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Bank of America Travel Rewards credit card benefits guide

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Key takeaways

• The Bank of America Travel Rewards credit card is considered a starter travel rewards card, and for good reason. It doesn’t have the robust benefits found with many other travel credit cards — but that doesn’t mean it’s not useful for some.
• Bank of America Preferred Rewards program members can get more out of this card with their boosted earnings rate.
• Because Bank of America’s definition of “travel” is less strict than other issuers, cardholders can get travel credits for more than just airfare, hotels and related purchases.

If you like to adventure or have a few big trips coming up, you might be considering getting a travel credit card to supplement your budget by earning rewards. Most people don’t want to start off with a premium travel credit card, which comes with steep annual fees and rewards systems that can feel confusing to navigate. That’s where the Bank of America® Travel Rewards credit card might come in.

This Bank of America credit card has no annual fee but still offers enough benefits to get you started on your award travel journey. It also earns a flat rate of 1.5X points on all purchases. Although you’ll get the most out of this card as a Bank of America Preferred Rewards member — an invite-only program based on the sum of your deposits with the bank — it might still be a worthwhile card to consider.

To help potential cardholders understand what this card promises, we’ve made this benefits guide.

The Bank of America Travel Rewards credit card’s rewards benefits

While the Bank of America Travel Rewards credit card doesn’t offer much in terms of specific category rewards, it does still have its benefits when it comes to deals, redemption options and boosted rates.

Welcome bonus and intro APR offer

The Bank of America Travel Rewards credit card offers a solid welcome bonus that’s easily attainable for most cardholders. You can earn 25,000 points when you make $1,000 in purchases within 90 days of account opening. That’s about $250 worth of travel credits.

In addition to the welcome bonus, cardholders also get a 0 percent introductory annual percentage rate (APR) for 15 months on both purchase and balance transfers, but balance transfers do come with a 3 percent balance transfer fee and must be made within 60 days of account opening. After the introductory period ends, the ongoing variable APR of 19.24 percent to 29.24 percent takes over.

Varied redemption options

You can redeem your rewards points in a variety of ways, including as:

• Statement credits in an eligible Bank of America or Merrill account. This could add up if you decide to use the card as an everyday spending card.
• Cash deposits in an eligible Bank of America or Merrill account. The best part is that your cash redemptions don’t lose value, as with some rewards credit cards .
• Travel credits for purchases up to 12 months after the date of purchase. However, there’s a redemption minimum of 2,500 points, which is equal to about $25.
• Statement credits for dining and takeout purchases. Bank of America considers this to be a pretty broad category, meaning that in addition to restaurants, you can possibly get statement credits for purchases from bars, lounges and nightclubs.
• Gift cards. This redemption option only gives your points a value of 0.6 cents apiece and has a redemption minimum of 3,125 points.

Boosted rewards rates with the Bank of America Preferred Rewards Program

If you’re part of the Bank of America Preferred Rewards program , you’ll earn up to 75 percent more in rewards for each dollar you spend on your Travel Rewards card. The only requirement is to maintain a minimum balance in your eligible Bank of America or Merrill investing accounts. The minimum balance for each tier is as follows:

Though you need to maintain a significant amount of money on deposit with the bank to qualify for these tiers, you’ll find that it can really boost your earnings with the Travel Rewards card. At the highest tier, you could earn up to 2.62 points for every dollar spent on the card.

BankAmeriDeals

The BankAmeriDeals program gives you access to exclusive discounts by using your card at eligible retailers for a specific period of time. You can save anywhere from 5 percent to 15 percent on certain purchases by activating your offer and using your card according to the offer details. Some common retailers include:

• 1-800 Flowers
• The Home Depot
• Ulta Beauty

The Bank of America Travel Rewards credit card’s travel benefits

As a more entry-level travel card, the Bank of America Travel Rewards card lacks some of the more common travel benefits, like credits towards TSA PreCheck or Global Entry. There’s also no lounge access, travel insurance or annual credits. Instead, the card offers the following travel benefits:

No foreign transaction fees

Foreign transaction fees are typically 1 percent to 3 percent of a purchase, which can add up quickly depending on where you’re shopping. If you plan to travel abroad or shop internationally while online, you at least won’t bust your travel budget with these extra fees.

No annual fee

Most travel rewards credit cards charge an annual fee to pay for all of the perks they offer — especially if they’re branded as luxury travel credit cards. These cards can have fees as high as $695. However, while the Bank of America Travel Rewards credit card has no annual fee, it also doesn’t have nearly the same level of perks and benefits, so you’ll have to decide whether paying a fee is worth what you get with this card.

Visa Signature benefits

As a Visa Signature® card, the Bank of America Travel Rewards credit card also offers:

• Visa Signature® Concierge services
• Extended warranty coverage
• Access to roadside dispatch for emergency vehicle assistance
• Travel and emergency assistance

Broad travel categories

One benefit of the Bank of America Travel Rewards credit card that you don’t always see with other travel cards is how varied its definition of “travel” truly is. You can get travel statement credits for purchases with:

• Hotels and motels
• Trailer parks, motorhomes and recreational vehicle rentals
• Campgrounds
• Car, truck, trailer and boat rentals
• Cruise lines
• Travel agencies, tour operators and real estate agents
• Passenger trains
• Taxis, ferries and limousines
• Parking lots and garages
• Tolls and bridge fees
• Tourist attractions and amusement parks
• Art galleries and museums
• Carnivals and circuses
• Aquariums and zoos

Museums on Us

This unique benefit allows Bank of America cardholders to get free access to over 225 cultural institutions during the first weekend of each month. The program is perfect for those who love planning day trips or those who have a list of museums they’ve been excited about seeing. To take advantage of this perk, all you have to do is present your Bank of America debit or credit card and a valid photo ID.

