Bank of America® Travel Rewards credit card

Overall card rating

102 Reviews
from Credit Karma members

Most Helpful Positive Review

Dec 19 2016
It could be better.
Credit Karma Member

Approved for this card, application took about 60 seconds and I got instant approval. $1,500 CL (which I was pretty less than impressed by [FICO at 731]). The 20,000 point sign-up bonus is a little less than sub-par for gaining actual points with BoA. However, since this card comes with No Foreign Transaction Fees with NO AF and has the worldwide acceptance of being a Visa card, it's really a no-brainer to get for someone who travels out of the country or travels in general very rarely. Card looks a little more impressive in person than it does in the pictures, quite a nice shine to the card. One other downside is the amount of time it took to receive the card in the mail. BoA does not offer credit card numbers after approval so you must wait for the physical card to come in the mail. The website advertises 7-10 business days, which I laughed at and knew wouldn't be true with my history of receiving other cards much quicker than that. However, 10 business days later, this card arrived in the mail. Yes, 10 full business days. Which, depending on the day you're approved in the week could put you at almost 2 full weeks without having your card (which will also count against you spending days that you can contribute to your sign-up bonus since the bonus is given 90 days AFTER ACCOUNT OPEN; that means when you get approved not when you get the card in the mail). The sign-up bonus isn't really a whole lot of spending but I can see how that would be a problem for people to obtain having missed almost two weeks in just receiving the card. TL;DR - Fast approval, baby credit limit, sub-par sign-up bonus, no AF, no FX fees, card takes forever to get in the mail.

Most Helpful Negative Review

Aug 13 2016
Good rewards card
Credit Karma Member

This is a good card from Bank of America. But, beware of the hidden clause it comes with. The bank says you get 90 days to spend $1000, enabling you to get 20000 bonus points. In actual, the bank starts the 90 day count from the say they approve your account. Add 10-15 days for the card to be processed, transit and finally making its way to your mailbox. Thus, in actual they give you somewhere close to 75 days to spend the $1000. This happened to me and I missed on the bonus points with less than $50 difference to make it $1000. I would like everyone to know this and make sure you dont make the same mistake I made. The bank conveniently denies any claims you would make. I feel cheated but the bank does not care. Their responsibilty ends as soon as you open the account. Let this be a wake up call to everyone, please make sure this does not happen to you.

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Mar 10 2020
Credit Karma Member

This is the only CC that I know of which do not charge you for Foreign trancactions. Saving that 3-5% goes a long way.

Jan 11 2020
BOA Travel Rewards
Credit Karma Member

I had this card for over 5 years and used it abroad only. They contacted me and noted because of non-use they were going to close the account the subsequent month. I did not receive notice soon enough so it was closed. It lowered my credit score from 824 to 809. I have the premium checking and savings account with them and they refused to reopen the account unless I reapplied for card. If they did not give me unlimited fee-free ATM use at all non-BOA machines I would end the banking relationship with BOA.

Dec 23 2019
Credit Karma Member

I had a CC with Bank of America since 1998... i moved and my mail caught up to me so i had ONE late month and they lowered my credit power from 25,000 to 200!! After ALL those years of charging huge item balances and payibng them all down. I cancelled this card .... They have ZERO dedication to their good costomers. Oh yeah doing that lowered my credit score by 25 points!!

Oct 05 2019
No Foreign Fees, Hard to Use Points.
Credit Karma Member

The only thing that this card has for itself is no Foreign/International fees. But it's almost impossible to us the points. Cash back is 3/4 of point value. Good gift cards are 4/5. Good luck trying to use the points for travel. There are limited travel options!

Sep 26 2019
Credit Karma Member

I don't recommend it, one of the worst credit card I ever had

Jul 27 2019
Great Card
Credit Karma Member

I have been a BOA customer since 1998 and only owned the original BOA card which had no rewards and therefore I did not use it. Fast forward to about 4 years ago when the Travel Rewards card came out. Because of my relationship with BOA, they gave me a good credit line and the reward points continue to add up. I charge everything on this card just for the points. My experience with customer service on the credit card side has been very good and I have received several credit line increases. When I use the points it is the equivalent on if I have 100,000 points, it comes out to 1,000 dollars. Furthermore, when I went to Ireland with my wife a few years ago, we charged several items and did not have a foreign exchange charge. We have used the card in the Islands with no problems as well. I would suggest to the people who have had difficulty using their cards out of town, you should set a travel notice with the bank. You can do it through the BOA website or call them directly. Just tell them where you are going and they will assist. I recommend this card

Jul 11 2019
Not the best
Credit Karma Member

I had been a bank if America customer for 19 years and the minute something happened that could have been solved Bank of America turned their back on me and cancelled ALL my cards that i have earned through my good credit score and they refused to negotiate any terms! I have always been told that they have bad customer service but i was loyal ! Now i inow better

Apr 19 2019
Autopay setup is horrible.
Credit Karma Member

You cannot set up autopay before the first statement. Autopay can only be set up as ebill payments. This is true for all boa credit cards. That time you may forget to set up.

Apr 08 2019
Credit Karma Member

I love this credit card. I love earning points for every purchase I do and I love getting money back for the trips I have done. It's also great to know that I can get the money back from the points I have. Overall, this credit card is perfect for me.

Mar 11 2019
I will never apply with BofA again
Credit Karma Member

843 FICO, $112,000 annual salary, perfect 15 years of credit history, 2 other BofA credit cards, pre-selected letter and I was declined, twice, after submitting a bunch of additional documents. Other than the $250 bonus, it's less than mediocre card. I won't be applying for the any BofA cards again, not worth the inquiry.

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Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

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