The in-depth review of rewards for Walmart Credit Card—wait, different card! Today’s focus is the Bank of America® Travel Rewards Credit Card, a $0-annual-fee travel card that’s popular for its simple, flat-rate earning and broad redemption options.
You’ll learn how rewards work, what rates and fees look like, who qualifies, and how to apply online. We’ll finish with ways to contact customer service and the bank’s headquarters address for your records.
What the Bank of America Travel Rewards Card Is and How Its Rewards Work
This is a general-purpose travel card that earns unlimited 1.5 points per $1 on everyday purchases, with no foreign transaction fees and points that don’t expire while your account remains open.
You can also earn 3 points per $1 when you book travel through the Bank of America Travel Center, which can boost value if you’re comfortable booking in-portal.
Preferred Rewards banking clients can get a 25%–75% bonus on all eligible card earnings. Points generally redeem as statement credits toward a wide range of travel and dining purchases.
Rewards Flexibility and Everyday Usability
Because the base rate applies to all spending, you don’t need to track rotating categories. That makes the card easy for new travelers or anyone who values simplicity.
The no-foreign-transaction-fee policy makes it appropriate for international trips or overseas online merchants.
If you do have Bank of America or Merrill balances, the Preferred Rewards bonus can materially lift your effective earn rate on every purchase.
Redemption Basics You Should Know
Redemptions are typically used to erase recent travel and dining transactions as statement credits, a structure that lets you book through almost any channel and still use points.
Booking through the Bank of America Travel Center increases earn rate to 3x on those transactions.
If you’re a Preferred Rewards member, remember that the status bonus applies when points are earned, not when they’re redeemed. That distinction matters when projecting long-term value.
Interest Rates, Fees, and Key Costs
The card commonly features an introductory 0% APR period on purchases (and sometimes balance transfers made within a stated window), followed by a variable purchase APR within a posted range that adjusts with the Prime Rate.
Published ranges vary over time; Bank of America lists the current terms on the product page and card disclosures, and regulators also summarize them.
There’s no annual fee and no foreign transaction fees, but balance transfers and cash advances carry separate fees. Always review the live pricing disclosures before applying.
Why the Variable APR Range Changes
Card APRs are variable because issuers add a fixed margin to the Wall Street Journal Prime Rate. When the Prime Rate moves, your APR can move as well.
You’ll see this methodology in issuer disclosures and card agreements, which explain how DPRs and margins work. Knowing this helps you understand why the posted APR range may differ month to month.
Other Costs to Watch
While there’s no annual fee, budget for potential balance transfer fees and cash advance fees if you use those features.
Late payments can trigger penalty fees and potentially a higher penalty APR per your agreement.
If you don’t plan to carry a balance, these items may be irrelevant; if you do, compare the total cost with alternatives. Always check the issuer’s live terms page before making decisions.
Who Should Consider the Bank of America Travel Rewards Card
This card fits travelers who prefer simplicity over managing categories, who book travel through any site but want flexible statement-credit redemptions, and who value no foreign transaction fees.
It’s especially compelling for Bank of America or Merrill clients who qualify for Preferred Rewards, as that relationship bonus increases every point you earn by 25%–75%.
If you want premium travel perks like lounge access, look at higher-fee cards; if you want straightforward, low-maintenance rewards, this one is strong.
How It Stacks Up Conceptually
Expert roundups often cite this card as a good no-annual-fee travel choice for international use due to the lack of foreign transaction fees and a simple earn structure.
The value rises substantially if you’re in the Platinum or Platinum Honors tiers of Preferred Rewards.
If you don’t bank with Bank of America, compare against 2% cash-back cards or other travel cards to see which nets more based on your spending.
When a Different Card Might Be Better
If you spend heavily in travel and dining and want transfer partners or built-in travel protections, premium cards may out-earn this one despite annual fees. If you prefer cash back rather than travel credits, a flat 2% card could be simpler.
The best choice depends on whether you can leverage Bank of America’s banking-relationship bonus. Consider your redemption preferences before deciding.
Eligibility, Approval Considerations, and Application Steps
Eligibility generally requires being at least 18, having a U.S. address and Social Security Number or ITIN, and meeting issuer underwriting for income and credit.
Strong approval odds usually correlate with good to excellent credit and a manageable debt-to-income profile.
Existing Bank of America relationships can help you access Preferred Rewards bonuses after approval, though they’re not a prerequisite. Always read the real-time application disclosures on the issuer’s site.
How to Apply Online
Apply directly through Bank of America’s official product page, where you’ll complete an application with your personal, employment, and income details.
If approved, you’ll receive your credit line and initial terms, including the exact APR assigned.
You can enroll in Online and Mobile Banking to manage autopay, alerts, and rewards redemptions immediately. Keep a copy of the Terms & Conditions for your records.
After You’re Approved: First Steps to Maximize Value
Activate the card, set autopay to avoid missed payments, and enroll in Preferred Rewards if you qualify to lift your earn rate.
Get familiar with Travel Center booking to earn 3x on eligible travel purchases if you’re comfortable booking there.
Set up transaction alerts and add the card to digital wallets before an international trip. Plan your first redemptions as statement credits against upcoming travel or dining purchases.
Customer Service and Bank Headquarters
For general account help and credit-card-specific questions, Bank of America lists 800-421-2110 for credit card accounts and 800-432-1000 for general account information in the U.S., with 1-315-724-4022 as an international collect option.
Hours vary by line, with 24/7 automated support and extended agent availability on many lines. These numbers appear on the bank’s customer-service pages and accessible-banking section.
Main Office Location
The corporate headquarters is the Bank of America Corporate Center, 100 North Tryon Street, Charlotte, NC 28255. That address is referenced on Bank of America’s own help pages and corporate information pages.
It’s also noted in investor and public references to the Corporate Center. Keep this address for formal correspondence or when documentation requires the issuer’s main office location.
Conclusion
The Bank of America Travel Rewards card is a strong “set-and-forget” option for travelers who want no annual fee, no foreign transaction fees, and flat-rate earning that covers every purchase.
If you want premium protections or transfer partners, compare alternatives; otherwise, this card delivers solid value with minimal maintenance. Apply after reviewing current terms to confirm the latest APRs and promotions.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
