Fees and rates
Annual Percentage Rate (APR)
Bank of America® Travel Rewards Credit Card Reward Program
Earn unlimited 1.5 points for every $1 you spend on all purchases
Redeem points for a travel credit or cash reward starting at 2500 points; gift card redemptions start at 3125 points. Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
Flexibility to redeem points for a statement credit to pay for flights hotels vacation packages cruises rental cars or baggage fees.
No Overlimit Fee
No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.
Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.
Overdraft Protection. Are you worried that you may spend more than your limit on your credit card? If you sign up for overdraft protection, you’ll be fine. All you have to do is link your credit card to your checking account. The excess amount will be drawn from there, and your transaction will be approved.
Extended Warranty Insurance
Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.
Rental Car Insurance
Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.
Emergency Cash Advance
Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.
Emergency Card Replacement
Emergency Card Replacement. Whether your card is lost, stolen or damaged, the credit card company can provide help as soon as next day. It doesn’t matter if you’re still on vacation, the credit card company will mail a replacement to you wherever you are. This will be done free of charge.
Free Credit Score
Bank of America® Credit Card With Free Credit Score.
This credit card may give your credit score every month. You don’t have to pay for it.
Zero Liability. If you didn’t buy it, don’t pay for it. You will not be held responsible for any unauthorized charges that appear on your account.
Global Assist Hotline
Global Assist Hotline. This service provides the credit card holder with customs information and destination guides. Should you be traveling more than 100 miles from home, Global Assist provides extra services. These include help for a lost passport, translation requests, missing luggage, and emergency legal and medical referrals. As the cardholder, you would be responsible for any fees from third-party service providers. Fortunately, you may be able to charge these to the credit card.
Sign Up Benefits
Promo Rate. This credit card comes with a promotional “promo” rate, which is usually significantly lower than your regular interest rate. This is only valid for the first few months after you open the credit card, then the regular rate applies.
Let’s say your credit card has an introductory rate of 0% APR for 15 months. When that expires, you pay the regular interest rate (22.49%). To maximize your promotional rate benefit, your balance should be paid off before the end of the introductory period. Failure to do so will mean that the interest rate on the remainder of your balance will skyrocket.
Once approved for this credit card, you may get Welcome Points that you can use for other benefits. These include travel, high-end merchandise, discounts, or bill credits. Each card has different requirements for using the points.
No Blackout Dates
No Blackout Dates. With this credit card, you avoid dates when travel rewards and other special discounts and promotions are unavailable.
No Foreign Fees
No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.
Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.
Travel and Emergency Assistance
Travel and Emergency Assistance. This credit card provides you with referrals and assistance for emergency services.
Credit Score Needed For Bank of America® Travel Rewards Credit Card
Your best chance of being approved for this credit card involves having a credit score 751 - 850. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.
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