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Bank of America Travel Rewards Credit Card
This is the set-it-and-forget-it travel card for Bank of America customers: a flat 1.5 points per dollar, no annual fee, no foreign fee, and points wipe out any travel charge as a statement credit with no transfer hoops. The leverage is Preferred Rewards status, which can push earning up to roughly 2.6x if you hold qualifying BofA/Merrill balances; without those balances, a plain 2% card out-earns it. There are no transfer partners, so award-chasers should look elsewhere. Run $2,000/month through it at base rate and that's 36,000 points, about $360 toward travel; confirm the Preferred Rewards tiers on BofA's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Redeem points as a statement credit against any travel charge
- ✓Preferred Rewards members pick up 25% to 75% more points
- ✓No blackout dates and nothing to transfer
👍 Pros
- + Carries no yearly fee
- + No surcharge on purchases made abroad
- + A lifted earning rate for Bank of America customers
👎 Cons
- – There are no transfer partners
- – A flat rate with no bonus categories
- – Top value depends on holding Preferred Rewards balances
Can you get it?
- ▸A credit score in the good-to-excellent range
- ▸Enough income to back the credit line
- ▸The Preferred Rewards bonus depends on qualifying Bank of America or Merrill balances
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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