa Signature benefits.

Either credit card could provide you with valuable rewards on your everyday spending. For more top credit card offers, check out our list of the best rewards credit cards .

Is the Bank of America Unlimited Cash Rewards card worth it?

Yes, the Bank of America Unlimited Cash Rewards card is worth it as a credit card that offers unlimited 1.5% cash back on all purchases and $0 annual fee. It also provides intro APR offers on purchases and qualifying balance transfers and you could earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Is the Unlimited or Customized Cash Rewards card better?

The Bank of America ® Customized Cash Rewards credit card is likely better than the Bank of America Unlimited Cash Rewards because it offers higher cashback rates in spending categories such as gas, dining, grocery stores, wholesale clubs, and online shopping. But the Unlimited Cash Rewards could make sense if you want a simple rewards rate and fewer cards to carry.

What is the maximum you can redeem for with Unlimited Cash Rewards?

There is no maximum you can redeem for with the Unlimited Cash Rewards. The Bank of America Unlimited Cash Rewards has no limit on cash back you can earn and no maximum redemption amount. These redemptions require a minimum redemption amount of $25:

  • Credits to a qualifying 529 account with Merrill

There’s not much difference between the Bank of America Unlimited Cash Rewards and Bank of America Travel Rewards.

But the Unlimited Cash Rewards is the better option if you want to earn cash back. The Travel Rewards card is the better option if you prefer travel rewards and want to avoid foreign transaction fees.

If these cards don’t make sense for you, use our dedicated page to compare credit cards and find the right card for your wallet.

Unlimited 1.5% Cash Back on All Purchases

Bank of america ® unlimited cash rewards credit card.

Bank of America® Unlimited Cash Rewards credit card

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

  • Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Unlimited 1.5% cash back on all purchases
  • Long intro APR on purchases and qualifying balance transfers
  • No annual fee
  • Has foreign transaction fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Author Details

Ben Walker, CEPF, CFEI®

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Credit Card Rewards & Benefits FAQs

View questions about:.

To access your rewards credit card program information, log in to Online Banking , and select Go to my credit card rewards button.

Not enrolled in Online Banking? Learn more about Online Banking

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You can redeem your credit card rewards on your mobile device, on our website or by phone.

On your mobile device Log in to the Mobile Banking app and tap the View My Rewards link to view/redeem available rewards balance.

You can also tap the Erica icon and say, “I want to redeem credit card rewards” and follow the instructions (if you prefer, you can also type your message to Erica).

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On our website To check your credit card rewards balance and cash in or redeem your rewards points online, log in to Online Banking and select your credit card then select the Rewards tab.

Not an Online Banking customer? Enroll in Online Banking today

By phone To redeem your credit card rewards by phone, call 800.434.8313 and select option 2 (Mon-Fri 9 a.m.-9 p.m. ET).

Certain cash rewards redemption options have no minimum requirements, and you can start redeeming after your first billing cycle. Points rewards redemption options start at 2,500 points. Log in to Online Banking to access your Rewards Program Rules for specifics.

The guide to benefits that was sent to you with your credit card contains all the benefits details. If you need to obtain a copy of your benefits guide, please call the number on the back of your credit card.

For specific information regarding the travel benefits that come with your credit card, please refer to the benefits guide you received with your card. You may also contact us at the toll-free number on the back of your card for benefits information and to request a copy of your benefits guide.

To discuss benefits, call 800.592.4089 (outside the U.S., call 804.673.1468 collect).

Connect one on one with a credit card specialist

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How to use Bank of America travel rewards points

Key takeaways.

  • T he Bank of America travel rewards program can be lucrative and flexible, but the specifics of how you’ll earn points in this program depend on which credit card you sign up for.
  • Bank of America travel rewards points can generally be redeemed for eligible travel purchases, cash back and gift cards.
  • Bank of America Preferred Rewards members can earn an additional 25 percent to 75 percent more in rewards for each dollar spent.

Many credit card issuers boast a lineup of rewards credit cards that let you earn cash back, points or miles on travel, and Bank of America is no exception. Although not as popular as travel credit cards from Chase or American Express, Bank of America travel cards can be rather lucrative and flexible — but the specifics will depend on which credit card you sign up for.

If you’re ready to give the Bank of America travel rewards program a chance, you should find out which Bank of America credit cards let you earn rewards for travel, which travel rewards benefits are offered and how to use Bank of America travel rewards points to your advantage.

