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Bank of America Travel Credit Cards for February 2024

Bank of America
Apply for a Bank of America Travel Credit card. On 27.02.2024 you have access to 8 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 8
Updated:
11.02.2024
12:18
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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Rate
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Effective interest rate on the product

18.24 – 28.24 %
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
1000
Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

18.24 – 28.24 %

Credit Card Online Application of February 2024

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CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
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JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
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OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
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My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
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Plain Green Loans
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The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
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Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
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Terms and conditions

Bank of America has several travel credit cards allowing you to get rewards you can spend on traveling. You gain benefits from travel bonus points to vacation packages and cruise lines rewards. Bank of America allows you to apply for cards online. The standard APR on the cards is 17.74% to 27.74% variable.

Bank of America® Travel Rewards®

There is no annual fee and no foreign transaction fees.

  1. Earn points. Bank of America Travel Rewards Credit Cards allow you to get 1.5 points for each $1 spent on any purchase. You can use the card to book trips with no blackout dates and pay yourself with a statement credit towards travel and dining purchases.
  2. Introductory APR offer. There is a 0% Intro APR for 18 billing cycles for purchases and for 60 days for balance transfers. After the Intro APR offer ends, the rate will be from 17.74% to 27.74% variable. You will pay a 3% fee for the balance transfers.
  3. 25,000 online bonus points.The welcome bonus is 25,000 online bonus points when you spend at least $1,000 within the first 90 days after your account opening. You can redeem the points for a $250 statement credit and use it for travel or dining purchases.
  4. Preferred Rewards program. Preferred rewards member can earn from 25% to 75% more on each purchase. It means you will earn from 1.87 to 2.62 bonus points for each $1 spent anywhere. The online only offer for the Bank of America Travel Rewards credit card may not be available when you visit a Bank of America financial center.

Bank of America® Premium Rewards®

The annual fee is $95. The card has no foreign transaction fees. You can use your card without incurring fees while traveling.

  1. Earn points. You will earn 2 points for every $1 spent on dining and travel purchases. For all other purchases, you will get 1.5 points per $1 spent. Your bonus points are unlimited, meaning they do not expire as long as your account is active. You can redeem rewards for cash back towards Bank of America savings accounts, checking accounts, Merrill investment accounts, statement credit to the credit card, and gift cards or purchases at the Travel Center.
  2. Online bonus points. After you spend at least $3,000 within the first 90 days of your account opening, Bank of America rewards you with 50,000 online bonus points. It is equivalent to $500. There is an up to $200 offer on statement credits with Airline Incidental and TSA PreCheck. You will have access to travel and purchase protections, a luxury hotel collection, and concierge service.
  3. Preferred Rewards program. Preferred rewards members get 25%-75% more bonus points on the dollar spent. You can earn 2.5 to 3.5 points on each dollar spent on travel and dining purchases. All other purchases will earn you 1.87 to 2.62 points.

Bank of America® Premium Rewards® Elite®

The annual fee is $550. There are no foreign transaction fees.

  1. Earn points. The Elite credit card has 2 points per $1 spent on dining and travel purchases. On all other purchases, you will earn 1.5 points per $1. You can choose the rewards category: travel points, cash back, a statement credit, gift cards, or a distinctive experience.
  2. Bonus points and rewards. There is a welcome bonus of 50,000 bonus points after you spend $3,000 within 90 days of your account opening. The points are $500 you can then redeem towards the categories you choose.
  3. Preferred Rewards program. Preferred rewards member earns 2.5 to 3.5 points for travel and dining purchases. Other purchases give from 1.87 to 2.62 points for every dollar spent. You will save 20% on airfare when you pay with points via the Bank of America Travel Center or Concierge. It applies to domestic and international airfare for any class.

Alaska Airlines Visa® Credit Card®

The card has a $75 annual fee. There are no foreign transaction fees.

  1. Earn points. You will be earning 3 miles per each $1 spent on Alaska Airlines purchases. The miles do not expire while your account is active. On all other purchases, you will be earning 1 mile per $1.
  2. Bonus points and rewards. You will get 50,000 bonus miles after you spend $2,000 within the first 90 days after your account was opened. It gives you $500 plus $99 fare and taxes and fees of $22 for Alaska's Famous Companion Fare. There is a free checked bag for you and up to six guests on a reservation. You can save $60 per person with this offer.

Free Spirit® Travel More World Elite Mastercard®

The annual fee is $75. There are no foreign transaction fees.

