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74

Bank of America Travel Rewards

Bank Of America, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
17.49–28.24%
Annual fee
None
0% intro
15 mo
0% transfer
15 mo
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
24.49%
≤619
25.74%
620–719
25.74%
720+
21.74%
Lowest offered17.49%
Median22.24%
Highest offered28.24%

Introductory purchase APR

Promotional window: 15 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 15 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered27.74%
Median28.74%
Highest offered29.24%

Every fee on this card

Annual feeNone
Balance transfer fee4%
Cash advance fee5%
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Monthly Custom Pay Plan Fee$0

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Earn 1.5 points on purchases; eligible for Bank of America Preferred Rewards®

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-932-2775
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$550

Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 22.24% afterwards.

Cost to carry a balance
Interest for a year at 22.24%$667.20
Annual / periodic fees$0
Total yearly cost$667.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

32 documents filed by Bank Of America, National Association in the 2026 Q1 archive.

All 32 agreements

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