Which Bank of America cards earn travel rewards?

The main two Bank of America travel rewards cards are the Bank of America® Travel Rewards credit card and the Bank of America® Premium Rewards® credit card . However, Bank of America also offers the Bank of America® Premium Rewards® Elite Credit Card * and the Bank of America® Travel Rewards Credit Card for Students .

Bank of America Travel Rewards credit card: Best for no annual fee

  • Welcome bonus: 25,000 online bonus points ($250 statement credit value toward travel purchases) if you make $1,000 in purchases within 90 days of opening the account
  • Rewards rate: Unlimited 1.5X points per dollar on all purchases; 3X points on Bank of America Travel Center purchases
  • Annual fee:  $0
  • Notable perks: No foreign transaction fees, flexible travel rewards

Bank of America Premium Rewards credit card: Best for occasional travelers

  • Welcome bonus: 60,000 online bonus points after spending $4,000 on purchases in the first 90 days
  • Rewards rate: Unlimited 2X points per dollar on travel and dining; 1.5X points per dollar on all other purchases
  • Annual fee:  $95
  • Notable perks: Up to $100 in statement credits per year for incidental airline expenses to cover eligible costs; up to a $100 statement credit toward Global Entry or TSA PreCheck application fees every four years; no foreign transaction fees

Bank of America Premium Rewards Elite Credit Card: Best for frequent travelers

  • Welcome bonus: 75,000 online bonus points (a $750 value) after you make at least $5,000 in purchases in the first 90 days of account opening
  • Rewards rate:  Unlimited 2X points on dining and travel purchases; unlimited 1.5X points on all other purchases
  • Annual fee: $550
  • Notable perks: Up to $300 annually in airline incidental statement credits for qualifying purchases (like seat upgrades and baggage fees); up to $150 annually for eligible lifestyle conveniences (including video streaming services, food delivery, fitness subscriptions and rideshare services); up to a $100 statement credit toward Global Entry or TSA PreCheck application fees every four years; complimentary Priority Pass membership; 20 percent off on domestic or international airfare for any class when paid with points

Bank of America Travel Rewards Credit Card for Students: Best for students

  • Welcome bonus: 25,000 online bonus points after spending $1,000 in purchases within the first 90 days of account opening
  • Rewards rate: 1.5X points on all purchases
  • Annual fee: $0
  • Notable perks: No foreign transactions fees, flexible travel rewards

Which Bank of America travel cards do not earn travel rewards points?

Bank of America also offers a surprising number of co-branded travel credit cards that are geared to loyalists with specific brands. However, these cards do not earn Bank of America travel rewards points. These include:

  • Alaska Airlines Visa® credit card
  • Free Spirit® Travel More World Elite Mastercard®*
  • Allegiant World Mastercard®*
  • Royal Caribbean Visa Signature® card*
  • Norwegian Cruise Line® World Mastercard®*
  • Celebrity Cruises Visa Signature® card*
  • Virgin Atlantic World Elite Mastercard® *
  • Air France KLM World Elite Mastercard®*

When it comes to redeeming your Bank of America travel rewards, your options may vary depending on the card you have.

Bank of America Travel Rewards credit card and Bank of America Travel Rewards Credit Card for Students

With the Bank of America Travel Rewards credit card and the Bank of America Travel Rewards Credit Card for Students, you can use your points for:

  • Cash back in the form of a check or direct deposit to an eligible Bank of America or Merrill account
  • A statement credit to cover eligible travel-related purchases

Unlike with other travel rewards programs, you can use your eligible card to book travel with any eligible providers, and Bank of America’s list of qualifying travel purchases is extensive. In addition to airlines, hotels, car rentals and eligible transit, travel-related purchases also include purchases made with eligible cruise lines, parking garages, travel agencies, tourist attractions, art galleries, amusement parks and more.

From there, you can redeem your points for a travel credit statement through your Bank of America account. However, note that you’ll need at least $25 worth of points to redeem for a travel credit.

Bank of America Premium Rewards credit card

The Bank of America Premium Rewards credit card lets you cash in your rewards for:

  • Travel bookings through the Bank of America Travel Center
  • Cash back in the form of a statement credit or a direct deposit to an eligible Bank of America or Merrill account

Bank of America Premium Rewards Elite Credit Card

With the Bank of America Premium Rewards Elite Credit Card, you can redeem your points for:

  • Travel, experiences, event tickets and more through our Bank of America’s Concierge service

How to maximize Bank of America travel rewards points

To get the most of your travel rewards points with Bank of America, you should try to be as strategic as you can. When you go to redeem points, consider the ways you may be able to earn more points on your spending and any ways you can maximize your rewards .

