Bank of America® Travel Rewards Credit Card Review – 25,000 Bonus Points

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Overview

If you are a cost-conscious traveler, Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer is the ideal no-fee travel card for you. This is a rewards credit card tailored for users who travel from time to time. With no annual fee, no foreign transaction fees or expiration on points, you can conveniently rack up reward points at your own pace.

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.99% - 24.99% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Intro APR
0% on Purchases
Intro APR Period
12 billing cycles
Regular APR
16.99% - 24.99% Variable APR on purchases and balance transfers
Annual Fee
$0

Card Benefits

Sign-up bonus

If you spend at least $1,000 with the card within your first 90 days of becoming a card member, you receive a bonus of 25,000 points. It usually takes about 8 to 12 weeks from qualifying for the 25,000 bonus points to post to your rewards balance. These bonus points can be worth a $250 travel statement credit. For a card with no annual fee, this is a very valuable sign up bonus that is equivalent to 25% rewards on your first $1,000 purchases in the first 90 days.

Earn rewards points

You earn unlimited 1.5 base rewards points for every dollar you spend with the credit card. You can also receive additional rewards bonus when you book travel through Bank of America’s Travel Center, which is powered by the popular Expedia travel booking platform.. You earn 3 points (consisting of 1.5 bonus points and 1.5 base points) for every $1 in net purchases, excluding insurance purchases, made through the Travel Center, with no limit on the number of bonus points you can earn.

If you are a Bank of America Preferred Rewards customer, you can get a 25%, 50% to 75% rewards bonus on the baseline rewards, depending on your eligible tier. There are 3 tiers in the Preferred Rewards program: Gold, Platinum and Platinum Honors. Your tier is based on your qualifying combined balances in your Bank of America® banking and/or Merrill Edge® and Merrill Lynch® investment accounts. Your Preferred Rewards status can help you earn up to 2.625 points per dollar on your purchases. For example, if you earn $100 in base rewards, your Preferred Rewards bonus will add $25, $50 or $75 to your reward earnings, totaling $125, $150 or $175. The following chart shows the minimum balance qualification requirement and rewards for Gold, Platinum, Platinum Honors tiers of Preferred Rewards.

Preferred Rewards Tier Rewards Bonus Rewards Points for the Tier
Gold – $20,000 in combined balance of qualifying accounts 25% 1.875 points for every dollar spent on all purchases
Platinum – $50,000 in combined balance of qualifying accounts 50% 2.25 points for every dollar spent on all purchases
Platinum Honors – $100,000 in combined balance of qualifying accounts 75% 2.625 points for every dollar spent on all purchases

Note: When your balances increase to qualify you for the next rewards tier, you will be moved up automatically. And once you reach a rewards tier, you’ll keep your program benefits for a full 12 months.

How to redeem points

You can redeem points for a travel credit or cash reward starting at 2,500 points, or for gift cards starting at 3,125 points. Your rewards points can be redeemed for a travel credit that is applied as a statement credit to your account to offset travel purchases from qualifying merchants in the following travel-related categories: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Qualifying travel purchases are eligible for a travel credit for 12 months from the posting date. Each point redeemed for a travel credit is worth $0.01 (2,500 points = $25).

Fees and Interest

There is no annual fee and no foreign transaction fees, making the Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer especially ideal for those who travel outside of the U.S. You can also use the card as little or as much as you like, without worrying about earning enough to cover an annual fee. This travel credit card also offers 0% introductory APR on purchases. You can use the credit card for purchases and carry a balance for an extended period without incurring interest cost

Is this the right card for you?

If you value simplicity and like hassle-free travel credit cards, the Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer is the right card for you. It is one of the best travel credit cards with no foreign transaction fees and no annual fee out there. It offers a solid 1.5% back on all purchases made, which allows you to earn travel rewards without the limitations of specific purchasing categories. Furthermore, if you already bank with Bank of America or plan to in the future, you can take advantage of the extra points bonus, which may increase your rewards to 2.625% on each purchase. If you shop frequently, you can rack up enough points to use as travel credit, resulting in a significantly-sized savings on your next travel.

Similar Travel Credit Cards

If you are interested in the Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer, you may also consider a few other travel credit cards with similar benefits.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Capital One® Venture® Rewards Credit Card

17.99% - 25.24% (Variable) APR

17.99% - 25.24% (Variable) APR

No balance transfer fee

$0 intro for first year; $95 after that

Excellent, Good CreditLearn MoreView Card Details
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Bank of America® Premium Rewards® credit card

17.99% - 24.99% Variable APR

17.99% - 24.99% Variable APR on balance transfers

$95

Excellent / Good CreditLearn MoreView Card Details
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard®

0% intro APR
for 9 billing cycles

13.24% - 23.24% Variable APR after that

13.24% - 23.24% Variable APR

$0

Excellent CreditLearn MoreView Card Details
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get a 75% rewards bonus on the base earn of every purchase you make when you're a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
Capital One® VentureOne® Rewards Credit Card

0% intro APR
for 12 months

14.24% - 24.24% (Variable) APR

14.24% - 24.24% (Variable) APR

No balance transfer fee

$0

Excellent, Good CreditLearn MoreView Card Details
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Capital One® Spark® Miles for Business

19.24% (Variable) APR

19.24% (Variable) APR

No balance transfer fee

$0 intro for first year; $95 after that

Excellent, Good CreditLearn MoreView Card Details
  • Earn unlimited 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
  • Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get a 75% rewards bonus on the base earn of every purchase you make when you're a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn unlimited 2 miles per $1 on every purchase, everywhere
  • Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
  • Receive up to $100 credit for one Global Entry or TSA Pre✓® application fee
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
  • $0 intro annual fee for the first year; $95 after that
  • $0 fraud liability if your card is lost or stolen
  • Free employee cards which also earn unlimited 2x miles from their purchases
  • No foreign transaction fees
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