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Bank of America® Travel Rewards Credit Card: Earn 25,000 Bonus Points If Spend $1,000 on Purchases in First 90 Days

+17 Deal Score
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Bank of America is offering 25,000 online bonus points after you spend at least $1,000 on purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases - with their Bank of America® Travel Rewards credit card. No Annual fee.

Card Details:
  • 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 as long as your account remains open.
  • 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 travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.


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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined Oct 2014
L1: Learner
> bubble2 8 Posts
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johan.tedy
01-06-2024 at 01:26 PM.
01-06-2024 at 01:26 PM.
This card useless because you need to change the points just for travel nothing else
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Joined Sep 2009
L10: Grand Master
> bubble2 15,107 Posts
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Knightshade
01-06-2024 at 02:14 PM.
01-06-2024 at 02:14 PM.
...you bumped a 5 month old post to point out a travel reward cards points are only good for travel?
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Joined Sep 2014
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starsgomoo
01-08-2024 at 12:24 AM.
01-08-2024 at 12:24 AM.
Quote from Knightshade :
...you bumped a 5 month old post to point out a travel reward cards points are only good for travel?

LOL. And also he's not really correct...

As mentioned in the post,
"Redeem points for a statement credit to pay for travel or dining purchases"

Historically, in addition to the more obvious travel categories, I've also been eligible to claim points on transactions for public transport, rideshare, bike share, restaurants, bars, and food delivery apps. It is also possible to claim points for public parking and tolls.

Super useful abroad as well (no annual fee, no foreign transaction fee, flat 1.5% points rate, and don't need to worry about categories). Every category listed above applies even when the businesses are in other countries.

I never run out of transactions to apply my points to. I imagine the demographic that's typically interested in a 1.5% everything, no foreign transaction fee card would be in a similar boat!

Domestically, Citi Double Cash is a great no annual fee option for those who don't want to think about categories (2% everything).
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Last edited by starsgomoo January 8, 2024 at 12:30 AM.
Joined Apr 2016
L3: Novice
> bubble2 112 Posts
24 Reputation
JCY01
01-09-2024 at 11:24 AM.
01-09-2024 at 11:24 AM.
I have this card for years and I was offered 2.25% for any purchase when I called the bank to apply years ago and it also offers rental car insurance (not anymore for new applicant as I know). It was one of the best no fee travel cards back then. Well, time is different.
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Joined Dec 2012
L3: Novice
> bubble2 233 Posts
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johnconner
01-10-2024 at 02:08 AM.
01-10-2024 at 02:08 AM.
I have been using this card with 2.62% back, with platinum premium or whatever tier its called.

Its the highest cash back, no annual fees, no foreign transaction fees.

I am planning to move all my cash from Bank of america checking/savings to fidelity brokerage account for 4.99$ APR. So now my cash back will drop from 2.62% to 1.5%. I have citi bank with 2% cash back. Wondering if there are any other cards with more than 2% cash back with no annual fee?
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Joined Jul 2003
L6: Expert
> bubble2 1,553 Posts
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kugel
01-10-2024 at 06:56 AM.
01-10-2024 at 06:56 AM.
Quote from johnconner :
I have been using this card with 2.62% back, with platinum premium or whatever tier its called.

Its the highest cash back, no annual fees, no foreign transaction fees.

I am planning to move all my cash from Bank of america checking/savings to fidelity brokerage account for 4.99$ APR. So now my cash back will drop from 2.62% to 1.5%. I have citi bank with 2% cash back. Wondering if there are any other cards with more than 2% cash back with no annual fee?

Just curious why not BoA brokerage (Merrill), you could do brokerage things and keep your high cashback.

I am considering a move in the opposite direction, just not sure all the work is worth the trouble.
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Joined Dec 2012
L3: Novice
> bubble2 233 Posts
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johnconner
01-10-2024 at 08:12 AM.
01-10-2024 at 08:12 AM.
Quote from kugel :
Just curious why not BoA brokerage (Merrill), you could do brokerage things and keep your high cashback.

I am considering a move in the opposite direction, just not sure all the work is worth the trouble.

What's the APY on mertill on uninvested funds? Fidelity brokerage has 4.99% APY in money market , does Merrill has the same?
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Joined Mar 2015
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> bubble2 22 Posts
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chris.coles
01-10-2024 at 08:21 AM.
01-10-2024 at 08:21 AM.
Quote from johnconner :
What's the APY on mertill on uninvested funds? Fidelity brokerage has 4.99% APY in money market , does Merrill has the same?
yep with merrill edge, just put your cash in the TTTXX mutual funds, 5.25% APY
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Joined Mar 2015
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> bubble2 22 Posts
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chris.coles
01-10-2024 at 08:22 AM.
01-10-2024 at 08:22 AM.
Quote from johnconner :
What's the APY on mertill on uninvested funds? Fidelity brokerage has 4.99% APY in money market , does Merrill has the same?
yep with merrill, just put your cash in the TTTXX mutual fund, 5.25% APY
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Joined Dec 2007
L1: Learner
> bubble2 16 Posts
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vbshah1981
01-11-2024 at 12:39 PM.
01-11-2024 at 12:39 PM.
https://olui2.fs.ml.com/Publish/C...eSheet.pdf

Look at preferred deposit. $100k to start but can reduce after. Same day transfers to BOA checking/savings accounts
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Joined Oct 2008
L6: Expert
> bubble2 1,919 Posts
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flightxxx
01-11-2024 at 01:25 PM.
01-11-2024 at 01:25 PM.
Quote from johan.tedy :
This card useless because you need to change the points just for travel nothing else

Thats incorrect, you can redeem the points 1:1 ratio for dining charges. Its a solid card.
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Joined Jan 2010
L8: Grand Teacher
> bubble2 3,203 Posts
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Zelo
01-13-2024 at 07:20 PM.
01-13-2024 at 07:20 PM.
Quote from starsgomoo :
LOL. And also he's not really correct...

As mentioned in the post,
"Redeem points for a statement credit to pay for travel or dining purchases"

Historically, in addition to the more obvious travel categories, I've also been eligible to claim points on transactions for public transport, rideshare, bike share, restaurants, bars, and food delivery apps. It is also possible to claim points for public parking and tolls.

Super useful abroad as well (no annual fee, no foreign transaction fee, flat 1.5% points rate, and don't need to worry about categories). Every category listed above applies even when the businesses are in other countries.

I never run out of transactions to apply my points to. I imagine the demographic that's typically interested in a 1.5% everything, no foreign transaction fee card would be in a similar boat!

Domestically, Citi Double Cash is a great no annual fee option for those who don't want to think about categories (2% everything).
Thanks for pointing out the benefits, appreciate your insight.
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Joined Dec 2009
L4: Apprentice
> bubble2 322 Posts
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Xovah
01-13-2024 at 07:24 PM.
01-13-2024 at 07:24 PM.
The most annoying part is that BoA doesn't have autopay.
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Joined Sep 2014
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> bubble2 8 Posts
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starsgomoo
01-14-2024 at 01:14 PM.
01-14-2024 at 01:14 PM.
Quote from Xovah :
The most annoying part is that BoA doesn't have autopay.

Now they do have autopay in the amount of your statement balance! I agree it was super annoying to do manual payments until they finally implemented that though. It made no sense to only have minimum payment and preset amount autopay options...
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