How to maximize the Bank of America Travel Rewards credit card

This card’s flat rewards rate of 1.5X points for all purchases makes maximizing the Bank of America Travel Rewards credit card fairly easy — just use it on everyday purchases to see the points rack up.

Combine this card with another

However, you still might not get much out of just this card alone at the end of the day. To truly maximize your rewards, consider pairing this card with one that has a higher reward rate in specific spending categories. For example, you can get a rotating category credit card like the Discover it® Cash Back or a dining and entertainment card like the Capital One SavorOne Cash Rewards credit card . Then, you can use your Bank of America card to fill in the gaps for spending categories that won’t get boosted rewards with your other card.

Take advantage of the intro APR offer

If you’ve got a big purchase on the horizon or want to get rid of some credit card debt, the introductory APR can help you avoid interest. Just make sure you pay off your balance before the intro period ends and factor in the balance transfer fee as you pay off your debt.

Use this card for travel in niche categories

As we mentioned before, Bank of America has a much broader definition of what counts as “travel.” While you might get more rewards with another travel credit card when it comes to airfare or hotel stays, you likely won’t find many others that let you redeem travel credits for parking lot fees, tolls, campground rentals, museums or zoos. This card can come in handy for those kinds of expenses.

The bottom line

The Bank of America Travel Rewards isn’t the very best travel credit card out there. For most people, they’d be better off with a card that offers a higher travel rewards rate or even with a flat-rate cash back card like the Citi® Double Cash Card , which offers up to 2X rewards (1% when you buy 1% as you pay) on all spending.

But for those who meet Bank of America Preferred Rewards requirements, the card could provide substantially more value. Plus, it could be appealing to someone that wants their travel rewards to be useful for more than just airfare and hotels, or someone who is just getting started on their travel rewards journey . But even then, there are likely better cards available for you to take your travels to the next level.

Issuer-required disclosure statements

Information about the Bank of America® Travel Rewards credit card was last updated on May 8, 2024. 

Citi is an advertising partner.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

“ Museums On Us ” Bank of America. Accessed on February 5, 2024.

Hidden benefits of the Bank of America Travel Rewards card

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Bank of America Premium Rewards vs. Bank of America Travel Rewards Credit Card

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Bank of America Travel Rewards Credit Card Review

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Credit cards > Reviews

Bank of America Travel Rewards credit card review: A travel credit card for the fee-averse

Glen Luke Flanagan

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 11:46 a.m. UTC May 8, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

The Bank of America® Travel Rewards credit card offers a simple approach to rewards, with a base rate of 1.5 points per $1 on purchases — and the chance to earn up to an impressive flat rate of 2.62 points per dollar on purchases for being a Bank of America Preferred Rewards® member. 

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 50+ cards analyzed.
• 8 data points considered.
• 5-step fact-checking process.

Bank of America Travel Rewards credit card basics

• Annual fee: $0.
• Welcome bonus: 25,000 points after spending $1,000 on purchases in the first 90 days of account opening.
• Rewards: Earn 1.5 points per $1 on purchases, with the chance to earn 25% to 75% bonus points as a Bank of America Preferred Rewards customer. Also, earn an additional 1.5 points per dollar on Bank of America Travel Center purchases.
• APR: 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, followed by a 19.24% to 29.24% variable APR. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers.
• Preapproval tool: Yes.
• Recommended credit score: Good to excellent.

Bank of America Travel Rewards review

The Bank of America Travel Rewards credit card is a mainstay among no-annual-fee travel credit cards . This card offers a flat 1.5 points per $1 on purchases, but if you’re a loyal Bank of America or Merrill customer, you may be able to earn as much as 2.62 points per dollar on purchases. You’ll also earn more rewards when you use your card to book travel through the Bank of America Travel Center.

With no annual fee , the card doesn’t offer much in the way of travel benefits. But its welcome bonus is solid, giving you 25,000 points after spending $1,000 on purchases in the first 90 days of account opening. And if you need an introductory APR promotion, this card offers a lengthy one, 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, followed by a 19.24% to 29.24% variable APR. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers.

The card can be a great introduction to travel rewards for someone who prefers to avoid an annual fee, and it can also be a great way for certain Bank of America or Merrill customers to maximize their rewards on every purchase. But if you’re serious about travel rewards and perks, a different card may be a better fit, even if it charges an annual fee. 

