Bank of America Travel Rewards Credit Card Review 2026: Travelers who want a simple no-fee card with no foreign transaction fees and a long 0% intro period.
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Our verdict
Bank of America Travel Rewards ranks third. Its card page lists no annual fee, no foreign transaction fees, 1.5 points per dollar on all purchases, and a 0% intro APR for 15 billing cycles on purchases and on balance transfers made in the first 60 days, then 17.49% to 27.49% variable (as of 2026-10-02). It also publishes the balance transfer fee plainly, 3% then 5%, which earns it a high transparency score. The trade-offs: no listed travel protections and a flat earn rate that trails category cards for frequent travelers. Terms change; check Bank of America's current terms before applying. For full card analysis, see Firsthand Money. We did not hold or test the card.
Score breakdown
- Value (30%)8.0/10
- Experience (25%)6.0/10
- Flexibility (20%)6.0/10
- Transparency (15%)8.0/10
- Service (10%)6.0/10
Scored per our review methodology.
Who it's for
Best for: Travelers who want a simple no-fee card with no foreign transaction fees and a long 0% intro period..
Pricing
No annual fee, no foreign transaction fees, 0% intro APR for 15 billing cycles on purchases and on balance transfers made in the first 60 days, then 17.49% to 27.49% variable APR (as of 2026-10-02).
| Plan | Price | Notes |
|---|---|---|
| Annual fee | $0 (as of 2026-10-02) | No foreign transaction fees. |
| APR | 0% intro for 15 billing cycles, then 17.49% to 27.49% variable (as of 2026-10-02) | Intro APR covers purchases and balance transfers made in the first 60 days. Balance transfer fee 3% for 60 days, then 5%. |
| Welcome offer | 25,000 online bonus points after $1,000 spend in 90 days (as of 2026-10-02) | Bank of America values the bonus at $250. |
What the evidence says
- No annual fee; no foreign transaction fees; 0% intro APR for 15 billing cycles on purchases and on balance transfers made within 60 days; then 17.49% to 27.49% variable; balance transfer fee 3% for 60 days then 5%; 1.5 points per dollar; 25,000 bonus points after $1,000 in 90 days (as of 2026-10-02). (Bank of America, Travel Rewards card page (official))
- Points can be redeemed as a statement credit for travel and dining purchases, including flights, hotel stays, vacation rentals, baggage fees and restaurants. (Bank of America, Travel Rewards card page (official))
Pros & cons
Pros
- The lowest starting APR range of the four cards (17.49% to 27.49% variable) and the longest intro period: 0% for 15 billing cycles on purchases and on balance transfers made within 60 days (as of 2026-10-02)
- Unlimited 1.5 points per dollar on all purchases, with no categories to track (as of 2026-10-02)
- Points redeem as a statement credit against travel and dining purchases such as flights, hotels, vacation rentals, baggage fees and restaurants, so you can book anywhere
- Balance transfer fees are published on the card page: 3% in the first 60 days, then 5%
Cons & red flags
- The flat 1.5x rate earns less than the 3x categories on the Autograph or the 3x to 5x categories on the Sapphire Preferred if you spend heavily on travel and dining
- No trip cancellation, rental car or baggage cover is listed on the card page
- The 5% balance transfer fee after the first 60 days is high (as of 2026-10-02)
How it compares
Bank of America Travel Rewards Credit Card scores 6.9/10 in our travel cards evaluation. See where it lands in the full ranking: Best No Foreign Transaction Fee Travel Cards of 2026.
- Chase Sapphire Preferred Card review — 7.4/10, travelers who will use the trip cancellation and rental car cover and can get more than $95 a year from the points and hotel credit.
- Wells Fargo Autograph Card review — 7.0/10, travelers who want bonus points on travel, dining and transit abroad without paying an annual fee.
Frequently asked questions
Does the Bank of America Travel Rewards card charge foreign transaction fees?
No. The card page lists no foreign transaction fees and no annual fee (as of 2026-10-02).
How do I use Bank of America Travel Rewards points?
The card page says you can redeem points for a statement credit to pay for travel and dining purchases, such as flights, hotel stays, vacation rentals, baggage fees and restaurants.
What is the intro APR on the Travel Rewards card?
0% for 15 billing cycles on purchases and on balance transfers made within the first 60 days, then 17.49% to 27.49% variable (as of 2026-10-02). Balance transfers cost 3% in the first 60 days and 5% after.
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