  1. Introductory APR offer. The card has an Intro APR offer of 0% for the first year you use it, and after 12 months, the APR will switch to standard. The points you can earn are 3 per dollar spent on eligible Spirit purchases, 2 per dollar spent on eligible dining purchases and grocery stores, and 1 per dollar spent on all other purchases. The points are not limited and active for the time your account stays open.
  2. Bonus points and rewards. There is a generous welcome offer of 60,000 bonus points plus a Companion Flight Voucher of $100 when you spend at least $1,000 within the first 90 days. Companion Flight Voucher of $100 is also accessible once a year after you make at least $5,000 in purchases in the prior year.

Allegiant World Mastercard®

The annual fee is $59. There are no foreign transaction fees.

  1. Earn points. The card earns 3 points on Allegiant purchases in air, car rentals, amusement parks, and hotel purchases. You will be getting 2 points on qualifying dining purchases and 1 point on all other purchases.
  2. Bonus points and rewards. There is an online offer of 15,000 bonus points after you spend at least $1,000 within 90 days. It equals to $150 you can spend on a future Allegiant trip. Every time you fly Allegiant and use your Allegiant credit card, you get complimentary priority boarding and a free beverage. If you use the card to buy an Allegiant vacation package with 4+ hotel nights or 7+ rental car days on the same itinerary, you get one free airfare added to the one you buy.

Royal Caribbean Visa Signature®

There is no annual fee and no transaction fees.

  1. Earn points. The MyCruise points are earned at the rate of 2 for each $1 spent in purchases with Royal Caribbean and Celebrity Cruises. For other purchases, you earn 1 point per $1. You can redeem the points for onboard credit, stateroom upgrades, and cruise vacations.
  2. Bonus points and rewards. The card allows you to get 10,000 MyCruise points after you make a transaction 90 days after the account opening, worth $100 in onboard credit. After you spend $3,500 within the first 90 days, you get a $50 discount on Royal Caribbean's Air2Sea program. It is not available for students. You can redeem rewards towards cruise upgrades, discounts, free cruises, and onboard credits.

Norwegian Cruise Line® World Mastercard®

There is no annual fee and no transaction fee. The balance transfers are 3% of each transaction.

  1. Earn points. You earn 3 WorldPoints on each dollar spent on Norwegian purchases, 2 points on eligible air and hotel purchases, and 1 on other purchases. The points are redeemable for stateroom upgrades, travel discounts, onboard credits, car rentals, hotel stays, and gift cards.
  2. Bonus points and rewards. The online offer allows you to get 20,000 points once you spend $1,000 within the first 90 days of your account opening. You redeem points for $200 off your Norwegian cruise. Preferred rewards members earn from 25% to 75% more points on each purchase. They are applied to the 1 point earned to $1 spent.

Celebrity Cruises Visa Signature Credit Card

The card has no annual fee and no foreign transaction fees.

  1. Earn points. You get 2 MyCruise points per dollar spent on Celebrity Cruises and Royal Caribbean qualifying purchases. The online offer gives you 10,000 points once you make a qualifying transaction within the first 90 days. It is $100 on onboard credit. You can redeem points towards the updates and discounts on cruises, onboard credits for staterooms, spa, restaurants, and shore excursions, and get free cruises.

Pros and cons

Pros

  • The rewards are flexible. You can choose if you want to earn travel points, cash back, or other rewards. Your points do not expire as long as your account is active, so you can redeem points whenever you like.
  • There is an Intro APR offer of 0% for purchases and balance transfers. For most of the cards, you get a 12 months introduction annual percentage rate. It means, for the first year, you do not pay any interest.
  • You earn points and miles on any kind of purchase. Among the eligible purchases earning you 3 and 2 bonus points, you always get 1 point for $1 spent on all other purchases.
  • The cards have fraudulent transactions protection. It is free of charge and automatic. It makes your bank account and credit card secure.
  • You can make 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 allows you to avoid overdrafts. You will not need to worry about overdraft fees, as Bank of America allows you to draw even beyond your current balance.
  • Preferred rewards member offers to allow you to earn more points per $1. Enrollment in the program is free. You only need to have a bank account and have at least a $20,000 average daily balance for three months. You will be earning 25%-75% more points on $1 spent.

Cons

  • The interest rate after the Intro APR offer ends is variable. Your interest will vary depending on the Prime rate. Theoretically, it may drop, but it actually has a tendency to rise through recent years. It means your credit card will cost more with time.
  • You cannot boost your points or miles earnings on each card. Only some cards allow a Preferred Rewards member to earn more points. If you do not qualify for the Preferred Rewards program, you cannot raise your earning base in any way.
  • There can be a minimum redemption requirement. For example, the Bank of America Travel Rewards credit card has a minimum redemption of 2,500 points for cash or travel.

How to apply for a card?