• Intro APR offer: The card’s intro offer is helpful for anyone wanting extra time to pay off a big purchase or looking to tackle some debt.
• Relationship bonus: Those who are already banking with Bank of America or Merrill can earn higher rewards based on their relationship tier via the bank’s Preferred Rewards program.
• Simple travel rewards: Navigating travel rewards can be complicated with some credit card programs. The flat-rate rewards on this card are relatively simple to earn and use.
• No notable travel benefits: If you want added benefits when you travel, such as robust travel protections, airport lounge access or reimbursement for the Global Entry application fee, you may be disappointed with this card.
• No everyday bonus categories: You can earn extra points when you book travel through Bank of America, but the card doesn’t offer any other bonus categories. 
• Steep price to maximize rewards: To earn the highest rewards rate possible, you’ll need a three-month combined average daily balance of at least $100,000 in eligible Bank of America deposit accounts or Merrill investment accounts. 

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The Platinum Card® from American Express

Welcome bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Over $1,500 in travel and entertainment credits can offset the annual fee.
• Comprehensive lounge access benefit.
• Generous travel and purchase protections.
• High annual fee and spending requirements.
• Amex’s once-per-lifetime rule limits welcome bonus eligibility.
• Annual statement credits have limited use.

Card details

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Bank of America Travel Rewards credit card rewards

The card offers a flat base rate of 1.5 points per $1 on purchases. However, if you use your card to book travel through the Bank of America Travel Center, you’ll earn 3 points per $1 on those purchases — an extra 1.5 points per $1 on top of the base rewards rate.

Additionally, the card earns 25%, 50% or 75% more points per purchase if you’re eligible for the Bank of America Preferred Rewards program. To join, you must have a three-month combined average daily balance of at least $20,000 in eligible Bank of America deposit accounts or Merrill investment accounts. 

Depending on which Preferred Rewards tier you qualify for, you can earn between 1.87 to 2.62 points per dollar on most of your purchases with this card. Note, however, that this bonus doesn’t apply to the card’s welcome offer.

The welcome offer provides 25,000 points after spending $1,000 on purchases in the first 90 days of account opening. 

To redeem your rewards, simply use your card to pay for eligible travel or dining purchases, then request a statement credit with your points within 12 months of the transaction date. You can also redeem points for cash or gift cards, but you’ll only get 0.6 cents per point with cash redemptions — and gift card redemption values can vary. As a result, it’s best to stick to travel and dining statement credits.

Bank of America Travel Rewards credit card rewards potential

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in expenses they are likely to be able to charge to a credit card.

If you’re earning the base rate of 1.5 points per $1 on purchases, you could earn $376.31 worth of points every year. If you’re a Bank of America Preferred Rewards customer, though, you could earn up to $657.28 in value.

Bank of America Travel Rewards credit card APR details

As a new cardholder, you’ll get a 0% intro APR for 15 billing cycles for purchases and any balance transfers made in the first 60 days, followed by a 19.24% to 29.24% variable APR. A 3% intro balance transfer fee will apply for the first 60 days; then a 4% fee applies to future balance transfers. That’s a rare benefit among travel credit cards, so it’s even more impressive that it’s also a relatively lengthy intro APR period.

Bank of America Travel Rewards credit card vs. Discover it® Miles

If you’re a big spender, you could benefit from a big bonus offer from the Discover it Miles . The card offers 1.5 miles per $1 on purchases, and Discover will automatically match all miles earned at the end of the first cardmember year, with no limit to how many miles you can earn. 

You can redeem miles as a statement credit for travel purchases made up to 180 days after they post, for cash back to a bank account or you can use them to shop online at Amazon.com and through PayPal. 

The card also has no annual fee and no foreign transaction fee, but keep in mind that if you plan to travel abroad, Discover is not widely accepted internationally.

Bank of America Travel Rewards credit card vs. Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

For a modest $95 annual fee, the Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers substantial rewards value. As a new cardholder, you’ll earn 75,000 miles after spending $4,000 on purchases in the first three months of account opening. You’ll also earn 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases. 

You can redeem miles as statement credits for past travel purchases, use them to pay for Capital One Travel bookings or transfer them to airline or hotel loyalty programs.

In terms of perks, you’ll get an application fee credit toward Global Entry or TSA PreCheck (up to $100), two complimentary annual visits to Capital One Lounges or Plaza Premium Lounges, Hertz Five Star status¹, bonus miles on Turo car rentals and more. 

Bank of America Travel Rewards credit card vs. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred offers 75,000 points after spending $4,000 on purchases in the first three months of account opening. You’ll also earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. 

Points are typically worth 1 cent each (though the value may vary for certain redemptions). Redemption options include cash back, statement credits, gift cards, Apple purchases and online shopping. You can also use them to book travel through Chase Travel℠ and receive 25% more value per point, or transfer your points at a 1:1 rate to airline and hotel loyalty programs. 

The card also offers a $50 annual statement credit for hotel stays booked through Chase Travel, as well as partner benefits with Lyft, Instacart, DoorDash and Peloton. There’s a $95 annual fee.

Finally, the Sapphire Preferred provides a robust lineup of travel benefits, including trip cancellation and interruption insurance, trip delay reimbursement, baggage delay reimbursement and primary rental car insurance .

Should you get the Bank of America Travel Rewards credit card?

If you’re a Bank of America Preferred Rewards member, the Travel Rewards credit card can be a great way to rack up a lot of points on your everyday purchases, especially if you can qualify for the maximum 75% points bonus — which brings the earning rate up to 2.62 points per dollar spent on purchases. 

That said, it may also be worth considering another travel card with added perks for when you travel, since this one’s benefits are slim compared to popular travel cards such as the Chase Sapphire Preferred.

