Bank of America · Visa · travel
Travel Rewards
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Terms read from Bank of America's page on Oct 16, 2026.
Year 1, after fees
$853
Year 2+, after fees
$603
every year after
3 years, after fees
$2,059
Break-even
No fee
Earn rate by category
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $427 | $177 | $782 | No fee |
| Couple ($2,555/mo) | $710 | $460 | $1,630 | No fee |
| Family ($3,350/mo) | $853 | $603 | $2,059 | No fee |
| Frequent traveller ($3,880/mo) | $948 | $698 | $2,345 | No fee |
| Big spender ($7,960/mo) | $1,683 | $1,433 | $4,548 | No fee |
Who it suits
- People who want one flat rate on everything.
- Spending abroad: no foreign transaction fee.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- None
- Purchase APR
- 17.74% to 27.74% (variable)
- Intro APR on purchases
- 15 months, then the purchase APR
- Intro APR on balance transfers
- 15 months, 3% fee
Rewards
- 1.5% on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Cash back: Paid in cash, so the value is exact, not an estimate.
- Welcome bonus: 25,000 points ($250 toward travel and dining) after $1,000 in purchases in the first 90 days. Your spending meets it in month 1.
- Note: Points are worth 1 cent as a statement credit toward travel and dining purchases.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $603.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Frequently asked questions
Is the Bank of America Travel Rewards worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $853 in year 1 and $603 a year after that, after no annual fee.
What is the Bank of America Travel Rewards welcome offer?
25,000 points ($250 toward travel and dining) after $1,000 in purchases in the first 90 days.
Does the Bank of America Travel Rewards charge foreign transaction fees?
No. The issuer states no foreign transaction fee.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.