Bank of America Travel Rewards Credit Card for Students
1.5x points on everything with $0 annual fee and $0 foreign transaction fees
Earn 1.5 points per $1 on all purchases (3x through BofA Travel Center) with no annual fee and no foreign transaction fees. Get a 25,000-point welcome bonus worth $250 in travel after $1,000 spend. 0% intro APR for 15 billing cycles gives students interest-free runway on purchases and balance transfers.
- 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
- Authorized User 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
- Good to 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 purchases in the first 90 days. Redeem as a $250 statement credit toward flights, hotels, vacation packages, cruises, rental cars, baggage fees, or restaurant purchases.
Earning Rates
- 3X
Travel
3 points per $1 on travel booked through Bank of America Travel Center.
- 1.5X
All Other
1.5 points per $1 on all purchases
Earning Scenarios
3x on Bank of America Travel Center
Earn 3 points per $1 on flights, hotels, rental cars, vacation packages, and cruises booked through the Bank of America Travel Center. No blackout dates or website restrictions.
Book a $1,500 spring break trip through BofA Travel Center: earn 4,500 points ($45 value) — double what you'd earn at the base rate
1.5x on Everything Else
Earn 1.5 points per $1 on all purchases everywhere, every time. No categories to track, no quarterly activation, no cap. Simple flat-rate earning on groceries, gas, dining, subscriptions, and more.
Spend $1,000/month on everyday purchases: earn 18,000 points annually ($180 in travel credits)
Benefits & Perks
Annual Credits & Statement Credits
1 credits0% APR for 15 billing cycles on purchases and transfers
No interest charges for 15 billing cycles—interest-free borrowing for major purchases or balance transfers
—
Annual
Insurance & Protections
3 protections$10,000 purchase protection per claim
primary
Covers purchases against damage or theft for 90 days—protect your travel gear and electronics
$0 liability for unauthorized transactions
Never pay for fraudulent charges—Bank of America monitors your account and alerts you to suspicious activity
FICO® 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.
Details & Terms
Payment Terms
| Purchase APR | 17.74%–27.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User 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).
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesHow It Compares
With $0 annual fee, the BofA Travel Rewards Student card earns 1.5x on everything and 3x on BofA Travel Center bookings. The 25,000-point welcome bonus ($250 value) requires only $1,000 spend, and 15 billing cycles of 0% APR provide interest-free flexibility for students.
Pros and Cons
Pros
- +25,000 point welcome bonus after $1,000 spend ($250 travel value)
- +Flat 1.5 points per dollar on all purchases
- +No foreign transaction fee (ideal for study abroad)
- +No annual fee
- +0% intro APR for 15 billing cycles on purchases and balance transfers
- +3x points on travel booked through Bank of America Travel Center
- +Up to 75% bonus with BofA Rewards (Premier tier)
- +Points worth 1 cent each for travel redemptions
Cons
- -Requires Bank of America relationship for best value (BofA Rewards)
- -Points less flexible than cash back
- -Lower earn rate than category-specific cards
- -Higher credit requirement (Good/Excellent) than other student cards
- -Missing good grades reward that Discover offers
- -No first-year rewards match like Discover
Who It's Best For
Best For
- Students planning to study abroad or travel internationally
- Bank of America customers who can qualify for higher BofA Rewards tiers (up to 2.625 points per $1 at Premier)
- Students who want a solid welcome bonus (25,000 points = $250 travel value)
Not Ideal For
- Students without existing Bank of America banking relationship
- Those who prefer cash back over travel points
- Students with heavy dining spending who would earn more with category cards
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
Media & Resources
Video Reviews
8 videosCapital One Quicksilver Student vs BofA Travel Rewards Student | Best Student Credit Card 2026
Best Credit Cards for Students in USA (Build Credit the RIGHT Way)
0% Intro APR - Earn 1.5 Points on Every $1 - Bank of America Travel Rewards Credit Card for Students
Bank of America Student Credit Card Review: Pros and Cons
Best Credit Cards for College Students 2025
Bank of America Travel Rewards Credit Card For Students Review 2025 | Pros and Cons – Honest
Bank of America Student Travel Rewards Credit Card Review: Pros and Cons Explored
Third-Party Articles & Reviews
Bank of America Travel Rewards Card for Students Review
FinanceBuzz's in-depth review analyzing intro APR offers, credit-building tools, and comparisons to Capital One Quicksilver Student and Discover it Student.
Bank of America Travel Rewards Credit Card for Students 2026 Review
U.S. News review evaluating the card for students wanting unlimited flat-rate travel rewards. Rating: 4.0/5. Includes editor's take and tips for maximizing rewards.
Bank of America Travel Rewards Credit Card Reviews (2026)
WalletHub's review covering the card's 1.5 points per dollar earning rate, no foreign transaction fees, and overall value proposition for students.
Bank of America Travel Rewards Credit Card for Students Review
Business Insider's review covering the card's welcome bonus worth $250, 0% intro APR, and discussion of who should and shouldn't apply. Rating: 4.1/5.
Bank of America Travel Rewards for Students Credit Card Review
CNBC Select's review highlighting the welcome bonus, no annual fee, no foreign transaction fees, and unlimited 1.5x earning on all purchases.
Bank of America Travel Rewards Credit Card for Students Review
Credit Karma's insights on the card including the 25,000-point welcome offer and travel rewards structure. Positioned as a strong choice for young travelers.
Bank Of America Travel Rewards Credit Card For Students Review
Forbes Advisor's comprehensive review covering features, benefits, pros and cons, and comparisons with Discover it Student and Citi Double Cash. Rating: 4.8/5.
The Best Travel Credit Cards for Students & Gappers in 2026
Go Overseas guide ranking the BofA Travel Rewards card as the best all-around student travel card for study abroad, emphasizing no annual fee and no foreign transaction fees.
Bank of America Travel Rewards Credit Card for Students Review
NerdWallet's detailed review covering welcome offer, earning rates, and comparison with other student travel cards. Notes students may struggle to qualify.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Bank of America | — | Bank of America |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Bank of America | Bank of America: Balance transfer fee | |
| Bank of America | Bank of America: Apr | |
| Bank of America | Bank of America: Apr | |
| Bank of America | Bank of America: Welcome offer | |
| Bank of America | Bank of America | |
| Bank of America | Bank of America |
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