Join the Bank of America Preferred Rewards program

One major way to earn more Bank of America travel rewards involves signing up for the Bank of America Preferred Rewards program . Doing so can net you an additional 25 percent to 75 percent more in rewards for each dollar you spend. However, note that you do need to meet certain qualifications to enroll in this program, including:

  • An active, eligible Bank of America checking account
  • A three-month average combined balance of $20,000 or more in eligible Bank of America accounts and/or Merrill investment accounts

Also, keep in mind that the Bank of America Preferred Rewards program offers additional perks like savings boosters and loan discounts for members with cash on deposit. The following chart shows how much more you could earn in rewards as a member, as well as how much you need to keep in eligible accounts to qualify for each tier.

While the minimum balance requirements are high, the Bank of America Preferred Rewards program can help you earn considerably more points on your spending if you qualify. For example, Bank of America Premium Rewards credit card members in the Platinum Honors tier have the potential to earn up to 3.5X points for every dollar spent on travel and dining purchases and up to 2.62X points on other purchases.

Also, it’s worth noting that there is one more Bank of America Preferred Rewards program tier, Diamond Honors.

Compare pricing in the travel portal

Keep in mind that the Bank of America Travel Center lets you make travel bookings with over 200,000 hotels and resorts and more than 200 airlines, among other options. Since some Bank of America travel rewards credit cards let you redeem your points for either travel-related statement credits or travel booked through the Bank of America Travel Center, you should compare the prices offered in the travel portal with other travel sites. By comparing prices, you can make sure you get the best deal.

Pick a card with an annual fee

Finally, make sure to think about your goals before you sign up for a travel credit card from this issuer. After all, a card with an annual fee comes with more benefits and perks. For example, when you pay the $95 annual fee for the Bank of America Premium Rewards card, you’ll get higher rewards rates on travel and dining spending, up to a $100 annual credit for incidental airline expenses to cover eligible costs and up to a $100 application fee credit toward Global Entry or TSA PreCheck membership every four years. All of this could easily leave you “ahead” in a financial sense.

The bottom line

Bank of America travel rewards can work differently depending on the card you sign up for, so make sure to compare all the rewards card options available before you decide on a card. In the meantime, spend some time comparing cards from this issuer to travel rewards credit cards from other major issuers. You may find that Bank of America has what you’re looking for in a travel rewards card, but you’ll never know for sure unless you check.

The Bank of America content in this post was last updated on June 23, 2023.

The information about the Alaska Airlines Visa® credit card was updated on June 23, 2023.

*The information about the Bank of America® Premium Rewards® Elite Credit Card, Free Spirit® Travel More World Elite Mastercard®, Allegiant World Mastercard®, Royal Caribbean Visa Signature® card, Norwegian Cruise Line® World Mastercard®, Celebrity Cruises Visa Signature® card, Virgin Atlantic World Elite Mastercard® and Air France KLM World Elite Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

How to use Bank of America travel rewards points

Bank of America Customized Cash Rewards credit card benefits guide

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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

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Key takeaways

  • The Bank of America® Customized Cash Rewards credit card offers a respectable cash back rate, as well as the ability to select and change your top-earning bonus category.
  • Members of the Bank of America Preferred Rewards program can earn additional cash back on top of the card's standard rewards.
  • However, quarterly spending caps and a lower welcome bonus mean this card may not be the best choice for all consumers.

Earning cash back from your rewards credit card is always a good thing — being able to customize your cash back bonus categories from month to month is even better. The Bank of America® Customized Cash Rewards credit card makes it possible to do just that and with no annual fee to boot.

While having the chance to choose your top rewards category is a major plus, there are other reasons to consider adding this card to your wallet. In fact, Bank of America Customized Cash Rewards credit card benefits can be a major draw, particularly if you’re a Bank of America Preferred Rewards member.

Read on to learn about Bank of America Customized Cash Rewards travel benefits and consumer protections, plus other perks you get just for being a cardholder.