Bank of America has several requirements for you to apply for the travel rewards credit cards:

  • Applicants must have an active checking or savings account.
  • Be at least 18 years old or at least 21 years of age if you are a resident of Puerto Rico.
  • Your residential address must be 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 that you should have at least a 750 FICO score.

To apply for the travel rewards credit card, you need to access the Bank of America website. 

  1. Open the credit cards page and choose the "Travel Rewards" category;
  2. Choose the card you find suitable or compare them;
  3. Click "Apply Now" on one of the cards;
  4. Fill in your name, address, zip code, phone number, and email address;
  5. You will have to state your financial information, SSN, bank account, and employment.

Once you submit the application form, Bank of America starts reviewing it. You can review the status of your credit card application on the "Credit Card Application Status" page. You will have to enter the following details to verify your identity:

  1. Last name
  2. Date of birth
  3. Last 4 digits of your Social Security number
  4. ZIP code.

Click Submit to find the status of your application. Bank of America will decide if you are eligible and notify you of the approval or reflection via email. If approved, you will receive the credit card in 7 to 10 business days. 

Bank of America Preferred rewards program

Bank of America Preferred Rewards is a program rewarding customers of the bank with higher benefits. To become preferred rewards members, customers must have checking accounts with the Bank of America and enroll in the program. There are four tiers of the Preferred Rewards program:

  1. The Gold tier is available for 3 months average daily balance of $20,000 to $50,000. On credit cards, you get a 25% rewards bonus and a 0.05% of annual fee discount for Merrill investment accounts.
  2. The Platinum tier starts from $50,000 and goes up to $100,000 for 3 months' average daily balance. It gives a 50% reward bonus on credit cards and a 0.10% annual fee discount on Merrill investing.
  3. The Platinum Honors tier is for customers with $100,000-$1M of 3 month average daily balance. The tier allows getting a 75% rewards bonus on credit cards and a 0.15% annual fee discount on Merrill investing.
  4. Diamond tier goes with $1M-$10M of 3 months average daily balance. You get a 75% reward bonus on credit cards and a 0.15% annual fee discount on Merrill investing.

There is no fee for enrollment in the Preferred Rewards membership. To become a member, you need the following:

  • To have a Bank of America checking account. It must be active.
  • Have at least a $20K three-months average combined balance. It includes balances in your deposit and Merrill investment account.

How to redeem the Rewards

As you earn the 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 earned will be worth one cent. You can also opt for gift cards and cash back as redemption for the points. The rate is 0.6 cents for each point. You can receive cash back as a check or direct deposit to your Bank of America savings or checking account. If you have an account with a Merrill Cash Management Account, you can receive cash back there. Bank of America has a My Rewards feature allowing you to sign into your account and see all your credit cards' rewards. My Rewards allows you to:

  • Track your rewards, benefits, and details throughout the year
  • Explore the available redemption options and redeem points
  • Discover new benefits you might miss.

How to pay the debt

Bank of America allows you to manage your credit card accounts through online banking and mobile app. To make a payment using the website:

  1. Log into your Online Banking account;
  2. Choose the Bill Pay tab;
  3. Select Manage Pay To/Pay From Accounts link if you are paying from an account with another bank. Then choose Add Pay From Account and fill in the routing number.
  4. Select Transfer | Send and then Between My Accounts At Bank of America if you transfer money from your Bank of America account.

If you have a mobile app installed, you can use it to make payments toward your credit card debt. Log into your Mobile Banking app, select your credit card account and then tap on the "Make a payment" button. You can set up automatic payments. To do this, enroll in eBills. Then, log into your account, select Bill Pay and find the credit card account you want to set automatic payments on. Select Add AutoPay in the AutoPay menu and proceed with the "Based on eBill's amount due date" button. Choose your Pay From account, fill in the amount or submit it, and then set up the Deliver by date. Save and receive a confirmation of your payment.

If you make a credit card payment online, your payment will be transferred the same day for internal transfers, and 24 hours if you make a payment from another financial institution. In case you do not have enough money to pay your credit card bill, contact Bank of America and request their assistance.

FAQ

How does travel credit work at Bank of America?

Travel credit cards of Bank of America allow you to earn points or miles on eligible purchases for every $1 you spend. You can then redeem the earned points for travel expenses.

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 wants its applicants to have a good or excellent credit score.

What are the perks of the Bank of America travel card?

You can get an intro APR of 0%, and some cards have no annual fees. Additionally, you can choose if you want to earn points, miles, or cash back.

How long does a travel card from Bank of America take to arrive?

Once you are approved by Bank of America, it will take 7 to 10 days for your card to arrive.