Bank of America® Travel Rewards
Earn 1.5X points on every purchase with $0 annual fee and 0% foreign transaction fees
Earn unlimited 1.5 points per $1 on all purchases with no annual fee and no foreign transaction fees. Redeem points for statement credits on travel and dining. BofA Rewards members earn 10%-75% more — up to 2.62 points per $1 on every purchase.
- Annual Fee
- $0
- Bank of America points · Welcome Bonus
- 25,000
- Highest rate (conditional)
- Up to 3X (Travel portal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Bank of America points
- Point Valuation
- 0.6–1 cpp (mid: 1)
- Credit Required
- Excellent
Welcome Offer
25,000
Bank of America points
$1,000
Spend Required
3 months
Time Period
Earn 25,000 online bonus points after spending $1,000 in the first 90 days of account opening. Redeem as a $250 statement credit toward travel and dining purchases.
Earning Rates
- 3X
Travel
- 1.5X
All Other
Earning Scenarios
1.5X on All Purchases
Earn unlimited 1.5 points per dollar on every purchase. No rotating categories to track, no caps, no activation required. Points never expire as long as your account remains open.
Spend $2,000/month: earn 36,000 points per year ($360 toward travel and dining)
3X on Bank of America Travel Center
Earn 3 points per dollar on travel booked through the Bank of America Travel Center, including flights, hotels, rental cars, and cruises.
Book a $1,500 vacation through Travel Center: earn 4,500 points ($45 toward future travel)
Benefits & Perks
Travel Benefits
4 perksInternational
Digital Services
Account Services
Insurance & Protections
1 protectionsFICO® Score
Now, when you opt-in you can access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking.
Program & Transfers
Bank of America Rewards Points
Bank of America Rewards Points is the rewards program for this card. Transfer-partner details are currently unavailable.
Bank of America Rewards Points is a straightforward statement credit program with a fixed 1 cpp value for travel and dining redemptions. There are no transfer partners, so redemption flexibility is limited compared to Chase Ultimate Rewards or American Express Membership Rewards. However, the Preferred Rewards program can significantly boost earning rates by up to 75% for members with qualifying Bank of America and Merrill combined account balances.
Program Ratings
Recent Changes & News
Bank of America is rebranding its Preferred Rewards program to 'BofA Rewards' in May 2026 with updated tier names, new elite benefits, and refreshed asset thresholds for Diamond tier
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Domestic roundtrip flight statement credit | 30,000–50,000 | — | United States |
| International economy flight statement credit | 60,000–100,000 | economy | Europe |
| Premium cabin international flight statement credit | 100,000–150,000 | business | Asia |
| Hotel stay statement credit | 15,000–30,000 | — | United States |
| Vacation rental statement credit | 20,000–40,000 | — | United States |
| Dining statement credit | 2,500–10,000 | — | Global |
Reviews & Analysis
Third-Party Rankings & Ratings
6 sourcesHow It Compares
With $0 annual fee, the Travel Rewards card delivers unlimited 1.5X points on all purchases plus 0% foreign transaction fees. Points redeem at 1 cent each for travel and dining. BofA Rewards Premier-tier members ($1M+ in BofA/Merrill balances) earn 2.625 points per $1.
The Math: Is $0 Worth It?
First-year value includes $250 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 17.74%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
FAQs
Do Bank of America travel rewards points expire?
No, points don't expire as long as your Bank of America credit card account is open and active. Once you close a card, any unredeemed points on that card are lost.
Can I transfer Bank of America points to airline or hotel partners?
No. Bank of America points cannot be transferred to external loyalty programs. You can only redeem them for statement credits, cash back, or gift cards.
What is the minimum redemption for Bank of America points?
You need at least 2,500 points to redeem. That's worth $25 toward travel/dining statement credits or $15 as cash back.
Can I share or transfer points to another person?
No. You cannot transfer points to another cardholder or person. You may be able to transfer rewards between your own eligible Bank of America accounts by calling customer service.
How does Bank of America Preferred Rewards boost my earning rate?
Preferred Rewards members earn 25% (Gold), 50% (Platinum), or 75% (Platinum Honors/Diamond) more points on every purchase. A card earning 1.5x would earn 2.625x at the Platinum Honors tier.
What purchases qualify for travel/dining statement credit redemptions?
Flights, hotels, vacation rentals (including Airbnb), baggage fees, car rentals, and restaurant meals all qualify as travel/dining purchases.
What is the difference between Bank of America card families?
Travel Rewards (no annual fee, 1.5x all), Premium Rewards ($95 AF, 2x travel/dining), Premium Rewards Elite ($550 AF with luxury travel benefits), Customized Cash Rewards (no AF, 5.25% in chosen category), and Unlimited Cash Rewards (no AF, simple cash back).
Media & Resources
Video Reviews
7 videosBank of America Travel Rewards Credit Card Review | Maybe
I Ranked Every Bank of America Credit Card (Best Cards in 2025)
Bank of America Travel Rewards Card Review 2025 | Worth It or Leave It?
Bank of America Travel Rewards Secured Credit Card Review 2025
Bank of America® Travel Rewards Card Review 2025 | Unlimited Points for Travel!
Bank of America Travel Rewards Card Review (2026) - Maximize Travel Points
Third-Party Articles & Reviews
Chase Sapphire Preferred vs. Bank of America Travel Rewards
Bank of America Travel Rewards Guide
Bank of America Travel Rewards credit card review: Simplicity for points beginners
Best Bank of America Credit Cards Of February 2026
Bank of America Travel Rewards Credit Card Reviews (2026)
Is the Bank of America Travel Rewards Credit Card Worth It?
Bank of America Travel Rewards Credit Card Review
Bank of America Travel Rewards Review: A Simple Travel Card With No Fees, but Few Perks
Benefits of the Bank of America Travel Rewards card
Bank of America Travel Rewards credit card
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Bank of America | Bank of America |
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