Award System

Cash in Cents

Cash in Cents »

Bank

Bank Of America

Bank Details »

Reconsideration Phone
800.732.9194

Breaking Points

Bonus Points Minimum Spend Point Value Annual Value Annual Fee 1st Year Value
25,000 $1,000 1.0 ¢ $0 $0 $260
Best Value Differentiating Perks Rules
Statement credit toward travel purchases No annual fee and no foreign transaction fees No 5/24
Card Type: Personal

Spend Categories

All Other = »

1.5X points
1.5¢ Per Dollar Spent

Department Stores = »

1.5X points
1.5¢ Per Dollar Spent

Gas Stations = »

1.5X points
1.5¢ Per Dollar Spent

Grocery Stores = »

1.5X points
1.5¢ Per Dollar Spent

Parking = »

1.5X points
1.5¢ Per Dollar Spent

Rideshare and Transit = »

1.5X points
1.5¢ Per Dollar Spent

Wholesale Clubs = »

1.5X points
1.5¢ Per Dollar Spent

Drug Stores = »

1.5X points
1.5¢ Per Dollar Spent

Card Benefits

No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.

Point Transfer Options

Transfer To Spouse/Partner Yes

Transfer To Friends Yes

Travel Partner Transfers

Outside Point System Cash in Cents

Transfers In From
Point Transfer Options
Amex Member Rewards

1:1 71% value retained

Point Transfer Options
Barclay Miles

1:1 100% value retained

Point Transfer Options
Capital One Miles

1:1 91% value retained

Point Transfer Options
Chase Ultimate Rewards

1:1 63% value retained

Point Transfer Options
US Bank Flex Perks

1:1 83% value retained

Point Transfer Options
Wells Fargo Go Far Rewards

1:1 67% value retained

Why You Might Want This Card

Travel Flexibility

The BOA Travel Rewards Credit card is exactly as the name suggests. It’s a card to use for earning and redeeming travel. Basically, it doesn't offer any huge benefits, but it gives you a ton of flexibility in how you redeem your points for travel. Your trip can be a cruise, a sleeper car on a train, or an all-inclusive. You can redeem for plane, car, luggage, really anything travel related. And you can use your points to book, or as a statement credit.

Don't Have to Commit

With no annual fee, no foreign transaction fee and 0% APR for the first 12 billing cycles, there is no pressure for a long-term relationship. But if you decide to keep it around for the long-haul, you’ll keep earning unlimited 1.5 points on every $1 you spend. The sign-up bonus comes swift and easy after only spending $1,000. And if you meet the qualifications to enroll in "preferred rewards," you have the potential to earn up over 2 points for every $1 spent.

Bottom Line

If you are a Bank of America customer, the BOA Travel Rewards Card could be a nice fit for you. For most point collectors, you'll be more invested in the Chase ecosystem, and the very similar Chase Unlimited offers more value.

Application Rules

Card approval not subject to 5-personal-cards-in-24-months rule

Breaking Points

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