Bank of America Travel Rewards Application Everything You Need to Know in 2025
The Bank of America Travel Rewards credit card remains a popular choice for those who want to earn flexible rewards while enjoying no annual fee. For those considering applying for this travel card in 2025, understanding the full scope of benefits, features, and application requirements is essential. In this comprehensive guide, we break down everything you need to know about the Bank of America Travel Rewards application process and why it might be the right fit for frequent travelers.
What Is the Bank of America Travel Rewards Card?
The Bank of America Travel Rewards card is a consumer travel credit card that offers unlimited 1.5 points per dollar spent on all purchases. These points can be redeemed for a wide variety of travel-related expenses, including flights, hotels, rental cars, and more. The card is ideal for travelers who want simplicity, flexibility, and low fees.
With no annual fee and no foreign transaction fees, it appeals especially to casual travelers or individuals just starting to explore the travel rewards landscape. If you’re a Bank of America Preferred Rewards client, your points earnings can increase by 25% to 75%.
Application Requirements and Process
Applying for the card is straightforward and can be completed online or in person. Here’s what to expect:
- Credit Score: A good to excellent credit score (typically 690 or higher) is recommended.
- Income Verification: Applicants may need to submit income documentation depending on their credit history.
- Bank of America Relationship: While not required, having an existing relationship with Bank of America may help in approval.
The online application typically takes less than 10 minutes, with most applicants receiving an instant decision. If approved, your card is mailed within 7 to 10 business days.
Key Features and Benefits
Unlimited 1.5x Points on All Purchases
Unlike cards that limit bonuses to specific categories, this card gives you 1.5 points per dollar on everything no need to track categories.
Flexible Travel Redemption
You can redeem points for a wide range of travel purchases, including flights, hotels, baggage fees, and cruises. You’ll never face blackout dates, and you’re free to choose any airline or hotel chain without restrictions.
Introductory Offers
New cardholders may receive a generous sign-up bonus often around 25,000 points after spending a set amount within the first 90 days. This can be worth $250 or more in travel credit.
No Annual Fee and No Foreign Transaction Fees
Ideal for those who travel internationally or want a no-cost rewards card, the absence of these fees makes it an excellent entry-level choice.
Real-World Use Cases
Booking Business Conferences Internationally
A freelance consultant attending conferences in Europe can book flights and hotels on the card, earning points and avoiding foreign transaction fees. The earned points help offset future travel costs.
Family Vacation Planning
A family planning a vacation can charge all related expenses flights, lodging, rental car to the card. They can then redeem points later for a hotel stay or airline credit.
Remote Worker Travel
Digital nomads use this card to manage ongoing travel expenses while earning consistent rewards. The card’s online tools make tracking and redeeming points easy from anywhere.
Benefits of Using Technology with the Bank of America Travel Rewards Card
Mobile and Online Access
Manage your account, track rewards, and redeem points through the Bank of America mobile app or desktop platform. Set up alerts, monitor transactions, and lock your card remotely.
Integration with Digital Wallets
You can add your card to Apple Pay, Google Pay, or Samsung Pay for seamless and secure transactions on the go.
Fraud Protection
The card comes with advanced security features such as zero liability for fraudulent transactions, real-time alerts, and facial recognition login.
Frequently Asked Questions
Q1: Can I apply for the Bank of America Travel Rewards card without being a Bank of America customer?
Yes. You don’t need to have a Bank of America account to apply for the card, though customers with existing accounts may receive higher rewards through the Preferred Rewards program.
Q2: Do the travel rewards expire?
No. As long as your account is open and in good standing, your points never expire.
Q3: What credit score do I need to apply?
A credit score of 690 or above (good to excellent) is generally recommended to qualify for this card.
