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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 Dec 2007
Grandmaster
> bubble2 183 Posts
72 Reputation
hcudani
01-16-2024 at 07:53 PM.
01-16-2024 at 07:53 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).

Instead of Citi double cash which gives you 1 % in the next statement and 1% after you pay, Wells Fargo active cash is also a good alternative which 2% cash back on the statement date.
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Joined Apr 2011
Expert in Sarcasm
> bubble2 3,326 Posts
854 Reputation
kida182001
01-18-2024 at 11:16 AM.
01-18-2024 at 11:16 AM.
Does this card offer any travel protection?
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Joined Oct 2021
L5: Journeyman
> bubble2 594 Posts
107 Reputation
aabbccbbaa
01-19-2024 at 10:15 PM.
01-19-2024 at 10:15 PM.
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?
I'm not aware of a no annual fee card giving more than 2% cash back on all purchases. You can however achieve this with multiple free cards.

Bank of America Customized Cash Rewards Credit Card (the red one) will give you 3% back on your selected category (I've chosen "online shopping") though there is a quarterly limit. If you're a BofA Preferred customer you'll get a 25-75% bonus on your cash back depending on your tier (yes, you could get up to 5.25% back). There's no annual fee however it does have foreign transaction fees as I accidentally discovered a few years ago (thanks Mojang). Right now there is a $200 sign-up bonus when you spend $1000 in the first 90 days.

If you're a Costco member then it's a no brainer to get the Citi Costco Anywhere Visa card - 4% on gas and EV charging (for the first $7000/yr), 3% on restaurants and travel, 2% on Costco warehouse and Costco.com online purchases. There are no annual fees and no foreign transaction fees either.

The Discover it Cash Back Credit Card will give 5% cash back on up to $1500 in different category purchases each quarter (need to activate the category however). At the end of your first year they will match all of the cash back you've earned with no limit.
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Joined Dec 2008
Divided states of America
> bubble2 4,872 Posts
220 Reputation
inquisitive
02-21-2024 at 08:25 PM.
02-21-2024 at 08:25 PM.
Quote from aabbccbbaa :
I'm not aware of a no annual fee card giving more than 2% cash back on all purchases. You can however achieve this with multiple free cards.

Bank of America Customized Cash Rewards Credit Card (the red one) will give you 3% back on your selected category (I've chosen "online shopping") though there is a quarterly limit. If you're a BofA Preferred customer you'll get a 25-75% bonus on your cash back depending on your tier (yes, you could get up to 5.25% back). There's no annual fee however it does have foreign transaction fees as I accidentally discovered a few years ago (thanks Mojang). Right now there is a $200 sign-up bonus when you spend $1000 in the first 90 days.

If you're a Costco member then it's a no brainer to get the Citi Costco Anywhere Visa card - 4% on gas and EV charging (for the first $7000/yr), 3% on restaurants and travel, 2% on Costco warehouse and Costco.com online purchases. There are no annual fees and no foreign transaction fees either.

The Discover it Cash Back Credit Card will give 5% cash back on up to $1500 in different category purchases each quarter (need to activate the category however). At the end of your first year they will match all of the cash back you've earned with no limit.
I have Costco card Exec as a member. There is a $60 or $120 membership fee depending on which level of membership you get. It's worth the $120 for me. Like you mentioned, all the benefits and i use mostly for buying stuff there and gas. What people also don't realize is that you also save $ from buying some of the same items at another store and more healthier options there.

With that being said, i still might get the BoA card. I have a checking account there too since i will be traveling abroad more.
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Joined Nov 2006
L2: Beginner
> bubble2 69 Posts
20 Reputation
wrsjkp
03-11-2024 at 11:48 AM.
03-11-2024 at 11:48 AM.
Can the $250 be applied toward the statement or is it restricted to ONLY travel?
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Joined Jul 2011
L3: Novice
> bubble2 237 Posts
44 Reputation
pp65
03-14-2024 at 03:08 PM.
03-14-2024 at 03:08 PM.
Quote from hcudani :
Instead of Citi double cash which gives you 1 % in the next statement and 1% after you pay, Wells Fargo active cash is also a good alternative which 2% cash back on the statement date.
another 2% card is Fidelity visa.
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Joined May 2014
Mr. President
> bubble2 134 Posts
30 Reputation
VladPootin
04-05-2024 at 08:52 PM.
04-05-2024 at 08:52 PM.
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.

Merrill Edge® Individual Cash Management Account®???
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Joined May 2020
New User
> bubble2 5 Posts
denm59
04-07-2024 at 07:33 PM.
04-07-2024 at 07:33 PM.
Quote from starsgomoo :
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...
I checked my B of A credit cards and still don't see an autopay option. Where should I look ?.
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Joined Nov 2007
L6: Expert
> bubble2 1,995 Posts
96 Reputation
craig.678
04-09-2024 at 11:27 AM.
04-09-2024 at 11:27 AM.
Is basically spend $1000 get $250 back via statement credit right? No annual fee?

I plan to by extended warranty for my car and I can use this card?
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Joined Nov 2007
L6: Expert
> bubble2 1,995 Posts
96 Reputation
craig.678
04-09-2024 at 03:33 PM.
04-09-2024 at 03:33 PM.
Quote from wrsjkp :
Can the $250 be applied toward the statement or is it restricted to ONLY travel?
It is
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Joined Jan 2007
L10: Grand Master
> bubble2 28,291 Posts
2,718 Reputation
cgigate
04-10-2024 at 08:24 AM.
04-10-2024 at 08:24 AM.
I have owned this travel reward card for many years.
I recently learned that auto rental insurance is excluded from Tesla specifically in the documents.
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Last edited by cgigate April 10, 2024 at 08:39 AM.
Joined Jun 2021
New User
> bubble2 5 Posts
22 Reputation
DelightfulStar898
04-19-2024 at 05:54 AM.
04-19-2024 at 05:54 AM.
I already have one. Decent card!
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Joined Dec 2017
L3: Novice
> bubble2 134 Posts
26 Reputation
bonestamp
04-25-2024 at 10:16 AM.
04-25-2024 at 10:16 AM.
Quote from JCY01 :
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.
I have avoided BoA credit cards because they used to issue me a new card at least once/year due to fraud and I'd often have to phone them to get transactions to go through (especially airline tickets). I haven't had this problem with any other card issuer. Have you had a similar experience with this card?
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