If you’re not a Preferred Rewards customer, the Bank of America travel card may still be a good fit if you want to earn travel rewards but don’t want to deal with an annual fee. However, it should be mentioned there are many travel credit cards that charge an annual fee but offer enough value in perks alone to make up for the cost every year. Shop around and compare several options to determine which one offers the best value for you based on your travel and spending habits.

Methodology

Our credit cards team has spent hours analyzing hundreds of travel credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. We factored the following into our analysis:

• Annual fees.
• Travel reward rates.
• Value of rewards.
• Redemption options.
• Additional benefits that a card may offer for travelers, such as travel insurance.

Frequently asked questions (FAQs)

The card is designed for consumers with good or excellent credit. According to FICO , that typically means a credit score of 670 or higher. That said, Bank of America will review your full credit history, income and other factors to determine your eligibility. 

If you’re unsure whether you’re eligible, you can use the card issuer’s preapproval tool, which can help you gauge your approval odds for any Bank of America credit card.

After you use your card to pay for an eligible travel or dining purchase, you can log in to your account and request a statement credit up to 12 months after the transaction posts. Alternatively, you can redeem your points for a paper check or a deposit into an eligible Bank of America or Merrill account or to buy gift cards.

As long as your account remains open and you can actively make purchases, your points will never expire. However, you will forfeit your points if you or Bank of America closes your account.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

¹Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

*The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ben Luthi is a freelance writer who covers all things personal finance and travel. His work has appeared in dozens of online publications. Ben lives in Salt Lake City with his two children and two cats.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

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Bank of America Travel Rewards Review: Easy Rewards for Easy Travel

What’s on This Page

The bottom line, detailed review, compare to other cards, benefits and perks, drawbacks and considerations, how to decide if it's right for you.

This solid no-fee travel credit card is especially rewarding for Bank of America® banking customers.

Rewards rate

Bonus offer

• 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.

0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days

Ongoing APR

APR: 19.24%-29.24% Variable APR

Cash Advance APR: See Terms

Penalty APR: 29.99%, Variable

Balance transfer fee

3% for 60 days from account opening, then 4%

Foreign transaction fee

• 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.
• 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 19.24% - 29.24% 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.

Pros and Cons

No annual fee

New cardholder bonus offer

No foreign transaction fees

Flexible rewards redemption

Intro APR period

Requires good/excellent credit

No bonus categories

Best rewards limited to certain customers

The Bank of America® Travel Rewards credit card is an excellent option for frequent travelers who want flexible rewards but just can't bring themselves to pay an annual fee for a credit card.

Cardholders earn an unlimited 1.5 points per dollar spent on all purchases. Rewards never expire as long as the account is open, but some of the redemption options have a time limit attached (more on that later). Points can be redeemed for credit against any travel or restaurant purchase. With no foreign transaction fees and a $0 annual fee, this card definitely travels light.

Note that this card is different from the similarly named Bank of America® Travel Rewards credit card for Students . For more information about that version of the card, see our full review .

» MORE: NerdWallet’s best travel credit cards

Bank of America® Travel Rewards credit card : Basics

Card type: Travel .

Annual fee: $0 .

Sign-up bonus: 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.

Rewards: 1.5 points per dollar spent.

Points are worth 1 cent apiece when redeemed for travel or restaurant purchases and a little over half a cent apiece for cash. Points can also be redeemed for gift cards at varying point values. Minimum redemption: 2,500 points for travel or cash.

Interest rate: 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 19.24% - 29.24% will apply . (A 0% APR period is relatively rare on a travel card.)

Foreign transaction fees: None.

Flexible rewards

The Bank of America® Travel Rewards credit card isn't tied to any particular airline or hotel chain. Book travel any way you want, with no restrictions and no blackout dates, and then use points to wipe out the cost on your statement. Bank of America® also has one of the broadest definitions of "travel" of any major issuers. You can use points to get credit for airfare, hotel stays, cruises and car rentals, of course — but also for things like campgrounds, art galleries, amusement parks, carnivals, circuses, aquariums and zoos. Add to that, points are good for credit on restaurant purchases, too.

Points don't expire, but the travel and dining purchases you can redeem them for have a time limit. You can redeem points for a statement credit toward travel or dining purchases made within 12 months prior to the date of redemption. And, these redemptions are limited to the most recent 2,500 qualifying travel and dining purchases.

Travel-friendly features

As part of the Visa network, the Bank of America® Travel Rewards credit card travels well internationally. Visa is widely accepted worldwide, meaning you're less likely to run into trouble using it abroad. You also don’t have to worry about paying foreign transaction fees, which typically cost 1% to 3% of every transaction.

» MORE: Benefits of the Bank of America® Travel Rewards card

Bank of America Preferred Rewards® boosts earnings

The Bank of America Preferred Rewards ® program allows certain Bank of America® credit card holders to earn bonus rewards. If you have enough money in combined balances in Merrill accounts, you can earn bonuses of 25% or more. There are three tiers to the program, determined by your combined balances in those bank and investment accounts:

Say you spent $10,000 on your card in a year. That would usually earn you 15,000 points, worth $150 at a penny a point. If you were a Gold member in Bank of America Preferred Rewards®, your bonus would push your earnings to 18,750 points ($187.50). If you were Platinum, 22,500 points ($225). For Platinum Honors, 26,250 ($262.50).

