How to Apply for Bank of America Travel Rewards Credit Card Effortlessly
Looking to explore the world while earning rewards on every purchase? The Bank of America Travel Rewards Credit Card might just be your ideal companion. This card is perfect for those who love to travel without worrying about foreign transaction fees. Imagine earning unlimited 1.5 points for every dollar spent on all purchases, anywhere and anytime. It’s a simple yet powerful way to reward your adventurous spirit. Additionally, as a cardholder, you can enjoy 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening. That’s a $250 travel statement credit – a great start to your next journey. With no annual fee and no expiration on points, this card is designed to maximize your travel experiences effortlessly. Get ready to learn how easy it is to apply and start earning rewards today.
Explore the Benefits of the Bank of America Travel Rewards Credit Card
1. Unlimited 1.5 Points per Dollar on Purchases
With the Bank of America Travel Rewards Credit Card, you earn an unlimited 1.5 points per dollar on every purchase you make — anywhere, anytime. Unlike other cards that restrict rewards to specific categories, this card offers a consistent reward rate across all purchases. To maximize your points, consider using the card for everyday expenses like groceries, dining, and travel bookings. With the flexibility of unlimited rewards, you can accumulate points without any annual caps holding you back.
2. No Foreign Transaction Fees
Traveling abroad comes with various costs, but the good news is this credit card eliminates foreign transaction fees. Typically, many cards charge a fee of around 3% on purchases made outside the U.S. With the Bank of America Travel Rewards Credit Card, you can save money when enjoying international shopping or dining. Remember this benefit to make your travel cash go further by using your credit card instead of exchanging currency in bulk.
3. Introductory 0% APR on Purchases
The card offers a 0% introductory APR on purchases for the first 15 billing cycles. This benefit is an excellent opportunity to plan larger expenditures such as a vacation, electronic gadgets, or home improvements without immediate interest worry. To take full advantage, ensure that you have a repayment plan in place to clear the balance before the regular APR kicks in after the introductory period ends.
4. Flexible Rewards Redemptions
Points you earn can be redeemed for a wide range of travel-related expenses, including flights, hotels, and even car rentals, through an easy-to-use redemption system. This flexibility allows you to tailor your travel experiences according to your preferences and needs. Need a tip? Keep an eye out for special redemption offers or bonuses that can stretch your points further, providing more value for your travel plans.
SEE HOW TO GET YOUR BANK OF AMERICA TRAVEL REWARDS CREDIT CARD
| Category | Details |
|---|---|
| No Annual Fee | Enjoy rewards without the burden of an annual fee. This card allows you to earn while you spend, hassle-free. |
| Unlimited Points | Earn unlimited 1.5 points for every dollar spent. Ideal for those who value straightforward earning on everyday purchases. |
Requirements to Apply for the Bank of America Travel Rewards Credit Card
- Good to Excellent Credit Score: To apply for the Bank of America Travel Rewards Credit Card, you should typically have a good to excellent credit score. This usually means having a FICO score of at least 670. A higher score can improve your chances of approval and may help secure better terms.
- Proof of Income: Be prepared to provide proof of income, such as pay stubs, tax returns, or other official documentation. This helps demonstrate your ability to repay credit card bills and may influence your credit limit.
- Valid Social Security Number: Applicants must have a valid Social Security number, which is used for identity verification and credit inquiries.
- U.S. Residential Address: You need to have a permanent U.S. residential address. This requirement ensures that you can receive important documentation and communication regarding your credit card.
- Minimum Age Requirement: To apply, you must be at least 18 years old. This is a standard requirement for most credit cards in the United States.
- Bank of America Account Holder: While not always necessary, having an existing relationship with Bank of America, such as an account, may simplify the application process and potentially offer additional benefits or ease through customer relationships.
GET YOUR BANK OF AMERICA TRAVEL REWARDS CREDIT CARD THROUGH THE WEBSITE
How to Apply for the Bank of America Travel Rewards Credit Card
Step 1: Access the Bank of America Website
First, open your preferred web browser and go to the Bank of America website. You can easily find information about their credit cards by navigating to the “Credit Cards” section on the homepage. This is your starting point for exploring the Travel Rewards Credit Card details.
Step 2: Explore the Travel Rewards Credit Card Details
Once you’re on the Bank of America’s credit card page, look for the Travel Rewards Credit Card among the listed options. Click on it to understand its features, such as no annual fees, rewards on travel and dining, and any promotional offers like an introductory APR. Familiarize yourself with the terms to make informed decisions.
Step 3: Begin the Application Process
After reviewing the card details, click on the “Apply Now” button. This action will take you to the application form. Make sure to have your personal details on hand, such as your Social Security Number, income details, and any other required financial information. Filling out this form carefully aids in a smooth application process.
Step 4: Review and Submit Your Application
Before submitting, double-check all your entered information for accuracy. Correct any errors to ensure there are no delays in processing your application. Once you’re confident everything is complete, click the “Submit” button. This step sends your application for approval consideration by Bank of America experts.
Step 5: Await Approval
After submission, Bank of America will contact you regarding your application status. This might take a few days, so be patient. They may notify you via email or phone about the approval or any additional steps needed. Ensure you have access to the communication method you provided in your application.
SEE HOW TO GET YOUR BANK OF AMERICA TRAVEL REWARDS CREDIT CARD
Frequently Asked Questions about the Bank of America Travel Rewards Credit Card
What are the main benefits of the Bank of America Travel Rewards Credit Card?
The Bank of America Travel Rewards Credit Card offers a straightforward earning rate of 1.5 points per dollar on every purchase. There are no annual fees, and it also allows you to earn 25,000 online bonus points after you make at least $1,000 in purchases within the first 90 days of account opening. These bonus points can be redeemed for a $250 statement credit toward travel purchases.
Is there any foreign transaction fee with this card?
No, there are no foreign transaction fees with the Bank of America Travel Rewards Credit Card. This makes it an excellent choice for international travelers who want to save on extra charges when making purchases abroad.
How can I redeem my points for travel or other rewards?
You can redeem your points for a variety of travel-related expenses, such as flights, hotels, vacation packages, cruises, and car rentals. Additionally, points are redeemable for cash back, statement credits, gift cards, or even to purchase items through the Bank of America Travel Center. The flexibility in redemption options allows you to tailor the benefits to your travel and spending habits.
Are there any special benefits for Preferred Rewards members?
Yes, Preferred Rewards members can enjoy an even higher rewards rate. Depending on your tier, you may receive a bonus of 25% to 75% more points on every purchase, which further enhances the value of the card for those who qualify. This can be especially beneficial for loyal Bank of America customers who can capitalize on these additional rewards.
What kind of travel protection is provided with this credit card?
The Bank of America Travel Rewards Credit Card comes with several travel-related protections, like numerous other credit cards. These include travel and emergency assistance services, common carrier travel accident insurance, and auto rental collision damage waiver. While these aren’t a replacement for travel insurance, they do offer some peace of mind during your journeys.
Linda Carter is a writer and financial expert specializing in personal finance and financial planning. With extensive experience helping individuals achieve financial stability and make informed decisions, Linda shares her knowledge on the our platform. Her goal is to empower readers with practical advice and strategies for financial success.