People who like to be always traveling to discover new places, for leisure or for work, can benefit from Bank of America Travel. That’s because it offers nice flat rate rewards on all your purchases and not just your travel expenses.
Another positive point is that this credit card is not linked to any specific airline or hotels, which means that you can book your trips and enjoy the benefits with any provider, receiving a specific credit on your bank statement.
Bank Of America credit cards generally have broad travel settings when compared to other cards. That way, you’re able to get credits for purchases at campgrounds, zoos, art galleries, and many more cool programs.
Another option, if you’ve made your travel plan beforehand, is to redeem your points for a credit toward your dinner bill.
Bank America Travel Benefits
Bank of America Travel is especially suitable for consumers who want a card with no annual fee and offer bonus rewards once they reach the minimum balance in their bank accounts. The 25,000 point sign-up bonus is a big plus for users.
BANK OF AMERICA
NO ANNUAL FEE VISA SIGNATURE BENEFITSThe requirements to acquire the bonus is also very low. You only need to have made at least $1,000 worth of qualifying purchases within the first 90 days of opening your account. The bonus offered by Bank Of America Travel is one of the biggest.
The credit card still offers its loyal customers Bank of America products, earning 25% to 75% bonus points through the Preferred Rewards program.
The program works through the following levels:
- Gold Preferred Rewards: Earn a 25% point bonus.
- Platinum Preferred Rewards: Get a 50% bonus.
- Platinum Honors Preferred Rewards: Earn a 75% bonus.
Other benefits worth mentioning
BankAmeriDeals
All Bank of America cardholders have exclusive access to BankAmeriDeals. While you may not be able to raise a lot of money with it, you can log into your account and earn an additional 5% to 15% cashback, until you reach the limit.
In addition, you can activate the offer at selected restaurants and other businesses. So you can get updated offers for a limited time.
Visa Signature Benefits
The Bank of America Travel credit card also grants you access to a portfolio of Visa Signature benefits that can be of great use during your travels. If you want to find out what features are available on your credit card, contact your issuing agency to find out more.
The standard benefits offered are:
- Purchase protection.
- Extended Warranty Coverage.
- Visa Signature Concierge Services.
- Roadside Dispatch.
- Lost Baggage Refund.
- Travel and emergency assistance.
Global Acceptance and Security
ravel with confidence knowing that the Bank of America Travel Rewards Credit Card is accepted worldwide and offers robust security features. Whether you’re exploring a bustling metropolis or relaxing on a remote beach, you can use your card with peace of mind, knowing that your transactions are protected against unauthorized charges. Plus, enjoy added security benefits such as chip technology and fraud monitoring, ensuring your financial information remains safe and secure.
Bank America Travel Fees
As stated earlier, the absence of annual fees is one of the main advantages of Bank of America Travel. There are also no overseas transaction fees, which is great for anyone planning a trip out of the country.
Plus, it has a 0% introductory APR for purchases over 15 billing cycles, which is great for funding higher-value purchases. After the period, the APR returns to normal, ranging from 13.99% to 23.99%.
Bank of America charges a balance transfer fee of $10 or 3%, whichever is greater. If you do not pay your balances on time, you will be charged a late fee of up to $40 and a return postage fee of up to $29.
Eligibility Requirements
Before applying for the Bank of America Travel Rewards Credit Card, it’s important to ensure that you meet the eligibility criteria. Here are the main requirements:
- Age and Residency: You must be at least 18 years old and a U.S. resident to apply.
- Credit Score: A good to excellent credit score (typically 670 or higher) is recommended for approval. The Bank of America Travel Rewards Card is designed for individuals with solid credit histories.
- Social Security Number: A valid Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) is required for identity verification and a credit check.
- Income: You will need to provide proof of steady income, which is used to assess your ability to manage credit and make timely payments.
- Existing Bank of America Accounts (Optional): While not mandatory, having an existing relationship with Bank of America (such as a checking or savings account) may increase your chances of approval or offer additional benefits through their Preferred Rewards program.
Meeting these prerequisites will increase your likelihood of approval when applying for the Bank of America Travel Rewards Credit Card.
Step-by-Step Guide to Apply for the Bank of America Travel Credit Card
Once you’ve ensured that you meet the eligibility requirements, you can proceed with the application process for the Bank of America Travel Rewards Credit Card. Follow these steps to apply:
- Visit the Official Bank of America Website
Navigate to the Bank of America Travel Rewards Credit Card page. Click on the “Apply Now” button to start your application. - Fill Out the Application Form
Provide all the required personal and financial information, including:- Full name, date of birth, and Social Security number.
- Residential address and contact details.
- Employment and income information, such as annual income and housing costs.
- Review Terms and Conditions
Before submitting your application, carefully review the card’s terms and conditions, including interest rates, fees, and rewards program details. This will help you understand the card’s features and ensure it aligns with your needs. - Submit Your Application
After filling out all the required fields and reviewing your information, click “Submit.” Bank of America will then review your application, perform a credit check, and notify you of your approval status. - Receive Your Card
If approved, your Bank of America Travel Rewards Credit Card will arrive by mail within 7-10 business days. Once you receive your card, activate it by following the instructions provided.
Conclusion
Applying for the Bank of America Travel Rewards Credit Card is straightforward if you meet the eligibility requirements. Follow the outlined steps to apply and start earning unlimited 1.5 points for every dollar spent on purchases, with no annual fee. Ready to apply? Visit the Bank of America website today!
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