Bank of America Travel Credit Cards for January 2025
Apply for a Bank of America Travel Credit card. On 25.01.2025 you have access to credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
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Kirill D
Update 16.06.2024
Bank of America Travel Credit Cards
Bank of America Travel Rewards
No annual fee and no foreign transaction fees.
Bank of America Travel Rewards Credit Cards earn 1.5 points per $1 spent on any purchase. Use the card to book trips with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases.
0% Intro APR for 18 billing cycles for purchases and 60 days for balance transfers. After Intro APR offer ends, 17.74% to 27.74% variable. 3% balance transfer fee.
Welcome bonus is 25,000 online bonus points when you spend at least $1,000 in the first 90 days after account opening. Redeem points for a $250 statement credit and use towards travel or dining purchases.
Preferred rewards members can earn 25% to 75% more on every purchase. That means you can earn 1.87 to 2.62 points per $1 spent anywhere.
Online only offer for Bank of America Travel Rewards credit card may not be available at a Bank of America financial center.
Bank of America Premium Rewards
$95 annual fee. No foreign transaction fees. Use your card without fees while traveling.
2 points per $1 spent on dining and travel purchases. 1.5 points per $1 spent on all other purchases. Bonus points are unlimited and do not expire as long as your account is open.
Redeem rewards for cash back towards Bank of America savings accounts, checking accounts, Merrill investment accounts, statement credit to the credit card, or gift cards or purchases at the Travel Center.
After you spend at least $3,000 in the first 90 days of account opening, Bank of America gives you 50,000 online bonus points. That’s $500.
Up to $200 in statement credits with Airline Incidental and TSA PreCheck. Travel and purchase protections, luxury hotel collection, concierge service.
Preferred rewards members earn 25%-75% more bonus points on every dollar spent. 2.5 to 3.5 points per dollar on travel and dining purchases. 1.87 to 2.62 points on all other purchases.
Bank of America Premium Rewards Elite
$550 annual fee. No foreign transaction fees.
Elite credit card earns 2 points per $1 on dining and travel purchases. 1.5 points per $1 on all other purchases. Choose rewards category: travel points, cash back, statement credit, gift cards or a distinctive experience.
50,000 bonus points after you spend $3,000 in the first 90 days of account opening. Points are worth $500 you can redeem towards the categories you choose.
Preferred rewards member earns 2.5 to 3.5 points on travel and dining purchases. 1.87 to 2.62 points on all other purchases.
You’ll save 20% on airfare when you pay with points via the Bank of America Travel Center or Concierge. Domestic and international airfare for any class.
Alaska Airlines Visa
$75 annual fee. No foreign transaction fees.
3 miles per $1 on Alaska Airlines purchases. Miles do not expire as long as your account is open. 1 mile per $1 on all other purchases.
50,000 bonus miles after you spend $2,000 in the first 90 days of account opening. That’s $500 plus $99 fare and taxes and fees of $22 for Alaska’s Famous Companion Fare.
Free checked bag for you and up to six guests on a reservation. Save $60 per person with this offer.
Free Spirit Travel More World Elite Mastercard
$75 annual fee. No foreign transaction fees.
0% Intro APR for the first year you use the card, then standard APR.
Points you earn: 3 points per dollar on eligible Spirit purchases, 2 points per dollar on eligible dining and grocery store purchases, 1 point per dollar on all other purchases. Points do not expire as long as account is open.
60,000 bonus points and a $100 Companion Flight Voucher when you spend $1,000 in the first 90 days. $100 Companion Flight Voucher also available once a year after you spend $5,000 in the prior year.
Royal Caribbean Visa Signature
No annual fee. No transaction fees.
MyCruise points earned at 2 points per $1 on Royal Caribbean and Celebrity Cruises purchases. 1 point per $1 on all other purchases. Redeem points for onboard credit, stateroom upgrades and cruise vacations.
10,000 MyCruise points after first purchase 90 days after account opening. Worth $100 in onboard credit.
After you spend $3,500 in the first 90 days, you get a $50 discount on Royal Caribbean’s Air2Sea program. Not available for students.
