BankAmericard Travel Rewards® credit card, provided by Bank of America (BAC), is a travel rewards card for US residents who want to earn points on their spending while enjoying a low introductory APR on purchases. For a card with no annual fee, I'm pleased to say that this Visa (V) card ranks as one of the top cards in the US market for those of you who travel often and who make frequent purchases through the Bank of America Travel Center as you will earn additional points on qualifying purchases you make there.

Here I've done a detailed review of the rewards BankAmericard Travel Rewards® credit card offers, as well as what you should watch out for if you apply for this card.

Things We Like About This Card

No annual fee. Pay $0 annual fee with this card to enjoy its benefits.

Earn 20,000 online bonus points after spending at least $1,000 on purchases. You will earn these 20,000 points if you make at least $1,000 in purchases with your card within the first 90 days of account opening. These bonus points can be a $200 statement credit towards your travel purchases, and are only for new cardmembers. Spending at least $1,000 during the first 90 days shouldn't be a problem as you'll only have to spend less than $334 in each of the first 3 billing cycles to get these bonus points.

Earn unlimited 1.5 points for each $1 you spend on your purchases with this card.

Enjoy 0% introductory APR on purchases for the first 12 billing cycles. After this introductory period, you'll have a 14.99% - 22.99% variable APR, depending on your creditworthiness. I recommend that you pay off your balance within this introductory period if you want to avoid paying interest.

Earn an additional 10% customer points bonus on every purchase when you have a qualifying active Bank of America® checking or savings account. You can increase that bonus to 25%-75% by being a Preferred Rewards client.

Rewards begin at 2,500 points. There is a wide variety of things you can redeem your points for, such as cash rewards, travel credit or gift cards. Should you want to redeem for a travel credit, it will be shown as a statement credit to deduct from your qualifying travel purchases (including travel purchases such as airfare, accommodation, baggage fees, car rentals etc). You may redeem any number of points as long as you have a minimum of 2,500 points. Book your travel as you normally would and then call or go online to redeem your points for a statement credit for part or all of your travel purchases. There are no blackout dates or restrictions when booking your trip with this card.

No limit to the total number of points you can earn, and points don't expire. Points are useful to you regardless of when you feel like using them and how long you decide to accumulate them before their redemption.

No foreign transaction fees. When making purchases in a different currency or in a different country, you won't be charged any foreign transaction fees, which many other credit cards will charge.

Chip technology. Your card includes chip technology so that you get added security at chip-enabled merchant terminals, and also ease of use when you use your card internationally.

Our Least Favorite Things About This Card

No 0% intro APR on balance transfers. This card has a 14.99% - 22.99% variable APR on balance transfers, so if you are looking to transfer an existing card balance onto a new card that has 0% intro APR on balance transfers for a certain period of time, you should consider BankAmericard Cash Rewards™ credit card (read our review of BankAmericard Cash Rewards™ credit card here) that offers 0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then 12.99% - 22.99% variable APR. See Terms.

  • Our Verdict:
  • 4.50/5 Stars

BankAmericard Travel Rewards® credit card is an excellent credit card for you if you like to travel and want to earn 1.5 points (unlimited) per dollar you spend on purchases. The 0% introductory APR on purchases for the first 12 billing cycles (14.99% - 22.99% variable APR thereafter) is also a big plus if you plan on making a big purchase within the first few billing cycles of your card membership.

One of the most attractive features about BankAmericard Travel Rewards® credit card is its offer that lets you earn 20,000 online bonus points that can be $200 in statement credit towards travel purchases – after making at least $1,000 in purchases within the first 90 days of account opening without having to pay any annual fee. See Terms.