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Credit Card Review🧳 Best No-Fee BofA Travel Card

Bank of America® Travel Rewards Credit Card

Issued by Bank of America

Unlimited 1.5 points per $1 on all purchases, 3 points per $1 on travel booked through Bank of America Travel Center — plus 25,000 online bonus points (~$250 in travel statement credits) after $1,000 spend in first 90 days.

At a Glance

Annual Fee

$0

Purchase APR

17.49%–27.49%

Rewards Rate

Unlimited 1.5 points per $1 on all purchases, 3 points per $1 on travel booked through Bank of America Travel Center

Min. Credit Score

670+ (est.)

Intro APR

0% on purchases & balance transfers for 15 billing cycles

Sign-Up Bonus

25,000 online bonus points (~$250 in travel statement credits) after $1,000 spend in first 90 days

Rates & Fees

Annual Fee

$0

Purchase APR

17.49%–27.49% variable

Intro APR

0% on purchases & balance transfers for 15 billing cycles

Foreign Transaction Fee

None

Balance Transfer Fee

3% intro fee for transfers made in the first 60 days, then up to 5% ($5 min)

Cash Advance Fee

Up to 5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $40

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Bank of America® Travel Rewards Credit Card would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: The 3x rate applies only to travel booked through the Bank of America Travel Center portal; other travel purchases earn the 1.5x base rate used here.

Est. Annual Rewards

$378/yr

After $0 Annual Fee

$378/yr

Based On

$1,950/mo

Key Features

No foreign transaction fees — good for international travel

Points never expire and don't have blackout dates

Bank of America Preferred Rewards members earn 25–75% more points

Pros & Cons

Pros

  • No annual fee travel card with a simple flat rate
  • Points redeem as a statement credit against any travel purchase, not just portal bookings
  • Preferred Rewards can boost earn rate up to 2.62x on everyday spend

Tradeoffs

  • 1.5x base rate trails some no-fee cashback competitors
  • 3x rate limited to the BofA Travel Center portal
  • No premium travel protections or lounge access

How to Apply

Check whether your credit profile is a reasonable fit — Bank of America generally looks for applicants around 670+ FICO for the Bank of America® Travel Rewards Credit Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Bank of America's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Bank of America® Travel Rewards Credit Card$017.49%–27.49%Unlimited 1.5 points per $1 on all purchases, 3 points per $1 on travel booked through Bank of America Travel Center
Chase Sapphire Preferred®$9521.49%–28.49%5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel
Chase Sapphire Reserve®$79519.49%–29.99%3x travel & dining worldwide
Capital One Venture X$39519.49%–28.49%10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Frequently Asked Questions

What credit score do I need for the Bank of America® Travel Rewards Credit Card?

Bank of America generally looks for applicants with a credit score around 670+ for the Bank of America® Travel Rewards Credit Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Bank of America® Travel Rewards Credit Card?

The Bank of America® Travel Rewards Credit Card has no annual fee, so there's no ongoing cost to keep the card open.

Does the Bank of America® Travel Rewards Credit Card have a sign-up bonus?

Yes — new cardholders can currently earn 25,000 online bonus points (~$250 in travel statement credits) after $1,000 spend in first 90 days. Bonus terms and required spend change over time, so confirm the current offer on Bank of America's site before applying.

What fees should I watch for on the Bank of America® Travel Rewards Credit Card?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (3% intro fee for transfers made in the first 60 days, then up to 5% ($5 min)), cash advance fee (Up to 5% or $10 minimum, whichever is greater), and late payment fee (Up to $40). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Bank of America® Travel Rewards Credit Card compare to similar cards?

The Bank of America® Travel Rewards Credit Card is one of several travel cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of travel cards for more options.

Other Credit Cards

Chase Sapphire Preferred®

5x Chase Travel, 3x dining, gas/EV charging, online grocery, streaming & vacation rentals, 2x other travel

Chase Sapphire Reserve®

3x travel & dining worldwide

Capital One Venture X

10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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