How to apply for your Bank of America Travel Rewards Credit Card

The Bank of America Travel Rewards Credit Card is an appealing option for individuals who prioritize flexibility, transparency, and ease of use in a credit card. Designed by one of the most well-established financial institutions in the United States, this card targets diverse customer profiles—from frequent travelers and passionate diners to those simply seeking to optimize their everyday purchases. Launched on the reliable Visa network, the card boasts wide acceptance across the globe. It manages to combine straightforward rewards earning with broad redemption options, making it a notable contender in a saturated marketplace for travel credit cards.

What truly sets the Bank of America Travel Rewards Credit Card apart is its “no annual fee” structure, making it accessible for a wide audience. Cardholders can expect a seamless experience earning and redeeming rewards, including no blackout dates or complicated restrictions. Its digital-friendly environment, complemented by Bank of America’s stellar traditional branch network and customer service, positions this credit card as an all-rounded financial tool for both casual spenders and travel enthusiasts.

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Main Advantages

The core advantages of this card revolve around its accessibility and earning potential. Cardholders earn unlimited 1.5 points for every dollar spent on all purchases, simplifying the rewards process. There are no annual or foreign transaction fees, offering budget-friendly and international convenience.

Redeem points for statement credits covering a broad spectrum of travel and dining expenses, without blackout dates or restrictions on airlines and hotels. If you are a Bank of America customer enrolled in the Preferred Rewards program, you can maximize your benefits with bonus points, further enhancing overall value.

Exploring the Card Benefits in Detail

• Flexible Rewards Earning: The card offers one of the most straightforward earning structures on the market—1.5 points per dollar spent on every purchase, without the need to track categories or sign up for quarterly promotions. This approach ensures you can earn rewards consistently on all of your spending.
• Broad Redemption Options: Points can be redeemed as statement credits for a wide range of travel and dining expenses, including flights, hotel stays, vacation rentals, baggage fees, and also at restaurants – including takeout. You can also redeem points for qualifying dining purchases.
• No Expiration on Points: As long as your account remains open, your reward points never expire, giving you the freedom to accumulate points for larger future redemptions.
• No Blackout Dates or Restrictions: Book travel as you wish, without worrying about eligible airlines or hotel networks. This added flexibility means your rewards fit your lifestyle, not the other way around.
• No Foreign Transaction Fees: Global travelers benefit immensely as all purchases abroad are free of extra charges.
• Preferred Rewards Program: Members of Bank of America’s Preferred Rewards can boost their earning rate, further increasing the card’s value for loyal customers.
• Visa Network Reliability: Since the card operates on Visa, it is accepted at millions of merchants worldwide, ensuring security and broad accessibility wherever you go.
• Low Introductory APR Offer: 0% Intro APR for the first 15 billing cycles on purchases and balance transfers made within 60 days. After that, a variable APR of 18.24%–28.24% applies. Balance transfers have a 3% intro fee for 60 days, then 4% thereafter.
• 25,000 Online Bonus Points Offer: Earn 25,000 bonus points — worth a $250 travel and dining credit — by spending $1,000 in the first 90 days.

Requirements and Prerequisites for Application

Applicants seeking the Bank of America Travel Rewards Credit Card should meet certain prerequisites.

Typically, a good credit score is required to qualify. Applicants must be at least 18 years old (may vary in different states), a U.S. citizen or resident with a valid Social Security Number or ITIN, and able to provide proof of income. Standard documentation such as a government-issued ID and existing address are also necessary.

Additionally, having a current relationship with Bank of America or strong financial credentials may improve approval odds and starting credit limits. The approval process is generally straightforward via Bank of America’s website or branch locations.

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About Bank of America

Established in 1904, Bank of America is a titan of the American financial sector with a rich history of mergers, innovation, and trusted service. Headquartered in Charlotte, North Carolina, it serves millions of clients across the United States and around the world. Bank of America’s full suite of offerings ranges from checking and savings accounts to loans, investment services, mortgage lending, and credit cards—including co-branded and in-house products.

The institution is known for its technological innovation; over 42 million customers use its digital banking services, and it provides a well-rated mobile app for seamless account management. Bank of America’s blend of physical presence—with thousands of branches and ATMs—and digital convenience places it at the forefront of modern banking, ensuring robust customer support and reliable service across every channel.

Who Is This Card For?

The Bank of America Travel Rewards Credit Card is ideal for consumers who value straightforward reward systems, want to avoid annual and foreign transaction fees, and prefer maximum flexibility in both spending and redemption. Frequent travelers, students, professionals, and even new credit card users can benefit from this card’s no-fuss approach to earning points.

It’s also highly suitable for Bank of America clients looking to boost rewards via the bank’s loyalty program. Ultimately, if you’re seeking a card that delivers value on all purchases—without categorical restrictions or surprise complexities—this card deserves your attention.

Step-by-Step Guide to Apply

• 1. Visit the official Bank of America Travel Rewards Credit Card application page.
• 2. Click “Apply Now” and fill out the secure application with your personal information, including name, address, income, Social Security Number, and employment status.
• 3. Review the terms, conditions, and privacy policy.
• 4. Submit your application and wait to receive a decision, though additional documentation may be requested if further verification is required.
• 5. Upon approval, you will receive your card. You can then activate and set up your account online or via the Bank of America mobile app.

Pros and Cons of the Card

Pros:

• No annual fee ensures long-term affordability.
• No foreign transaction fees make it excellent for global travelers.
• Simple, flat-rate rewards earning—no activation or tracking required.
• Broad redemption opportunities, including both travel and dining purchases.
• Preferred Rewards program offers tiered boosts for loyal customers.
• Solid digital and in-person support via Bank of America’s extensive network.

Cons:

• No bonus categories for elevated earnings beyond the 1.5x rate.
• No luxury travel perks (such as airport lounge access or travel insurance), making it less competitive for high-frequency, premium travelers.
• Credit approval may be strict; not accessible for those with lower credit scores.
• Introductory offers expire over time, so always check the latest promotions.

How to Activate the Card?

Once approved, activating your Bank of America Travel Rewards Credit Card is straightforward. Cardholders can activate via the official Bank of America website or mobile app by logging into their online account or registering as new users. Alternatively, activation is possible via a dedicated phone line provided with the new card mailer.

For extra convenience, setup through the mobile app enables access to digital wallet features and real-time transaction alerts. For support during activation, Bank of America’s customer support is accessible online and by phone.

Fees and Charges

• Annual Fee: None
• Purchases: Enjoy a 0% introductory APR for your initial 15 billing cycles; afterwards, a variable APR between 18.24% and 28.24% applies.
• Balance Transfers: Receive a 0% APR on transfers completed within the first 60 days, valid for 15 billing cycles; a 3% introductory fee applies, increasing to 4% after this period.
• Foreign Transaction Fee: None.
• Late Payment Fee: Up to $40.

Always review the official card terms for the most updated rate and fee disclosures.

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Customer Service Channels

• U.S. Phone Support: 1-800-732-9194 (general inquiries), 1-800-932-2775 (application assistance)
• International Mobile Support: 1-302-738-5719 (roaming charges may apply)

For assistance, you can call one of the numbers listed above.