» MORE: Bank of America® credit cards mobile app review

N o elevated rewards on bonus categories

The Bank of America® Travel Rewards credit card is a great $0 -fee travel companion, but if your spending leans heavily towards travel and restaurants, a different card might better suit you.

The $0 -annual-fee Wells Fargo Autograph℠ Card earns an impressive 3 points per dollar spent on:

Restaurants.

Gas stations and electric vehicle charging stations.

Streaming services.

Select phone plans.

Other purchases earn 1 point per dollar.

Depending on where you spend your money, the Wells Fargo Autograph℠ Card has the potential to earn significantly more than the Bank of America® Travel Rewards credit card (assuming, of course, you don't qualify for a high tier with Bank of America Preferred Rewards®).

Like the Bank of America® Travel Rewards credit card , points earned on the Wells Fargo Autograph℠ Card can be redeemed for travel or a statement credit. But you can also transfer any rewards you earn to one of Wells Fargo's transfer partners, which can help you earn outsize value.

Air France-KLM (1:1 ratio).

Avianca (1:1 ratio).

British Airways (1:1 ratio).

Aer Lingus (1:1 ratio).

Iberia (1:1 ratio).

Choice Privileges Hotels (1:2 ratio).

You get a lower redemption value for cash

The Discover it® Miles has a lot in common with the Bank of America® Travel Rewards credit card : an unlimited 1.5 miles per dollar spent, a $0 annual fee and no foreign transaction fees. But a key difference is that the Discover it® Miles gives you the same value per point whether you redeem for travel or cash back. The Bank of America® Travel Rewards credit card has an edge over this card Visa's wider acceptance abroad, but the Discover it® Miles is worth considering if you want better cash-back value.

Premium perks can take your travel further

The PenFed Pathfinder Rewards American Express® Card offers premium perks without the premium cost. Cardholders get 3 points per $1 spent on travel purchases (4 points for those enrolled in the PenFed Honors Advantage program) and 1.5 points per $1 spent everywhere else. On top of rewards, the card offers a $100 annual air travel credit and up to $100 in the form of a statement credit for Global Entry and TSA PreCheck programs every five years.

This card comes with a $95 annual fee, but it's waived for PenFed Honors Advantage members. Even without qualifying for PenFed Honors Advantage, you can effectively cancel out the annual fee as long as you can take advantage of the full $100 air travel credit. You’ll need to be a credit union member to qualify for this card.

If you'd like to see how these cards compare with other potential travel card options, you can search NerdWallet's list of best rated credit cards .

The Bank of America® Travel Rewards credit card offers a solid travel rewards program for the fee-averse. If your deposits reside at Bank of America®, you can gain even more rewards.

If you're willing to pay an annual fee ( $95 ), this card gives you 2 miles per dollar on most spending. It has a big sign-up bonus, and miles are redeemable for statement credit against any travel expense.

Looking For Something Else?

Methodology.

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

Frequently asked questions

The Bank of America® Travel Rewards credit card is a good choice for someone looking for simple rewards with a $0 annual fee. Cards with annual fees, however, typically offer more robust rewards and perks and may be a better fit for heavy travelers. With this card, you earn 1.5 points per $1 spent. (Bank of America Preferred Rewards ®customers earn 25%-75% more points.) Points can be redeemed for credit against any travel purchase.

Use your Bank of America® Travel Rewards credit card to book travel however you want, and then redeem points for credit on your statement against those travel purchases. You can use points to cover expenses like flights, hotels, vacation packages, cruises, rental cars, baggage fees and more.

Points are worth 1 cent each when redeemed for a travel statement credit.

Points don’t expire as long as your card account is open, but you will forfeit unused points if you close your account. While points don't expire, the travel and dining purchases you can redeem them for do have a time limit. You can redeem points for a statement credit toward travel or dining purchases made within 12 months prior to the date of redemption. And, redemptions are limited to the most recent 2,500 qualifying travel and dining purchases.

The more often you travel, especially if you travel internationally, the more value you can get out of a travel rewards credit card. However, if you don’t travel often, you may benefit from a cash-back card instead.

About the author

Melissa Lambarena

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Bank of America® Travel Rewards Credit Card

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25,000 online bonus points offer (a $250 value) and no annual fee †

Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time

Card Details

Unlimited points.

Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open. Calculate Rewards Travel Rewards

No annual fee † and no foreign transaction fees †

Enjoy no annual fee and no foreign transaction fees while earning points to use for a statement credit to pay for flights, hotel stays, vacation rentals, baggage fees, and also at restaurants – including takeout.

Low Introductory APR Offer

0% † Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 19.24% to 29.24% will apply. 3% † Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

25,000 online bonus points offer

25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel and dining purchases

Get even more rewards

Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase

That means you could earn 1.87 to 2.62 points for every $1 you spend, everywhere, every time.

Learn more about Preferred Rewards Travel Rewards

Interest Rates & Fees Summary †

Introductory apr.

0% for 15 billing cycles

Applies to purchases and to any balance transfers made within 60 days of opening your account

Standard APR

19.24% - 29.24%

Balance Transfer Fee

After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.