Bank of America Customized Cash Rewards card travel benefits

While the Bank of America Customized Cash Rewards credit card is not a high-end travel credit card, it does come with a range of Visa Signature benefits that can be useful for frequent travelers. While you’ll want to read over your card’s terms and conditions to find out which level of benefits your card comes with, the main Visa Signature travel benefits that come with this card include the following:

Visa Signature concierge

Visa Signature concierge service makes it possible for cardholders to get help with dining reservations, tickets for shows and events and general travel planning. Cardholders call a hotline to receive all kinds of personalized assistance for free, and this help is available 24 hours a day, seven days a week.

Roadside dispatch

Roadside dispatch is available through a hotline cardholders can call. This hotline connects drivers with various types of assistance, including a gas fill-up, flat tire replacement, towing services and more. While the roadside dispatch hotline is free, cardholders are required to pay a standard price for any services received.

Travel and emergency assistance

Cardholders also get access to a travel and emergency assistance hotline they can turn to for various kinds of help. For example, they can call in for medical referrals or legal referrals when running into issues away from home or for emergency transportation assistance.

Again, while the use of this hotline is free, cardholders are responsible for paying for any services they receive.

Bank of America Customized Cash Rewards card consumer benefits

While the rewards offered by the Bank of America Customized Cash Rewards credit card are generous, there are additional perks consumers can benefit from.

0% intro APR period

Applicants who are approved for the Bank of America Customized Cash Rewards credit card automatically qualify for a 0 percent intro APR that applies to purchases and balance transfers. Specifically, consumers get a 0 percent intro APR for 15 billing cycles on both purchases and balance transfers (balance transfers must be made in the first 60 days). Note that a 3 percent balance transfer fee applies (balance transfer fee is 4% thereafter). After the introductory offer ends, the variable APR will be between 18.24 percent to 28.24 percent.

Free FICO score

This card also offers a free FICO credit score for cardholders, which is updated monthly and available online or within the Bank of America mobile app. Having a free credit score can help cardholders track their credit progress over time.

Bank of America notes that opt-in is required to receive this perk.

Extended warranty protection

As another Visa Signature benefit, your card may come with extended warranty protection. This perk adds up to one additional year of warranty protection on items that come with a manufacturer’s warranty of three years or less. Note that you have to pay for the item with your Bank of America credit card for this coverage to apply.

$0 liability protection

Bank of America will block fraudsters and notify you of any fraudulent activity thanks to its $0 Liability Guarantee. You can also customize fraud alerts within your online account or mobile app.

Museums On Us

For over two decades, Bank of America credit cards and debit cards have given cardholders free general admission to 225+ cultural institutions during the first weekend of every month. All you have to do is present your Bank of America card and a valid photo ID to gain free entrance.

BankAmeriDealsⓇ

BankAmeriDeals® is a card-linked, limited-time offer program similar to Amex Offers and Chase Offers . When you activate certain promotional offers within your account, you can earn 5 percent to 15 percent extra cash back at select restaurants and other participating merchants. You won’t make a lot of cash back with BankAmeriDeals, but it will help boost what you earn.

Benefits for Bank of America Preferred Rewards members

While the rewards rate on this card is solid on its own, it’s worth noting that you can boost your earnings rate by as much as 75 percent depending on your status as a member of the Bank of America Preferred Rewards program. To qualify as a member, you must own or co-own an active and eligible Bank of America, Merrill or Merrill Edge account and hold a minimum three-month combined average daily balance of $20,000 or more across eligible Bank of America account types.

Here’s how much you could boost your cash back rate based on the Preferred Rewards tier you fall into:

  • Preferred Rewards Gold: 25 percent
  • Preferred Rewards Platinum: 50 percent
  • Preferred Rewards Platinum Honors: 75 percent
  • Preferred Rewards Diamond: 75 percent
  • Preferred Rewards Diamond Honors: 75 percent

As a Preferred Rewards member, you’ll gain access to other benefits, including discounts on investment services, mortgage origination fees, HELOC and car loan interest rates, as well as no charge for select banking services.

