Bank of America
Bank of America Travel Rewards
Bank of America Travel Rewards costs No annual fee and earns up to 1.5× on everyday spending. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Bank of America Travel Rewards returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 1.5× everyday spending
- Points value
- 1¢ a point
- Cash back value.
- Welcome bonus
- 25,000 points
- About $250 if you redeem at 1¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- none
What the Bank of America Travel Rewards earns
Hotels and rental cars through the issuer's travel site
3×
Only through the issuer's portal
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 3× | Only through the issuer's portal |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1.5×. Confirm current terms with the issuer before you apply.
Is the Bank of America Travel Rewards right for you?
Enter a typical month. You will see what the Bank of America Travel Rewards returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
+$552
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
+$376
Bank of America Premium Rewards
2× dining, 2× travel; 1× everything else. $95 annual fee.
Rewards $409 · Fee −$95
+$314
How we estimate
- Every rate on this page comes from the card catalog. Bank of America Travel Rewards pays 1.5× on spending outside the bonus categories listed above, and up to 1.5× on everyday spending.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
25,000 points
About $250 if you redeem at 1¢ a point, and only if you clear the spending requirement.
Points and partners
Bank of America Points
No
Where this data came from
3x points on travel booked via Bank of America Travel Center; 1.5x points on all other purchases; no annual fee
FAQ
The Bank of America Travel Rewards has no annual fee, so the only thing that matters is what it earns. Its best rate is 1.5× on everyday spending.
1.5× on everyday spending, and 1.5× on spending outside its bonus categories.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 25,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1¢ a point that is about $250, before you count the annual fee and whether you would clear the spending requirement for it.
No. The Bank of America Travel Rewards earns Bank of America Points that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1¢ a point.
No. The Bank of America Travel Rewards charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.