Our illustration in the card’s colours, not its design
Bank of America credit card
Bank of America® Travel Rewards Credit Card
- APR down · 18.24% to 17.74% · Oct 4, 2026
No annual fee. 25,000 points welcome bonus. Purchase APR 17.74–27.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · bankofamerica.com
“25,000 online bonus points offer”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · bankofamerica.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · bankofamerica.com
“17.74% - 27.74%”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB
“No annual fee † and no foreign transaction fees †”
Select an underlined figure to see where it comes from.
Bank of America’s terms
Welcome offer
25,000 points
At least $1,000 in purchases
25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening; points can be redeemed for a $250 statement credit toward travel and dining purchases.
- Larger than about 50% of the 44 other points bonuses we track.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $260 | $110 | |
| Typical spender | $420 | $270 | |
| Heavy spender | $745 | $595 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at 0.6¢, the program's cash rewards (1¢ only as a credit toward travel) value.
$110a year
$260 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at 0.6¢, the program's cash rewards (1¢ only as a credit toward travel) value.
$270a year
$420 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at 0.6¢, the program's cash rewards (1¢ only as a credit toward travel) value.
$595a year
$745 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at 0.6¢, the program's cash rewards (1¢ only as a credit toward travel) value.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 65% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$485 a year
- CareCredit MastercardSynchrony · No annual fee+$440 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$425 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
BofA Rewards™
How you earn
- 1.5×
- Everything else
Points per dollar.
Changes
- Oct 4, 2026 APR 18.24% to 17.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com “17.74% - 27.74%” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com “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.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · bankofamerica.com “5% of the amount of each transaction.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Issuer's page · bankofamerica.com “Up to 29.99% , based on your creditworthiness.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · bankofamerica.com “Up to $41 .” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB “No annual fee † and no foreign transaction fees †” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · bankofamerica.com “Your due date is at least 25 days after the close of each billing cycle.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · bankofamerica.com, since Oct 8, 2026
- Does it charge a foreign transaction fee?
- No. · Reported to the CFPB, since Oct 4, 2026
- What is the purchase APR?
- 17.74–27.74% APR · bankofamerica.com, since Oct 4, 2026
- Is there an intro APR?
- 0% for First 15 Statement Closing Dates following the opening of your account. · bankofamerica.com, since Oct 4, 2026
- Is there a welcome bonus?
- 25,000 points after $1,000 in purchases. · bankofamerica.com, since Nov 1, 2026