Rewards can be redeemed for cruise upgrades, discounts, free cruises and onboard credits.
Norwegian Cruise Line World Mastercard
No annual fee. No transaction fee. Balance transfers 3% of each transaction.
3 WorldPoints per dollar on Norwegian purchases, 2 points on eligible air and hotel purchases, 1 point on all other purchases.
Points can be redeemed for stateroom upgrades, travel discounts, onboard credits, car rentals, hotel stays and gift cards.
Online offer: 20,000 points after you spend $1,000 in the first 90 days. Redeem points for $200 off your Norwegian cruise.
Preferred rewards members earn 25%-75% more points on each purchase. Applied to 1 point per $1 spent.
Celebrity Cruises Visa Signature Credit Card
No annual fee. No foreign transaction fees.
2 MyCruise points per dollar on Celebrity Cruises and Royal Caribbean purchases.
Online offer: 10,000 points after first qualifying purchase in 90 days. Worth $100 onboard credit.
Redeem points for cruise updates and discounts, onboard credits for staterooms, spa, restaurants and shore excursions and free cruises.
Pros and Cons
Pros
Rewards are flexible. You can earn travel points, cash back or other rewards. Points don’t expire as long as your account is active so you can redeem points whenever you want.
Intro APR offer 0% for purchases and balance transfers. Most cards have 12 months intro annual percentage rate. That means for the first year you won’t pay any interest.
You earn points and miles on all purchases. Among the eligible purchases earning 3 and 2 points, you always get 1 point per $1 on all other purchases.
Fraudulent transactions protection. Free and automatic. Your bank account and credit card is secure.
Contactless payments at millions of locations. If the location you want to make a purchase at has contactless payments installed, you can use your Bank of America travel rewards credit card.
Balance Connects to avoid overdrafts. You won’t have to worry about overdraft fees, Bank of America allows you to draw even beyond your current balance.
Preferred rewards members earn more points per $1. Free to enroll. You just need to have a bank account and have at least $20,000 average daily balance for 3 months. You’ll earn 25%-75% more points per $1.
Cons
Intro APR offer ends, interest rate is variable. Your interest will be based on the Prime rate. It may drop but it has been rising lately. So your credit card will cost more over time.
You can’t boost your points or miles earnings on each card. Only some cards allow Preferred Rewards members to earn more points. If you don’t qualify for Preferred Rewards program, you can’t increase your earning base in any way.
Minimum redemption requirement. For example, Bank of America Travel Rewards credit card has a minimum redemption of 2,500 points for cash or travel.
Terms and conditions
Bank of America has travel credit cards where you can earn rewards to spend on travel.
You get travel bonus points to vacation packages and cruise lines rewards. You can apply online for cards. Standard APR is 17.74% to 27.74% variable. You need to meet these requirements to apply for the travel rewards credit cards:
Have an active checking or savings account.
Be 18 years old or 21 years old if you live in Puerto Rico.
Live in one of the 50 States, Washington D.C., APO/FPO/DPO, Guam, Puerto Rico, Northern Mariana Islands, American Samoa or U.S. Virgin Islands.
Note: You need at least 750 FICO score.
How to apply Bank of America travel credit card
Open credit cards page and click on “Travel Rewards”;
Choose the card you like or compare them;
Click “Apply Now” on one of the cards;
Fill in your name, address, zip code, phone number and email address;
You will need to provide financial information, SSN, bank account and employment.
Once you submit the application, Bank of America will review it. You can check the status of your credit card application on the “Credit Card Application Status” page. You will need to enter the following to verify your identity:
Last name
Date of birth
Last 4 digits of your Social Security number
ZIP code.
Click Submit to check your application status.
Bank of America will decide if you qualify and will notify you via email if approved or not. If approved, you will receive the credit card in 7-10 business days.
Bank of America Preferred Rewards
Bank of America Preferred Rewards is a program that gives higher benefits to Bank of America customers. To become a preferred rewards member, you need to have a checking account with Bank of America and enroll in the program.
