Bank of America® Travel Rewards — turn everyday purchases into future trips

Earn flexible points on what you already buy, pay no annual fee, and skip foreign transaction fees—so more of your budget goes to the journey, not the fees.

If you want a travel card that doesn’t complicate your life, Bank of America® Travel Rewards keeps things simple: consistent earning on all purchases, easy “erase-your-charge” redemptions, and a fee-friendly design for trips abroad. It’s a straightforward way to collect points without juggling rotating categories or annual-fee math.

You’ll also find ways to accelerate value—like booking through Bank of America’s travel portal and, for existing banking clients, boosting earnings via Preferred Rewards. That lets frequent shoppers and occasional travelers alike turn daily spending into real savings on flights, hotels, and dining.

Benefits

• Flat, unlimited earning on every purchase, with elevated earn when you book through the Bank of America Travel Center.
• No annual fee—keep all the rewards you earn.
• No foreign transaction fees, ideal for international travel and online purchases in other currencies.
• Flexible redemptions as statement credits toward recent travel and dining purchases—book how you want, then “erase” the cost.
• Relationship boosts: Bank of America Preferred Rewards members can earn 25%–75% more rewards on every purchase.

Quality points—and how you benefit

A single, flat earning structure means no category tracking and fewer missed opportunities. Combine that with portal-based earn boosts when you’re planning flights, hotels, or car rentals, and you can build points steadily without changing your routine.

Redemption is equally practical: charge eligible travel or dining to the card and apply points later as a statement credit. You’re not locked into a single airline or hotel, which makes this card friendly to bargain hunters who book wherever the price is best.

Savings & advantages you could see

Using a no-annual-fee card helps ensure your rewards aren’t offset by carrying costs—good for travelers who prefer lean, predictable budgets. Add no foreign transaction fees, and you avoid the typical ~3% surcharge many cards add to overseas purchases.

If you bank or invest with Bank of America/Merrill, Preferred Rewards can multiply your everyday earning by 25%–75%, turning steady spending into faster trip funding—without upgrading to a high-fee card.

More ways this card fits real life

Booking through the Travel Center can accelerate rewards when you’re already comparing flights and hotels, helping you reach redemption goals sooner. Meanwhile, flexible statement-credit redemptions let you mix and match brands, dates, and deals without worrying about loyalty program rules.

For new applicants, Bank of America often pairs simple earning with introductory incentives and clear online status tracking, making it easy to get started and see where your application stands.

Eligibility Criteria

To apply, be at least 18 (state rules may vary) and provide required personal information including your Social Security number (or TIN) and total gross annual income, plus a valid U.S. mailing address. Consent to a credit check is required.

Application Process

1. Start online from Bank of America’s credit cards page and choose Bank of America® Travel Rewards.
2. Enter personal details (legal name, contact info, U.S. address), SSN/TIN, and total gross annual income.
3. Review terms & submit. You’ll typically get one of four responses in as little as about a minute: approved, approved for a different offer, pending review, or declined.
4. Track status online or by phone if a manual review is needed.
5. Receive and activate your card—usually within about 7–10 business days after approval—then add it to your mobile wallet to start earning.

FQA

Q1: Is there an annual fee?
A: No. Bank of America® Travel Rewards has no annual fee.

Q2: Are there foreign transaction fees?
A: No. You can use the card abroad without foreign transaction fees.

Q3: How do redemptions work?
A: Redeem points as statement credits toward recent travel and dining purchases, giving you flexibility to book with any brand.

Q4: Can I boost my rewards rate?
A: Yes—enrolling in Preferred Rewards can add 25%–75% more rewards to every purchase if you qualify.