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A no-annual-fee travel card with unlimited points and no foreign transaction fees. Follow this guide to apply for the Bank of America® Travel Rewards Credit Card with confidence.
Apply on Bank of America's Official Site → ⚠ Clicking this button will take you to an external siteA good to excellent credit score of 670 or above is generally required. Bank of America considers your income, debt-to-income ratio, credit history, and payment record. Preferred Rewards® members with higher Bank of America balances receive better approval odds and earn bonus points multipliers (25%–75% more). Applicants must be U.S. residents, at least 18 years old, with a valid Social Security Number.
A score of 670+ is recommended. Bank of America Preferred Rewards® members with strong banking relationships often fare better.
If you have significant assets at Bank of America or Merrill, your Preferred Rewards® tier can boost your points earning by 25%–75% on every purchase.
Prepare your SSN, annual income, employment information, and monthly housing cost. Apply online or in person at a Bank of America branch.
Visit the Bank of America website or visit a local branch. The online application is straightforward and typically takes under 10 minutes.
Most applicants receive a decision within minutes. Some applications require additional review. Cards are delivered within 7–10 business days.
Activate your card and spend $1,000 in the first 90 days to earn the 25,000-point welcome bonus — equivalent to $250 in travel statement credits.
Head to the official Bank of America® Travel Rewards Credit Card application page to get started. The process takes just a few minutes.
Apply on Bank of America's Official Site → ⚠ You will be redirected to an external site not operated by MasFormulasEarn 25,000 online bonus points — worth $250 in travel statement credits — after spending $1,000 in the first 90 days.
No — points never expire as long as your Bank of America® Travel Rewards Credit Card account remains open.
You can redeem points for any travel purchase at any time — no restrictions on dates, airlines, or hotels.
Bank of America Preferred Rewards® members earn 25%–75% more points per dollar depending on their tier — potentially earning up to 2.62 points per $1 spent.
Informational Content Only. This page is provided for informational and educational purposes only and does not constitute financial, legal, or investment advice. We are not a financial institution, bank, or credit card issuer, and we are not affiliated with Bank of America® Travel Rewards Credit Card or any of its associated institutions.
External Links. Clicking the apply button above will redirect you to an external website operated by the card issuer. MasFormulas has no control over the content, availability, or terms presented on that external site. We are not responsible for any decisions made based on information found there.
Subject to Change. All information regarding card features, rewards, APR, fees, and eligibility is subject to change at any time by the respective issuer. Always verify the most current terms directly with the card issuer before applying.
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