Apply for Bank of America Travel Rewards Credit Card Step-by-Step Guide

Imagine exploring the world while earning rewards on every purchase you make. With the Bank of America Travel Rewards Credit Card, this dream can become a reality. Tailored for globetrotters and occasional travelers alike, this card offers unlimited 1.5 points for every dollar spent on all purchases, allowing you to amass points effortlessly wherever you go.

The benefits don’t stop there. As a cardholder, you’ll enjoy no foreign transaction fees, making it an ideal companion for international adventures. Plus, new applicants can seize a generous bonus, earning 25,000 online bonus points after spending $1,000 in the first 90 days. Think of the points as discount passes to your next travel destination, free hotel nights, or exciting experiences.

Ready to embark on your journey with smarter spending? Dive into this step-by-step guide to understand how to apply for this convenient and rewarding credit card.

Benefits of the Bank of America Travel Rewards Credit Card

Unlimited 1.5 Points Per Dollar

The Bank of America Travel Rewards Credit Card offers unlimited 1.5 points for every dollar you spend on all purchases, without any expiration date. This is an excellent opportunity for those who travel frequently or have substantial everyday spending. There’s no need to juggle multiple cards for different categories. For instance, if you spend $1,000 per month, you’ll earn 1,500 points—that’s a solid reward just for maintaining your regular spending habits.

No Annual or Foreign Transaction Fees

This card comes with no annual fee and imposes no foreign transaction fees. This means you can take the card with you when traveling abroad without worrying about extra costs each time you use it to pay in a foreign currency. Planning a trip to Europe? Enjoy the sights and shop freely, knowing your card won’t surprise you with additional fees.

Flexible Travel Redemption Options

Enjoy the convenience of redeeming your points for travel purchases. Points can be used for flights, hotel stays, cruises, rental cars, or even baggage fees, giving you the freedom and flexibility to choose how you travel. This makes it easy to tailor your travel experience to your needs. For example, if you prefer spontaneous weekend trips, you can book last-minute flights without worrying about blackout dates.

Sign-up Bonus

As a new cardholder, you can earn a welcome bonus after qualifying purchases within 90 days of account opening. This starter boost can help accelerate your reward collection. Make sure to plan any large upcoming purchases around this period to easily hit the spending requirement and maximize your initial rewards.

Travel Benefits with Preferred Rewards

If you’re enrolled in the Bank of America Preferred Rewards program, you can earn an additional 25% to 75% rewards bonus on every purchase. This tiered benefit allows you to stretch your points further, especially valuable for frequent travelers. Consider consolidating your banking relationship with Bank of America to qualify for these substantial bonuses.

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Requirements for Bank of America Travel Rewards Credit Card

• Credit Score: Applicants typically need a strong credit score, usually recommended to be above 670, to increase the chances of approval for the Bank of America Travel Rewards Credit Card. A strong credit score assures the bank of your financial responsibility and reliability.
• Employment Information: Providing valid employment details or an acceptable source of income is crucial. This helps the bank understand your ability to manage potential debt.
• Minimum Income: While specific income requirements might not be explicitly stated, having a stable and sufficient income is essential to demonstrate your ability to pay off your credit card balance.
• Residency: You must be a U.S. resident, as this credit card is designed for users within the United States. Ensuring your residency status aligns with the card’s requirements is essential.
• Personal Identification: Be prepared to provide necessary identification documents such as a valid Social Security Number or Individual Taxpayer Identification Number to verify your identity.

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How to Apply for the Bank of America Travel Rewards Credit Card

Step 1: Visit the Bank of America Website

To begin your application, navigate to the Bank of America official website. You can do this by typing https://www.bankofamerica.com in your web browser’s address bar. Once there, hover over the “Credit Cards” menu to find travel credit card options. Look for the “Travel Rewards Credit Card” link and click on it to be directed to the card’s specific webpage.

Step 2: Review Card Details

Before applying, it’s important to understand what the card offers. Carefully read through the features, benefits, and terms associated with the Bank of America Travel Rewards Credit Card. Take note of the annual fee (if any), interest rates, and rewards program. This will ensure that you know exactly what to expect from the card.

Step 3: Start the Application Process

When you’re ready, click on the “Apply Now” button on the Travel Rewards Credit Card page. This will take you to the application form where you’ll need to provide personal information such as your name, address, social security number, and income details. Fill in all required fields accurately to avoid any delays in the processing of your application.

Step 4: Review and Submit Your Application

Once you’ve completed the form, take a moment to double-check all the information you’ve entered. It’s crucial that everything is correct before you proceed. After verifying your details, click the “Submit” button to finalize your application. Bank of America will review your application and contact you with a decision. This process usually doesn’t take long, and you could receive an approval notification within minutes.

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Step 5: Await Your Card’s Arrival

If approved, your new credit card will be mailed to the address you provided in your application. This typically takes a few business days. Once you receive your card, follow the instructions included to activate it so you can start enjoying your travel rewards.

Frequently Asked Questions about the Bank of America Travel Rewards Credit Card

What are the main benefits of the Bank of America Travel Rewards Credit Card?

The Bank of America Travel Rewards Credit Card offers several compelling benefits. One of the biggest advantages is that it provides an unlimited 1.5 points per dollar spent on all purchases, without any category restrictions. Plus, cardholders can reap extra rewards if they bank with Bank of America, thanks to the Preferred Rewards program. Another major perk is the absence of foreign transaction fees, which makes this card an excellent choice for international travelers.

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

No, the Bank of America Travel Rewards Credit Card does not have an annual fee. This means you can enjoy all the benefits of the card, including earning rewards on your everyday purchases and redeeming them for travel expenses, without worrying about a yearly expense associated with managing the card.

How can I redeem points earned with the Bank of America Travel Rewards Credit Card?

Points earned with the Bank of America Travel Rewards Credit Card can be redeemed for a variety of travel-related expenses, including flights, hotel stays, vacation packages, and even baggage fees. The redemption process is flexible, allowing you to be reimbursed for travel expenses with no blackout dates or restrictions. Typically, 2,500 points are equal to a $25 statement credit toward travel purchases.

Is there a sign-up bonus offered with the Bank of America Travel Rewards Credit Card?

Yes, new cardholders may be eligible for a lucrative sign-up bonus. By spending a certain amount within the first 90 days after opening your account, you can earn a substantial amount of reward points. For instance, as of the latest information, you could earn 25,000 online bonus points, which can be redeemed as a $250 statement credit toward travel purchases. Be sure to check the latest offerings when applying to ensure you maximize your rewards.

Linda Carter

Linda Carter is a writer and financial expert specializing in personal finance and financial planning. With extensive experience helping individuals achieve financial stability and make informed decisions, Linda shares her knowledge on the our platform. Her goal is to empower readers with practical advice and strategies for financial success.