Bank of America® Travel Rewards Credit Card - Apply Today (2024)

FAQs

Is it hard to get a Bank of America travel card? ›

The Bank of America® Travel Rewards credit card is hard to get because it requires excellent credit for approval, which means you need a credit score of 750+ to have good odds of being approved. This requirement may be difficult for the average American to meet.

Requires Excellent Credit

The Bank of America Travel Rewards credit card would be much more appealing if more people could get it. Instead, you need a credit score of 750 or higher to have a good chance of being approved.

25,000 online bonus points offer (a $250 value) and no annual fee.

The minimum Bank of America Travel Rewards credit limit is $500.

The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.

The Bank of America Travel Rewards credit card minimum payment is $35 or 1% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $35, the Bank of America Travel Rewards credit card minimum payment will be equal to the balance.

Bank of America primarily uses Experian reporting data, though it pulls Transunion reports in some states.

Get Credit and Finance help Even if you have Bad…

Building credit is a crucial step in securing your financial future, and Bank of America offers options for those with bad credit.

You need a credit score of 700 or higher to get most U.S. Bank credit cards, but the actual credit score requirements vary by card. One of the easiest U.S. Bank credit cards to get is the U.S. Bank Secured Visa® Card, which accepts applicants with bad credit and has a $0 annual fee.

Yes, Bank of America does offer travel insurance. The most common Bank of America travel insurance benefits are travel and emergency assistance services and trip cancellation insurance. Some Bank of America credit cards also offer emergency evacuation and transportation and trip delay reimbursem*nt coverage.

Do Bank of America travel points expire? ›

There is no expiration date on your Points, as long as your account remains in good standing. travel purchases. You can visit the Site or call Us to redeem Points for a travel statement credit (issued in U.S. dollars) to offset qualifying travel purchases. Eligible travel purchases can be found on the Site.

Bank of America Transfer Partners

Unlike many other banks, there are no airline or hotel transfer partners as part of the Bank of America Preferred Rewards program. This means that all of the rewards that you earn will only be redeemable for cash rewards.

Bank of America^® Premium Rewards^® credit card. Get up to $200 in combined Airline Incidental and TSA PreCheck^®/Global Entry Statement Credits.

Credit experts advise against closing credit cards, even when you're not using them, for good reason. “Canceling a credit card has the potential to reduce your score, not increase it,” says Beverly Harzog, credit card expert and consumer finance analyst for U.S. News & World Report.

The average fare for a flight in the first half of 2021 was $221, according to the Bureau of Labor Statistics, which would require 22,100 Bank of America rewards points. You don%t have to pay for the entire ticket with points, though. You can redeem for any amount above the $25 threshold.

It can be pretty hard to get a travel credit card because most require a good to excellent credit score of 700+ for approval.

As long as you meet the credit score requirement and a few other requirements, it's not hard to get a Bank of America credit card. As with all credit cards, you'll need to have a steady income and be at least 18 years old. You'll also need to have an SSN or ITIN.

The Bank of America® Travel Rewards credit card is an excellent option for frequent travelers who want flexible rewards but just can't bring themselves to pay an annual fee for a credit card. Cardholders earn an unlimited 1.5 points per dollar spent on all purchases.

One of the easiest U.S. Bank credit cards you can get is the U.S. Bank Cash+® Visa® Secured Card. This card is available to applicants with bad credit, has a $0 annual fee and requires a minimum deposit of $300 to open the account. The deposit will serve as your credit limit.