Bank of America Travel Rewards review – Up to 2.6x points on everything


The Bank of America Travel Rewards card is a great no annual fee option that has big earning potential if you’re a Bank of America customer.

1.5x on everything, and up to 2.6x for some people. You earn 1.5x points on all your purchases, but if you have big checking, savings, or investment account balances with Bank of America or Merrill Lynch you can earn up to 2.6x points on everything you spend, an incredibly lucrative deal.

Real Chip + PIN with no foreign transaction fees. When you’re traveling abroad, this card has a PIN assigned to it, so you can use it at kiosks, ticket machines, toll booths, and other places there isn’t a person on hand to take your signature. It also has no foreign transaction fees to worry about.

Use it for any travel purchase. You don’t have to use special booking sites or airlines. Just pay for any travel with your card, then use your points to erase the purchase from your statement. You can erase as little as $25 at a time, using 2,500 points, or as many as your points will allow. Every point is worth one cent toward travel expenses.


No airline miles. You can’t mix and match these points with airline miles you’ve earned by flying. Instead, think of them like cash you can use toward travel purchases.

No big category bonuses. You can earn 3x points on travel you book via the Bank of America travel website, but other than that there aren’t big category bonuses, and if you don’t have a Bank of America checking or savings account with a big balance you’re earning just 1.5x points on everything else.

Overall Rating
4/5 Stars   
Key Features
  • Earn 1.5 points per $1 on every purchase, every time with no annual fee
  • Online-exclusive 20,000 bonus points after qualifying purchases, that can be $200 towards travel purchases
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates
  • No limit to the total number of points you can earn and points don’t expire
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% – 23.24% Variable APR
  • No foreign transaction fee
  • Bank of America® customer? Enjoy an annual 10% customer points bonus on your total purchases when you have a qualifying Bank of America account.

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

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