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Bank of America Travel Rewards

Bank of America · Visa · $0 annual fee

Compare this card →View full details
670
Min Score
17.49–27.49%
APR Range
0%
Intro APR · 15 cycles
No
Foreign Fee
$0
Annual Fee
Welcome Bonus
25,000 points
≈ $250 toward travel
After you spend $1,000 in the first 90 days.
How You Earn · points per $1
Purchases
1.5x
Everything — no categories, no caps
Purchases
2.62x
With top-tier Preferred Rewards status

What you get with the card — tap a row for details.

BoostPreferred Rewards — what you actually earn▾
The card earns 1.5x on its own. If you keep money at Bank of America or Merrill, Preferred Rewards raises that rate. Here is the whole program in four lines:

• No BofA money → 1.5x
• $20,000+ (Gold) → 1.87x
• $50,000+ (Platinum) → 2.25x
• $100,000+ (Platinum Honors) → 2.62x

Balances count across BofA checking/savings and Merrill investment accounts, averaged over three months. At the top tier this is one of the best flat rates available on any card — with no annual fee. At the bottom tier, a plain 2% cash-back card earns more.
StatementRedeem as a travel statement credit▾
Book travel however you like — any airline, any hotel, any booking site — then erase the charge with points at 1¢ each. There’s no portal to go through and no blackout dates. Simple, if not lucrative.

Terms apply; verify current details and Preferred Rewards tiers with Bank of America before applying.

The latest changes to this card — newest first. Verified against issuer terms.

2026NEW

Only worth it if you bank with BofA

At Platinum Honors, 2.62x on every purchase with no annual fee and no foreign transaction fee is genuinely best-in-class. Without Preferred Rewards status, a plain 2% cash-back card simply earns more.

2026

25,000-point welcome bonus holds

25,000 points (about $250 toward travel) after $1,000 of spending in the first 90 days.

2026

Redemption stays refreshingly simple

No portal, no blackout dates — book any travel, then wipe the charge with points.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Bank of America before applying.