How to apply for the Bank of America Travel Rewards Card: requirements and steps

Made for those who need credit and prefer tradition

By Luzia Martins updated in 09/24/2026

The Bank of America® Travel Rewards credit card is a no-annual-fee card that earns 1.5 points per dollar on every purchase, redeemable as a statement credit for travel and dining. This guide covers who the card suits, who can apply, how the application works and what to do after you’re approved.

The card at a glance

Annual fee: $0
Rewards: 1.5 points per dollar on all purchases, with no limit
Welcome bonus: 25,000 online bonus points after $1,000 in purchases in the first 90 days, worth a $250 statement credit toward travel and dining
Intro APR: 0% for 15 billing cycles on purchases and on balance transfers made within 60 days
Standard APR: 17.49% to 27.49% variable
Foreign transaction fee: none

Terms checked in September 2026. Bank of America notes that all terms may change, so confirm the current rates, fees and offer on its official website before you apply.

Who the card is for

The card suits people who want simple rewards for travel and dining without tracking categories or paying an annual fee. Because you earn the same rate on every purchase and the card has no foreign transaction fees, it works both at home and abroad.

It isn’t a premium travel card. There’s no airport lounge access and no transfers to airline or hotel programs, and you get the most value when you use your points for travel and dining credits.

Who can apply

To apply, you must be at least 18 years old, or at least 21 if you’re a permanent resident of Puerto Rico, and have a residential address in the 50 U.S. states, Washington, D.C., or a U.S. territory, including APO/FPO/DPO addresses. Approval is subject to Bank of America’s credit review, and the bank doesn’t publish a minimum credit score.

Before you submit a full application, you can check whether you prequalify on Bank of America’s website.

Information you’ll need to apply

Full legal name and date of birth
Home address
Social Security number
Income and employment information

Bank of America may ask for additional documents if it needs to verify your identity or income.

How to apply for the Bank of America® Travel Rewards card

Go to the card’s page on Bank of America’s official website. Apply online if you want the online bonus offer.
Fill in your personal and financial information and review the rates, fees and terms.
Submit the application. In many cases you get a response within about a minute: approved, approved for a different card, more time needed to review, or declined.
If you’re approved, the card is mailed to you.

You can also apply by phone at 800.932.2775 or schedule an appointment to apply in person at a Bank of America financial center. Submitting an application usually results in a hard inquiry on your credit report.

After you’re approved

The card usually arrives within about 10 business days. You can activate it in the Mobile Banking app under Card Management, on Bank of America’s card activation page, or by calling the number on the back of the card.

Once your account is open, you can set up email or text alerts for balances and due dates, add the card to Apple Pay®, Google Pay™ or Samsung Pay, and redeem points as a statement credit for travel and dining purchases. If you’re a Bank of America customer, check whether you’re eligible for the BofA Rewards™ program, which can add a bonus to the rewards you earn with the card.

Frequently asked questions

Do my points expire?

No, as long as your account stays open.

What can I use my points for?

You redeem points as a statement credit toward travel and dining purchases made with the card, such as flights, hotel stays, vacation rentals, baggage fees and restaurants, including takeout. You can book wherever you want, with no blackout dates.

Is there a fee for balance transfers?

Yes. Balance transfers made in the first 60 days have a 3% fee. After that, the fee is 5%.

Can I get a cash advance?

Yes, at an ATM with your card and PIN, but cash advances come with fees and interest that usually start right away. Check the card’s terms for the current cash advance APR and fee before using this option.

How are my payments applied?

Bank of America applies minimum payments to lower-interest balances first and any additional payments to higher-interest balances first. Paying more than the minimum is what reduces the balances that are accruing the most interest.

How to contact Bank of America

Apply by phone: 800.932.2775
Credit card customer service: 800.732.9194
Card activation: 800.276.9939

You can also use the live chat on Bank of America’s website, the Mobile Banking app or the number on the back of your card.

Our take on the Bank of America® Travel Rewards card

The Bank of America® Travel Rewards card is a straightforward option for earning travel and dining credits with no annual fee and no foreign transaction fees. It’s best for people who pay their balance in full and don’t need premium travel perks. If you carry a balance after the intro period, the standard APR will outweigh the 1.5 points you earn per dollar.

The button below takes you to Bank of America’s official website, where you can review the card and apply.

GO TO OFFICIAL WEBSITE

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