Bank of America Travel Rewards Review in 2026: Fees, Earn Rate and Who It Fits

The Bank of America Travel Rewards card is worth it for someone who pays the statement in full and wants flat points for travel and everything else. It has no annual fee and no foreign transaction fee, earns 1.5 points per dollar, and pays a 25,000-point bonus after a 90-day spending requirement. The regular purchase APR of 17.74% to 27.74% is the number that decides the card for anyone who carries a balance.

FinanceRadar data: of the 65 credit cards we verify, 36 (55%) charge no annual fee, and the average annual fee across the set is $135, as of October 10, 2026 (credit card statistics). This card's $0 puts it in the majority, so the choice rests on the earn rate, the APR and how the points can be spent.

Bank of America publishes the card on its own product page and on its travel card listing. Our card profile tracks the same card. Every card term below comes from those two bank pages, read October 10, 2026. Confirm them on the bank's terms before you apply.

The card at a glance

What it costs

The card charges no annual fee and no foreign transaction fee, so the cost of holding it sits in interest and transfer fees. The bigger number is interest. Once the 15-cycle intro ends, the variable regular rate applies. At the top of that range, a balance costs about $277 a year per $1,000 before compounding, which is roughly 60% of the points value a $30,000 year earns on this card.

Balance transfers work differently. A transfer made within 60 days of opening carries a 3% fee, or $30 on $1,000, and the 0% intro applies to it. After that window, the fee rises to 5%, or $50 on the same amount. If you plan to move a balance, only transfers made in the first two months get the 0% intro.

The page lists no cash advance rate or fee, so do not assume the card works as a cash source. Check the terms before you rely on one.

How the points add up

Every purchase earns the flat rate, with no category, no quarterly cap and no portal to learn. That flat rate is the card's main case. A buyer who spends across groceries, gas, bills and travel gets the same return on each dollar, which is easier to plan around than a rotating or tiered card.

Travel booked through BofA Travel earns 3 points per dollar, according to the bank's travel listing page. The product page does not repeat that rate, so check it in the app before you plan a trip around it. Travel booked anywhere else falls back to the 1.5 everyday rate.

The welcome bonus is 25,000 points for $1,000 of purchases in the first 90 days. The bank values it at $250, which works out to one cent a point. The page gives no value for everyday points, so one cent is the only figure you can count on, and every calculation below uses it.

What the points buy

The redemption is a statement credit that covers travel and dining purchases you have already made. The travel listing says cardholders can book trips with no blackout dates, and that is the appeal. You do not need to learn a transfer chart or hunt for seats on partner airlines, because the points reduce what you already charged.

The page names no transfer partners and gives no higher value for any redemption path, so we value a point at one cent whether you use it on a flight or a restaurant bill. Nothing on the page stretches the points further. If you would rather have dollars than points, the cash back guide compares cards that pay cash.

The page lists no airline fee credit and no Global Entry or TSA PreCheck credit. A frequent flyer who wants those credits should look at a different card.

A $30,000 year, worked through

Take a buyer who puts $2,500 a month on the card, $30,000 a year, and pays the statement in full every month. At one cent a point, the card returns this:

A flat 2% cash-back card returns $600 on that same year, which is $150 more than this card's $450 in an ordinary year. The first year is the exception, since the $700 bonus year beats it. Booking $6,000 of trips through BofA Travel adds 9,000 points, or $90, because that spend earns 3 points instead of 1.5. Even with that booking, the card reaches $540, still short of the flat 2% card. These are our calculations on the bank's rates, not figures the bank states.

Where the card loses

The APR is the main risk. After the 15-cycle intro, any balance costs the regular variable rate, and that rate can move. A balance that sits for a year costs about $277 in interest, roughly 60% of the points value a $30,000 year earns.

We value every point at one cent. The page names no transfer partners or higher redemption path, so nothing on it lifts that figure. That keeps the card simple, and it also caps what a heavy traveler can get out of it.

The 3-point travel rate needs BofA Travel. Booking outside that channel earns only the 1.5 base rate. If your trips go through an airline or hotel site, the travel rate is not part of your return.

No travel credits. The page lists no airline fee credit and no Global Entry or TSA PreCheck credit, so you cannot count on the card to offset a fee the way a premium card can.

Foreign fees are waived, with a caveat. The page states no foreign transaction fees and marks that with a dagger that points to the card's terms. Read those terms before a trip abroad. The no-foreign-fee guide covers the other cards that charge none.

Who it fits, and who should skip it

It fits someone who pays the statement in full, charges most ordinary bills to the card, and travels a few times a year without wanting to juggle portals. The product page's description says points do not expire as long as the account stays open, so a buyer saving for a trip can wait without losing them.

Skip it if you carry a balance, want more than a cent a point, want airline or hotel status, or need an airline fee credit. For status, read our Hilton Honors card comparison and Delta SkyMiles comparison, which compare the Hilton and Delta co-brand cards at each fee level. For a wider look at no-fee travel cards, the no-annual-fee travel guide sets this card beside four others on a single budget. Cards that charge a fee for bigger credits are covered in the travel card guide.

Five gotchas before you apply

• The 0% purchase intro lasts 15 billing cycles, and the variable regular rate follows it.
• A balance transfer made after the first 60 days carries a 5% fee.
• The 3-point travel rate applies only to bookings made through BofA Travel.
• The page lists no airline fee credit and no Global Entry or TSA PreCheck credit.
• The no-foreign-fee claim carries a dagger, so the terms govern the detail.

FAQ

Is the Bank of America Travel Rewards card worth it?

Yes, for someone who pays the statement in full and wants flat points for travel and everyday spending. It has no annual fee and no foreign transaction fee, and the welcome bonus is valued by the bank itself. It is a poor choice for anyone who carries a balance, since the regular purchase APR is 17.74% to 27.74%.

Does the Bank of America Travel Rewards card have an annual fee?

No. The product page lists the annual fee as $0 with a dagger. The dagger points to the card's terms, which you should read before applying.

How many points does the card earn on travel?

Every purchase earns 1.5 points per dollar. Travel booked through BofA Travel earns 3 points per dollar, according to the bank's travel listing page. The product page does not repeat the 3-point rate, so confirm it before you rely on it.

What is the Bank of America Travel Rewards welcome bonus?

The bonus is 25,000 online points after $1,000 in purchases within the first 90 days of opening the account. The bank values it at $250, which is one cent a point.

Does the Bank of America Travel Rewards card charge foreign transaction fees?

The page says no foreign transaction fees, with a dagger that points to the card's terms. Read those terms before using the card abroad.

What is the Bank of America Travel Rewards APR in 2026?

Purchases carry 0% for 15 billing cycles, then a variable regular rate of 17.74% to 27.74%. Balance transfers made within 60 days of opening share the 0% intro, with a 3% fee, and later transfers cost 5%.

How we checked

We read Bank of America's Travel Rewards product page and its travel credit card listing on October 10, 2026. We checked the annual fee, earn rates, welcome bonus, intro and regular APRs, balance transfer fee and foreign transaction wording against both pages. Where the two pages differ, we say which one states the figure. The statistics come from our own credit card data page on the same day. We did not apply for the card. Our how we rate page sets out the method. The one-cent value is the bank's own valuation of its bonus points, applied by us to every point in the calculations.

This page is general information, not personalized financial advice. Confirm the terms with Bank of America before you apply. Financeradar may earn a commission from some links (how we make money).

Cite this: FinanceRadar, "Bank of America Travel Rewards Review in 2026: Fees, Earn Rate and Who It Fits", October 2026.