Maximizing the Bank of America Customized Cash Rewards card

To get the most out of the Bank of America Customized Cash Rewards credit card, you’ll want to take the following steps:

  • Change your top earning category periodically based on your spending plans . The Bank of America Customized Cash Rewards credit card lets you change your top earning category once each calendar month, and it makes sense to do so if your normal spending patterns fluctuate throughout the year. If you have a travel or online shopping purchase coming up, for example, you can switch your 3 percent back category that month and boost your rewards haul that way.
  • Make sure you earn the welcome offer . Make sure you spend at least $1,000 on purchases within 90 days of account opening in order to earn $200 in bonus cash back. This will require spending at least $334 over three 30-day periods in a row, which you can reach by charging your regular expenses and bills to the card.
  • Avoid paying interest. While the Bank of America Customized Cash Rewards card offers an intro APR for purchases and eligible balance transfers, remember that this offer won’t last forever. Make sure you pay off the balance before the offer ends , or else you’ll wind up paying off debt at this card’s higher variable APR.

The bottom line

The Bank of America Customized Cash Rewards card doesn’t offer the highest rates of cash back out there, as there are some rotating category cards that offer as much as 5 percent back on select bonus categories. However, getting 3 percent back on your category of choice (up to $2,500 in combined 3 and 2 percent category purchases each quarter, then 1 percent) is much better than the 1.5 to 2 percent back offered by other flat-rate cash back cards on the market — so long as you’re not spending over $2,500 in a quarter.

With no annual fee, a decent welcome bonus and a generous introductory APR offer as ancillary perks to its respectable cash back rate, this Bank of America credit card deserves serious consideration for a spot in your wallet.

Is the Bank of America Customized Cash Rewards credit card worth it ? Doing your research and comparing it to other cards is the only way to know for sure.

The Bank of America® Customized Cash Rewards credit card information was last updated on Sept. 27, 2023.

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How the Bank of America Customized Cash Rewards card’s category selection works

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Bank of America Unlimited Cash vs. Bank of America Customized Cash Rewards

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Is the Bank of America Customized Cash Rewards credit card worth it?

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Bank of America Customized Cash Rewards credit card review

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VIDEO

  1. Bank of America Travel Rewards Review

COMMENTS

  1. Bank of America® Travel Rewards Credit Card

    Data connection required. Wireless carrier fees may apply. The Bank of America® Travel Rewards credit card offers unlimited 1.5 points per $1 spent on all purchases everywhere, every time and no expiration on points. Apply online.

  2. Travel Credit Cards with Travel Rewards from Bank of America

    Earn unlimited 2 points for every $1 spent on travel and dining purchases, and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and points don't expire. Calculate Rewards. Premium Elite Rewards. Preferred Rewards members earn 25%-75% more points on every purchase.

  3. Bank Of America Travel Rewards Credit Card Review 2024

    The Bank of America® Travel Rewards credit card comes with a 0% introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, followed by a 18.24% ...

  4. Bank of America Travel Rewards credit card benefits guide

    The Bank of America Travel Rewards credit card offers a solid welcome bonus that's easily attainable for most cardholders. You can earn 25,000 points when you make $1,000 in purchases within 90 ...

  5. Visa Signature

    Choose the rewards from gift cards, travel and cash. Gift cards. Choose the gift that always fits. Redeem gift cards from top national retailers. See all gift cards ... the Bank of America Visa Signature ® rewards program allows you to book car and hotel reservations worldwide through participating companies and includes specific International ...

  6. BankOfAmerica Travel Rewards Card: What to Know

    Plenty of credit cards offer these bonuses, including the Bank of America® Travel Rewards credit card. Once you've qualified for the card, you'll be able to earn 25,000 online bonus points ...

  7. Bank of America Travel Rewards Review: Easy Rewards for ...

    A NerdWallet favorite, the no-annual-fee Bank of America Travel Rewards credit card gives 1.5 points per $1 spent; redeem points for any travel purchase.

  8. Bank of America Travel Rewards credit card review: Full details

    The Bank of America Travel Rewards credit card is currently offering 25,000 bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. These points are redeemable at a flat rate of 1 cent per point toward travel or dining purchases, so this bonus is worth $250 — a solid offer but significantly less ...

  9. Travel Rewards

    Your BankAmericard Privileges ® with Travel Rewards credit card has recently been converted to a BankAmericard Travel Rewards ® credit card. Please visit bankofamerica.com to access your new rewards site and find out what your new credit card program has to offer.

  10. Bank of America® Travel Rewards credit card review

    Though not the most valuable sign-up offer currently available, the Bank of America Travel Rewards credit card does include a decent bonus of 25,000 online points for users who spend $1,000 in the first 90 days. If you redeem these points for travel purchases, they are worth up to $250.

