Apply for Bank of America Travel Rewards Credit Card Easy Guide

Bank of America Travel Rewards Credit Card was made for you who love to travel but don’t love the complicated reward systems or high annual fees that often come with travel credit cards, that could be your perfect travel partner. 

Whether you’re a student planning your first international trip, a business owner managing travel expenses, or a savvy consumer looking to earn flexible points, this card offers value with every mile.

Let’s walk through everything you need to know—from features to application steps.

What Is the Bank of America Travel Rewards Credit Card?

This credit card is designed for travelers who want to earn points on every purchase without worrying about rotating categories or blackout dates. Issued by Bank of America, the Travel Rewards card earns unlimited points on all spending, making it a top contender for anyone who wants simple, flexible travel rewards.

It’s one of the best credit cards for people who, have fair to excellent credit (recommended score 670+), prefer flexible redemption options over airline-specific miles, travel frequently and want to avoid foreign transaction fees, and want a no-annual-fee card that still offers solid value.

Explore the Top Benefits of the Travel Rewards Card

There are many reasons why this card is a strong travel companion, and it’s not just because of the unlimited points. Below are the standout features you can expect.

Unlimited 1.5X Points on All Purchases

You’ll earn 1.5 points per dollar on every purchase—no matter the category. Unlike other cards, there are no rotating reward categories, so you never have to track your spending or adjust your habits.

No Annual Fee

This card is one of the better options for budget-conscious travelers because it charges no annual fee. That’s a big win when compared to many travel cards that require you to spend hundreds just to break even.

Sign-Up Bonus Worth $250

New cardholders can earn 25,000 bonus points when they spend $1,000 within the first 90 days. That’s equal to $250 in travel credits.

No Foreign Transaction Fees

Use your card internationally without worrying about extra charges. This is ideal for anyone who regularly shops, travels, or dines outside the U.S.

Boosted Rewards for Bank of America Customers

If you’re enrolled in the Bank of America Preferred Rewards program, you can earn up to 75% more points, raising your effective earn rate to 2.62 points per dollar spent.

Together, these benefits make the card better than most alternatives when it comes to simplicity, cost savings, and international travel perks.

Potential Drawbacks to Keep in Mind

Although the Bank of America Travel Rewards Credit Card offers great advantages, it’s important to weigh the limitations too. Unlike premium travel cards, this one doesn’t come with luxury perks like airport lounge access or airline-specific upgrades. Additionally, while the flat 1.5X earning rate is simple and reliable, it may not match the higher earning rates found in tiered or category-based cards.

It also requires good credit, which may make it less accessible for some applicants just starting their credit journey. Still, for most users, especially those who want straightforward rewards without annual fees, these downsides are minimal.

Step-by-Step: How to Apply Online

Applying for this travel credit card is quick and simple, especially if you do it online. Here’s how:

1. Visit the Official Bank of America Website: head to bankofamerica.com and click on the “Credit Cards” tab from the main menu.
2. Locate the Travel Rewards Card: Look for the Bank of America Travel Rewards Credit Card in the Travel & Airline section and click on it to view details.
3. Click ‘Apply Now’: You’ll be redirected to a secure application form where you can begin your request.
4. Complete the Application Form: Enter your personal details including your name, address, income, and Social Security number. Review the terms and conditions, then hit submit.

Once submitted, you may receive an instant decision. If approved, you should receive your new card in the mail within 7–10 business days.

Who Will Benefit Most From This Card?

This card is a solid match for U.S. residents who want flexibility, low maintenance, and reliable travel rewards. It’s ideal for frequent travelers, Bank of America customers, and anyone tired of tracking reward categories.

If you’re rebuilding your credit and want a no-fee card that still earns travel perks, this option should be high on your list.

FAQs

Does the Travel Rewards Card have an annual fee?

No, there’s no annual fee for this card.

What credit score is recommended?

A score of 670 or higher is typically required for approval.

Is there a foreign transaction fee?

No, you can use the card abroad without paying additional fees.

Are there blackout dates or airline restrictions?

No, your points can be used for any travel purchase—airlines, hotels, rental cars, and more.

Is This the Right Travel Card for You?

The Bank of America Travel Rewards Credit Card delivers exceptional value for travelers looking for simplicity, savings, and global flexibility. With its unlimited 1.5X points, no annual fee, generous welcome bonus, and no foreign transaction fees, it’s one of the best travel cards for everyday use.

It’s especially useful for Bank of America customers and anyone looking to avoid the hassle of managing rotating categories or loyalty program restrictions. 

If you want a step-by-step guide on applying for another great card, check out our article, “How to Apply for Ally Platinum Mastercard: Easy Step-by-Step Guide”.

For more insights on credit cards and financial tips, visit nswShop.com, your trusted source for smart money moves.

Hugo