† Please see Terms and Conditions for rate, fee and other cost information, as well as an explanation of payment allocation. All terms may be subject to change.

Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.

Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time.

No blackout dates or restrictions and points do not expire as long as your account remains open.

Use our rewards calculator to see where your points can take you...

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 travel and dining purchases, such as flights, hotel stays, vacation rentals, baggage fees, and also at restaurants – including takeout.

See how many points you can earn

Tell us how much you spend every.

for every $1 spent on purchases

Your 1 Year of spending

Pay yourself back with a statement credit towards travel and dining purchases

Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees, or dining expenses, such as restaurants and takeout. (Redemptions for cash or gift cards will be of lesser value.)

Travel Rewards

Customer bonus

Gold Tier Preferred Rewards Bonus

Platinum Tier Preferred Rewards Bonus

Platinum Honors Tier and Higher Preferred Rewards Bonus

Learn more about Preferred Rewards

Preferred Rewards makes your card even better

Note: This calculator is for illustrative purposes only. It is not intended to be printed or distributed. Your actual rewards earned will depend upon your individual purchases.

10% Customer bonus

25% Gold Tier Preferred Rewards Bonus

50% Platinum Tier Preferred Rewards Bonus

75% Platinum Honors Tier and Higher Preferred Rewards Bonus

Security & Features

Stay protected, contactless chip technology, balance connect ® for overdraft protection, paperless statement option, digital wallet technology, online & mobile banking, account alerts, fico ® score.

Now, when you opt-in you can access your FICO ® Score updated monthly for free, within your Mobile Banking app or in Online Banking. FICO ® Score Program . The FICO ® Score Program is for educational purposes and for your non-commercial, personal use. This benefit is available only for primary cardholders with an open and active consumer credit card account who have a FICO ® Score available. The feature is accessible through Online Banking, the Mobile website, and the Mobile Banking app for iPhone and Android devices. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Data connection required. Wireless carrier fees may apply." data-footnote="ADDITIONAL_BENEFITS_FOOTNOTE_07" aria-label="Footnote 5"> Footnote [5] Learn More   about Free FICO Credit Score opens in a new window

Priority code: TC038C

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For complete program details, view the Program Rules  Bank of America ® Travel Rewards ® Program Rules (PDF) .

© 2024 Bank of America Corporation. All rights reserved.

You have selected to redeem your points for travel.

If you want to redeem your points, select Continue . If you wish to purchase travel, select Purchase Travel and you will be directed to the Bank of America Travel Center where you can purchase travel without using your points.

En este momento, estamos actualizando nuestros sistemas para incorporar características mejoradas a la experiencia de recompensas en línea. Como resultado, este sitio web se encuentra temporalmente fuera de servicio. El canje de recompensas no estará disponible hasta las últimas horas de la tarde el 20 de mayo. Gracias por su paciencia.

We are currently updating our systems to bring enhanced features to the online rewards experience. As a result, this website is temporarily unavailable. Rewards redemption will not be accessible until late afternoon on May 20. Thank you for your patience.

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Es posible que el contenido, las solicitudes y los documentos asociados con los productos y servicios específicos en esa página estén disponibles solo en inglés. Antes de escoger un producto o servicio, asegúrese de haber leído y entendido todos los términos y condiciones provistos.

En este momento, estamos actualizando nuestros sistemas para incorporar características mejoradas a la experiencia de recompensas en línea. Como resultado, este sitio web se encuentra temporalmente fuera de servicio. El canje de recompensas no estará disponible hasta las últimas horas de la tarde el 20 de mayo. Gracias por su paciencia.

Important Notice

We are in the process of converting your BankAmericard Privileges ® with Travel Rewards credit card to a BankAmericard Travel Rewards ® credit card. As a result, you will not be able to access the rewards site at this time. Thank you for your patience.

Your BankAmericard Privileges ® with Travel Rewards credit card has recently been converted to a BankAmericard Travel Rewards ® credit card. Please visit bankofamerica.com to access your new rewards site and find out what your new credit card program has to offer.

• Is the Business Advantage Travel Rewards World Mastercard Card the best credit card for you? 
• How to earn rewards
• How to use rewards
• Benefits and features

Fees and costs

• Frequently asked questions (FAQ)

Bank of America Business Advantage Travel Rewards Credit Card Review 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. The details for these products have not been reviewed or provided by the issuer.

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is a decent option for small-business owners looking for a no-annual-fee card with strong travel rewards and a generous welcome bonus offer. It also comes with a modest range of travel protections, but if you're looking for luxurious perks, this likely isn't the card for you. 

0% intro APR for the first nine billing cycles on purchases

18.49% - 28.49% variable

Earn 30,000 online bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can earn 30,000 online welcome bonus points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 1.5 points per dollar on every purchase with no cap
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee/foreign transaction fee
• con icon Two crossed lines that form an 'X'. Some cards offer longer intro APR
• con icon Two crossed lines that form an 'X'. There are no airline or hotel partners to transfer points to

Bank of America Business Advantage Travel Rewards Details

If your small business is looking for a no-annual-fee travel rewards card with strong earning rates and a good welcome bonus offer, the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is worth considering. It has a straightforward earning rate of 1.5 points per dollar on all purchases (no cap). It also earns a generous 3x points per dollar on travel (such as car rentals, airlines, and hotels) booked through the Bank of America Travel Center.