There are four tiers in the Preferred Rewards program:
Gold tier is for 3 months average daily balance of $20,000 to $50,000. On credit cards, you get 25% rewards bonus and 0.05% annual fee discount for Merrill investment accounts.
Platinum tier starts from $50,000 to $100,000 for 3 months average daily balance. It gives 50% reward bonus on credit cards and 0.10% annual fee discount on Merrill investing.
Platinum Honors tier is for customers with $100,000-$1M of 3 months average daily balance. The tier gives 75% rewards bonus on credit cards and 0.15% annual fee discount on Merrill investing.
Diamond tier is for $1M-$10M of 3 months average daily balance. You get 75% reward bonus on credit cards and 0.15% annual fee discount on Merrill investing.
There is no fee to enroll in the Preferred Rewards program. To become a member, you need:
To have a Bank of America checking account. It must be open.
Have at least $20K 3 months average combined balance. It includes balances in your deposit and Merrill investment accounts.
How to Redeem Rewards
As you earn points on your Bank of America Travel Credit Card, you can redeem them for statement credit and pay for hotels, in flight purchases, vacation packages, rental cars, baggage fees and cruises. Each point is worth 1 cent.
You can also redeem for gift cards and cash back. The rate is 0.6 cents per point.
You can get cash back as a check or direct deposit to your Bank of America savings or checking account. If you have a Merrill Cash Management Account, you can get cash back there.
Bank of America has a My Rewards feature where you can log in to your account and see all your credit cards' rewards.
My Rewards allows you to:
Track your rewards, benefits and details throughout the year
Explore redemption options and redeem points
Discover new benefits you might have missed.
Pay your debt
You can manage your credit card accounts through online banking and mobile app.
To pay using the website:
Log in to your Online Banking account;
Click on Bill Pay;
Select Manage Pay To/Pay From Accounts if you are paying from an account with another bank. Then click Add Pay From Account and enter the routing number.
Click Transfer | Send and then Between My Accounts At Bank of America if you are transferring from your Bank of America account.
If you have the mobile app, you can pay your credit card debt through the app. Log in to your Mobile Banking app, select your credit card account and tap the "Make a payment" button.
You can set up automatic payments. To do this, enroll in eBills. Then log in to your account, click on Bill Pay and find the credit card account you want to set up automatic payments on. Click Add AutoPay in the AutoPay menu and then click the "Based on eBill's amount due date" button. Choose your Pay From account, enter the amount or submit and then set the Deliver by date. Save and get a confirmation of your payment.
If you make a credit card payment online, it will post the same day for internal transfers and 24 hours if you pay from another financial institution.
If you don’t have enough funds to pay your credit card bill, contact Bank of America to help.
Editorial Opinion
Bank of America has travel credit cards for every kind of travel. The Bank of America® Travel Rewards credit card for example has unlimited 1.5 points per dollar on all purchases, no annual fee and no foreign transaction fees. The Bank of America® Premium Rewards® credit card has higher rewards on travel and dining and travel credits. These cards are great for frequent travelers who want flexible redemption options for travel expenses and benefits
Bank of America travel credit cards allow you to earn points or miles on eligible purchases for every $1 you spend. You can then redeem the points for travel. Some cards have no annual fee and have an Intro APR offer.
Is it hard to get a Bank of America Travel Rewards card?
It may be hard to get a Bank of America Travel Rewards credit card as the Bank requires good to excellent credit score. Try applying for other travel reward cards like the Venture Rewards credit card from Capital One.
What are the perks of the Bank of America travel card?
You get 0% intro APR and some cards have no annual fee. You can also choose to earn points, miles or cash back. Bank of America Preferred Rewards program rewards customers of the bank with more benefits. To be a preferred rewards member, customers must have a checking account with Bank of America and enroll in the program.
How long does a travel card from Bank of America take to arrive?
As long as you have an active bank account, your unlimited rewards don’t expire. You can redeem credit card rewards on the categories any time you want. You can redeem them for statement credit and pay for hotels, in flight purchases, vacation packages, rental cars, baggage fees and cruises. Each point is worth one cent.
