Bank of America travel rewards guide

Bank of America’s travel rewards program isn’t as lucrative or extensive as what rivals like American Express or Chase offer, but you may find value in its simplicity, particularly if you are a BofA Rewards client.

If you’ve got one or more Bank of America credit card that allows you to earn and redeem rewards for travel, or are interested in applying for one, here are the basics of the bank’s travel program, including how to earn and redeem travel rewards.

Bank of America travel rewards basics

Compared to other issuers, Bank of America has a smaller portfolio of travel credit cards. However, there are some similarities in how you earn and redeem travel rewards with these cards.

With each card, and in fact with any Bank of America credit card, you also gain access to the BofA Travel, where you can search for travel deals and pay with cash or rewards. The site operates much like a travel search engine, similar to Expedia or Orbitz.

Bank of America credit card and debit card holders have access to a variety of partner offers and deals, but the travel rewards program still lacks travel transfer partners, which is where many travel rewards aficionados look for the best value.

However, being a member of BofA Rewards program could increase the value of the rewards you earn by 10% to 75%, making Bank of America’s somewhat limited travel rewards program more valuable.

How to earn Bank of America travel rewards points

The only thing you need to do to earn rewards is use your Bank of America card for eligible purchases — you don’t need to keep track of rotating bonus categories or activate offers in your Bank of America account to earn rewards. For some of the travel cards, you’ll earn more rewards in travel and dining categories, but there’s no need to track or apply for your rewards.

Bank of America’s travel and dining categories are often more extensive than those of many travel rewards cards, so you’ll be able to redeem your points for statement credit for everything from flights to zoo tickets.

How to redeem Bank of America travel rewards points

You can redeem rewards for a statement credit to cover eligible travel purchases (or dining purchases with the Bank of America® Travel Rewards credit card). Other redemption options include: 

• Cash back as a check
• Cash back as a direct deposit into an eligible Bank of America checking or savings account or a Merrill Cash Management Account
• Gift cards

Travel credits and cash rewards redemptions require a minimum of 2,500 points and gift cards require at least 3,125 points to redeem.

How much are Bank of America travel rewards points worth?

The value of Bank of America travel rewards points varies depending on how they’re redeemed. Here’s a breakdown of those options:

Redeeming points as cash back or gift cards typically gets the least amount of value for your points, but this isn’t unique to Bank of America — many issuers make it so that redeeming points for cash back or gift cards is worth less than travel. 

Since there isn’t an opportunity to boost value with transfer partners, the best value you can aim for is 1 cent per point. While it isn’t a top redemption value, the tradeoff is the flexibility and simplicity it offers.

Who are Bank of America travel cards best for?

This travel rewards program is best if you want simplicity and flexibility in earning and redeeming travel rewards. Plus, if you’re a BofA Rewards program member, you’ll get much more value than other cardholders. This program gives you access to banking services discounts and rewards-earning boosts and membership is based on the combined balance of qualifying Bank of America or Merrill Investment accounts.

Here’s a look at the five tiers offered through the BofA Rewards program:

Bank of America travel credit cards

Bank of America has a handful of cards that offer ongoing rewards and travel-focused perks. Here are the cards currently on the market:

Bank of America® Travel Rewards credit card

• Card details

  • Rewards rate: 1.5X points per $1 spent on everyday purchases, 3X points total on travel bookings through the BofA Travel
  • Welcome bonus: 25,000 online bonus points when you make $1,000 in purchases within 90 days of opening the account (worth $250 toward travel purchases)
  • Annual fee: $0
  • Additional perks: No foreign transaction fees; long intro APR offer on purchases and balance transfers; Visa Signature benefits

• Bankrate’s view

  The Bank of America® Travel Rewards credit card is an entry-level travel credit card that allows you to earn basic travel rewards without paying an annual fee. Its rewards rate is straightforward: simply swipe and earn 1.5X points on everyday purchases, with no limit. There’s no need to track spending categories or activate any special offers on your account to receive your rewards. You can also earn 3X points total (1.5X points plus a bonus 1.5X points) on travel bookings and other purchases through BofA Travel (except for insurance).

  If you’re in the market to pay off existing credit card debt or fund an upcoming purchase, this card can be a good option thanks to its intro APR for any balance transfers made in the first 60 days (includes a fee of 3% for 60 days from account opening, then 5%). Following this period, a 17.49% – 27.49% Variable APR on purchases and balance transfers will apply.

Bank of America® Premium Rewards® credit card

• Card details

  • Rewards rate: 2X points on travel and dining purchases; 1.5X points on other purchases
  • Welcome bonus: 60,000 online bonus points when you make $4,000 in purchases within 90 days of account opening
  • Annual fee: $95
  • Additional perks: $100 incidental airline credit; up to $100 in credits toward your Global Entry or TSA PreCheck application fee; Visa Signature Luxury Hotel Collection perks; no foreign transaction fees

• Bankrate’s view

  The Bank of America® Premium Rewards® credit card is a well-rounded travel card that offers solid value without overwhelming you with complexity. You’ll earn elevated rewards on travel and dining, plus a flat rate on everything else — ideal for people who want flexible rewards without tracking bonus categories.

  Its generous welcome offer is a major draw, especially if you have a big trip or purchase coming up. And the card’s annual credits — including $100 toward airline incidentals and up to $100 for Global Entry or TSA PreCheck — help offset the annual fee with ease.

  For frequent travelers, Visa Signature hotel perks like room upgrades and late checkout can make your stays more comfortable without extra effort. Altogether, it’s a straightforward option that combines value, ease of use, and travel-friendly benefits in a single package.

Bank of America® Travel Rewards credit card for Students

• Card details

  • Rewards rate: 1.5X points per $1 spent on everyday purchases
  • Welcome bonus: 25,000 online bonus points after spending $1,000 in purchases within your first 90 days
  • Annual fee: $0
  • Additional perks: No foreign transaction fees; zero-interest offer on purchases

• Bankrate’s view

  Although its features and benefits are minimal, the Bank of America® Travel Rewards credit card for Students can be a good entry-level card for students with no credit history. You’ll get a flat rate of points on all purchases, plus the ability to redeem rewards for a statement credit on qualifying travel purchases.

  There’s also a 0% intro APR offer for 15 billing cycles on balance transfers made in the first 60 days, followed by a 17.49% – 27.49% Variable APR on purchases and balance transfers thereafter. A 3% for 60 days from account opening, then 5% fee applies.  This offer can help students who have a large purchase on the horizon — think textbooks or dorm supplies — or some existing debt that they’d like to pay off over time.

The bottom line

Bank of America’s travel rewards program isn’t as extensive as those of some other major issuers. However, if your primary goal with travel rewards is simplicity and flexibility, rather than maximizing redemption value, Bank of America’s travel rewards program can deliver.

That said, if you’re at least a semi-frequent traveler, you’ll likely find better value from travel credit cards with rewards programs like Chase Ultimate Rewards or American Express Membership Rewards.

Frequently asked questions about Bank of America travel rewards

• Do Bank of America travel rewards expire?

  As long as your account is active and in good standing, your rewards don’t expire.

• Can I share Bank of America points with friends and family members?

  No, you cannot transfer points to another person. You may be able to transfer rewards from one of your Bank of America accounts to another. You must call customer service to see if your account qualifies.

• Can you buy Bank of America Travel rewards points?

  No, you cannot buy Bank of America Travel rewards points.

*The information about the Bank of America® Premium Rewards® Elite credit card has been collected independently by Bankrate.com. Card details have not been reviewed or approved by the issuer.

The Bank of America content in this post was last updated on August 3, 2026.