You can earn 30,000 online bonus points after you spend $3,000 in purchases in the first 90 days of your account opening, which is worth $300 in statement credits toward travel or dining-related purchases. That's a decent offer for a no-annual-fee card.

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card also has a 0% intro APR for the first nine billing cycles on purchases (then a 18.49% - 28.49% variable APR). This can be helpful if you have big expenses you want to pay off over a longer period of time without incurring big interest charges.

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card is even better suited for folks who are already members of the Bank of America Preferred Rewards for Business program. Members earn up to 75% more points on purchases when their business checking account qualifies for the highest Preferred Rewards for Business tier (Platinum Honors). 

If you're trying to decide on the best no-annual-fee travel rewards card for your business, be sure to also consider cards with similar earning rates. For example, The Blue Business® Plus Credit Card from American Express earns 2 Amex Membership Rewards points per dollar on all purchases (up to $50,000 a year, then 1x), and 1 point on all other purchases. Cardholders can transfer points to Amex's airline and hotel partners or book flights, hotels, and more through Amex Travel . 

There's also the no-annual-fee Ink Business Unlimited® Credit Card which earns 1.5% cash back (1.5x points) on all purchases with no cap, and offers a whopping $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening. 

It's also worth mentioning that travel rewards cards with annual fees often have higher earning rates, larger welcome bonus offers, and better benefits than no-annual-fee cards. The Ink Business Preferred® Credit Card, for example, has a high welcome bonus (100,000 bonus points after spending $8,000 on purchases in the first three months from account opening) and comes with cell phone protection, primary car rental insurance, and trip cancellation/interruption insurance for a modest $95 annual fee. 

How to earn rewards with the Bank of America Business Advantage Travel Rewards World Mastercard

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card earns 3x points on travel purchases, like car rental, hotel, or airline bookings through the Bank of America Travel Center. So if you're someone who spends a lot on travel, this card is worth considering. 

However, you'll only receive 3x points on travel booked through the Bank of America Travel Center. If you don't use the Bank of America Travel Center site for your bookings or prefer to keep your options open, you should consider a different travel rewards card. 

Otherwise, you'll earn 1.5x points on all purchases with no cap.

Keep in mind Bank of America Preferred Rewards members can earn up to 75% more points on their purchases (depending on Business tier level). This means you can earn up to 2.625x points on all purchases, and up to 5.25x points on travel booked through the Bank of America Travel Center. 

That said, not everyone can be a Preferred Rewards for Business member. You need at least $20,000 combined total in eligible Bank of America accounts in order to qualify for the lowest tier. So if you're not currently a member, and don't qualify, you'll miss out on maximizing rewards from this card.

How to use rewards from Business Advantage Travel Rewards World Mastercard

You can redeem points from the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card toward eligible travel and dining-related purchases at a rate of 1 cent per point. However, Bank of America has a somewhat eclectic definition of travel and dining-related categories. In fact, a fair number of eligible categories could otherwise be classified as entertainment.

Eligible redemption categories include:  

• Trailer parks
• Cruise lines
• Eating places and restaurants
• Fast food restaurants
• Art galleries
• Tolls and bridge fees
• Travel agencies

Although the wide scope of categories can be beneficial, the line between eligible and non-eligible can be confusing (unless you're able to memorize the whole list). So if you're looking for straightforward point redemptions, you might want to consider a different travel rewards card.  

You can also redeem points toward cash as a check or direct deposit to your Bank of America or Merrill (Bank of America's wealth management division) account, but at a reduced rate. For cash rewards, you'll get a value of 0.6 cents per point, with a minimum redemption is 2,500 points (worth $15). There's also an option to use points for gift cards starting at 3,500 points, but redemption values vary.

Your points won't expire as long as your account is open and active, but note that points redeemed as statement credits to offset qualifying travel and dining purchases are limited to the most recent 2,500 qualifying purchases. 

Bank of America Business Advantage Travel Rewards card benefits and features

Cash flow management tools.

You can manage online business expenses and transactions through a suite of online payment services. These services include automatic payments and access to Quickbooks for transaction transfers and downloads. 

Travel and emergency services

You're eligible $1 million in travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement when you use your Bank of America® Business Advantage Travel Rewards World Mastercard® credit card to pay for your trip. 

$0 liability guarantee

If your card is lost or stolen, and you notify Bank of America, you won't be held responsible for unauthorized transactions. But keep in mind that you have to promptly report the lost or stolen card in order to be eligible for protection. 

Overdraft protection

You can prevent declined purchases or returned checks by linking your Bank of America checking account to your eligible credit card. You won't be charged an overdraft fee but other fees may still apply. 

Fraud protection

You'll be notified if Bank of America blocks potential fraudulent activity or abnormal patterns.

The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card doesn't charge an annual fee or foreign transaction fees . You'll also receive a  0% intro APR for the first nine billing cycles on purchases (then a 18.49% - 28.49% variable APR). 

The card does charge fees for balance transfers, cash advances, and late payments.

Bank of America Business Advantage Travel Rewards frequently asked questions (FAQ)

The Business Advantage Travel Rewards World Mastercard is a decent no-annual-fee travel rewards credit card that can be a good fit for many small businesses. It's particularly valuable if you're a  Preferred Rewards for Business member, because you can earn up to 75% more rewards (varies based on tier). 