  11. Benefits of the Bank of America Travel Rewards Card

    The Bank of America® Travel Rewards credit card is one of the few travel cards that features a generous 0% APR period: It boasts 0% intro APR on Purchases for 15 billing cycles and 0% intro APR ...

  12. Travel Rewards

    Bank of America ® Travel Rewards. Sign In; bankofamerica.com; Contact Us Press the enter key to open the submenu. Contact Us 24 hours / 7 days a week U.S. 1.800.421.2110 International, call collect 1.302.457.1650 TTY/TDD (for the Hearing Impaired) 1.800.346.3178 ...

  13. Bank of America® Secured Travel Rewards Credit Card

    Bank of America - Outstanding Customer Satisfaction with Financial Health Support - Banking & Payments, 2 years in a row. Secured card products are not eligible for a new account bonus offer, like a bonus points offer and introductory APRs are not available. J.D. Power 2023 Financial Health Support Certification SM is based on exceeding ...

  14. Bank of America Travel Rewards Credit Card Review

    Welcome offer: Decent value compared to similar cards. Bank of America currently offers 25,000 online bonus points when you spend at least $1,000 in qualifying purchases within 90 days of opening ...

  15. Bank of America® Travel Rewards Credit Card review: A simple travel

    The Bank of America Travel Rewards card earns 1.5 points per dollar, the VentureOne offers a slightly lower 1.25 miles per dollar, but it does earn with 5 miles per dollar on prepaid hotels and ...

  16. Bank of America Travel Rewards Guide

    Bank of America Premium Rewards credit card. Rewards rate: Unlimited 2X points on travel and dining purchases; 1.5X points on all other purchases. Welcome bonus: 50,000 bonus points when you make ...

  17. How to redeem points using the Bank of America Premium Rewards credit

    The Premium Rewards card is an excellent cash-back credit card, but if you're interested mainly in travel rewards, the Chase Sapphire Preferred® Card has the same $95 annual fee and equal bonus — you'll earn 60,000 Chase Ultimate Rewards points after spending $4,000 in the first three months of having the card. The Premium Rewards card has a ...

  18. Visa Signature

    Rewards update (October 2013) We're simplifying and improving the redemption experience . An improved online redemption experience ; Access to over 150,000 hotel and resort properties; Choose from all major car rental companies; Enjoy greater self-service options and travel assistance over the phone; What will be the changes to my rewards program?

  19. Your guide to the Bank of America Premium Rewards card airline fee

    This gives you a 75% bonus on all rewards, equating to a minimum of 2.625 points per dollar on all purchases and 3.5 points per dollar on all dining and travel purchases. The card is also currently offering 60,000 points after you spend $4,000 on the card in the first 90 days of account opening, and it carries a $95 annual fee.

  20. Hidden benefits of the Bank of America Travel Rewards card

    Welcome offer: 25,000 bonus points when you make $1,000 in purchases within 90 days of account opening (worth $250 toward travel) Rewards rate: Unlimited 1.5X points on all purchases. Annual fee ...

  21. Bank of America Unlimited Cash Rewards vs. Travel Rewards

    On the other hand, the Bank of America Travel Rewards doesn't carry foreign transaction fees — making it the clear winner in this category. Read our Bank of America Travel Rewards review to learn more. Winner: Bank of America Travel Rewards because it doesn't have foreign transaction fees. 4. Visa Signature benefits

  22. Credit Card Benefits and Features FAQ from Bank of America

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  23. How to use Bank of America travel rewards points

    Welcome bonus: 60,000 online bonus points after spending $4,000 on purchases in the first 90 days Rewards rate: Unlimited 2X points per dollar on travel and dining; 1.5X points per dollar on all ...

  24. How To Use Bank Of America Travel Rewards Points

    Welcome bonus: 60,000 online bonus points (a value of $600) after spending $4,000 on purchases in the first 90 days. Rewards rate: Unlimited 2X points per dollar on travel and dining; 1.5X points ...

  25. Best Credit Cards For Gamers Of 2024

    Considering that the U.S. Bank Cash+® Visa Signature® Card has no annual fee, it offers impressive cash back rewards potential. ... Be aware that Bank of America caps bonus rewards to the first ...

  26. Bank of America Customized Cash Rewards Benefits Guide

    The bottom line. The Bank of America Customized Cash Rewards card doesn't offer the highest rates of cash back out there, as there are some rotating category cards that offer as much as 5 ...