But if you're not a Preferred Rewards for Business member, don't often book travel through the Bank of America Travel Center, or are looking for higher reward earnings, then the Business Advantage Travel Rewards World Mastercard isn't the best card for you. 

Folks with good to excellent credit are eligible for the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. That means a FICO score of at least 670, or a VantageScore of at least 700.

If your credit score isn't in that range yet, there are other no-annual-fee small-business cards you may be eligible for. 

Also, if you've opened another Bank of America business card in the last 24-month period, you may not be approved.

If your eligible Bank of America business account(s) reach a minimum combined total of $20,000, you could be eligible to reach the lowest tier (Gold tier). Members get access to additional rewards benefits and saving opportunities. Rates vary based on tier level. 

Minimum required to reach Preferred Rewards for Business tiers:

• Gold: Earns 25% more rewards on purchases (minimum of $20,000 combined total in eligible Bank of America account(s).
• Platinum: Earns 50% more rewards on purchases (minimum of $50,000)
• Platinum honors: Earns 75% more rewards on purchases (minimum of $100,000)

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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5 lesser-known perks of the Bank of America Premium Rewards Card

There's a travel credit card that doesn't get as much love as some other popular choices , and it's called the Bank of America® Premium Rewards® credit card . For those not familiar with this card , it comes with a sign-up bonus of 60,000 points after you spend $4,000 within the first 90 days of account opening.

For a $95 annual fee, the Bank of America Premium Rewards card highlights include a 2-points-per-dollar earning rate on travel and dining purchases, 1.5 points per dollar on all other eligible purchases, and an up-to-$100 airline credit to cover ancillary purchases such as seat upgrades, baggage fees, inflight services and more. Every four years, you'll also get up to a $100 Global Entry credit, which you can use for TSA PreCheck or Global Entry — something every frequent traveler should have in their arsenal.

Aside from these benefits, some perks aren't as widely advertised but can be just as valuable, so let's go over the top five lesser-known perks of the Bank of America Premium Rewards credit card .

Lost luggage reimbursement

No one wants to lose their luggage when they travel. There's a lot to worry about, from working with the airline and trying to get your bag back to going without all of your essentials. But the Bank of America Premium Rewards card offers something to help ease that pain.

If you pay for your trip costs with this card, the lost luggage coverage protects both your luggage and the contents inside of it if it's lost or stolen due to theft or misdirection by the common carrier. Bank of America defines common carriers as airlines, buses, trains and cruise ships.

Baggage delay protection

Along the same lines as the lost luggage reimbursement, the Bank of America Premium Rewards also offers coverage if your bags are delayed . When your checked baggage is delayed for at least six hours with a common carrier, you can receive up to $100 per day for up to five days that your baggage is delayed. The card's benefit is limited to expenses incurred for essential items, such as toiletries, clothing and chargers for electronic equipment.

Trip cancellation and interruption insurance

If something comes up with your trip, the Bank of America Premium Rewards travel insurance helps to ensure that you're not completely losing everything you spent. If you have to cancel your trip due to a covered reason, the benefit will cover up to $2,500 per trip for any unused, prepaid, nonrefundable travel expenses .

Covered nonrefundable expenses include airfare and other common carrier fares (such as cruises, buses and trains), hotel costs, tours booked through a tour operator, prepaid rental cars, rented recreational vehicles, change fees and commercial recreational excursions.

Your trip will be covered by Bank of America Premium Rewards travel insurance for reasons such as accidental injury, a change in military orders, a call to jury duty, a named storm warning and more. However, not all expenses are covered: Some examples are a change in plans, a change in financial circumstances, any loss because of unused vouchers, tickets, credits or coupons, and more.

Purchase Protection

If you run into a problem with a purchase you just made, the Bank of America Premium Rewards purchase protection covers you whether the item is stolen or damaged.

Say, for example, you bought a new iPhone, and you drop it right on its face just a few days after having it. The screen completely shatters and it isn't useable. If you didn't purchase Apple Care, the purchase protection of your Premium Rewards Card could come into play here.

The Bank of America Premium Rewards purchase protection will repair, replace or reimburse you for an eligible item purchased with your card that is stolen or damaged within 90 days of purchase. You'll be covered for up to $10,000 per claim.

Along the same lines, the Bank of America Premium Rewards also offers an extended protection benefit . This perk doubles the time period of the manufacturer's warranty for up to one additional year on warranties of three years or less.

Visa Signature luxury hotel collection

This benefit gives you access to Visa Signature's portfolio of premium hotels . Stay with one of the hotels in the collection and pay with your Bank of America Premium Rewards. You'll get benefits that include a best rate guarantee, late checkout, free daily breakfast for two, automatic room upgrades (if available) and a $25 daily food or beverage credit.

Related: Book through Visa Signature Hotels for elite-like perks

Bottom line

While the Bank of America Premium Rewards credit card has plenty of perks, some of its greatest benefits aren't widely advertised.

From reimbursing you for lost luggage to offering you special treatment at a collection of premium hotels, the card offers value in various ways.

Official application link: Bank of America Premium Rewards credit card .

Additional reporting by Ryan Wilcox and Stella Shon.

Updated 06/05/2023.