Overview
If you’re a cost-conscious traveler, Financial institution of America® Journey Rewards bank card is the best no-fee journey card for you. It is a rewards bank card tailor-made for customers who journey once in a while. With no annual payment, no international transaction charges or expiration on factors, you can conveniently rack up reward factors at your personal tempo.
- Earn limitless 1.5 factors per $1 spent on all purchases, with no annual payment and no international transaction charges and your factors do not expire.
- 25,000 on-line bonus factors after you make not less than $1,000 in purchases within the first 90 days of account opening – that may be a $250 assertion credit score towards journey purchases.
- Use your card to e-book your journey how and the place you need – you are not restricted to particular web sites with blackout dates or restrictions.
- Redeem factors for an announcement credit score to pay for journey or eating purchases, akin to flights, resort stays, automobile and trip leases, baggage charges, and in addition at eating places together with takeout.
- 0% Introductory APR for 15 billing cycles for purchases, and for any stability transfers made within the first 60 days. After the intro APR provide ends, 18.24% – 28.24% Variable APR will apply. A 3% payment applies to all stability transfers.
- In the event you’re a Most well-liked Rewards member, you may earn 25%-75% extra factors on each buy. Which means as a substitute of incomes a limiteless 1.5 factors for each $1, you can earn 1.87-2.62 factors for each $1 you spend on purchases.
- Contactless Playing cards – The safety of a chip card, with the comfort of a faucet.
- This on-line solely provide might not be accessible in the event you go away this web page or in the event you go to a Financial institution of America monetary middle. You’ll be able to benefit from this provide if you apply now.
- Intro APR
- 0% on Purchases and qualifying Steadiness Transfers
- Intro APR Interval
- 15 billing cycles
- Common APR
- 18.24% – 28.24% Variable APR on purchases and stability transfers
- Annual Price
- $0
Card Advantages
Signal-up bonus
In the event you spend not less than $1,000 with the cardboard inside your first 90 days of changing into a card member, you obtain a bonus of 25,000 factors. It normally takes about 8 to 12 weeks from qualifying for the 25,000 bonus factors to submit to your rewards stability. These bonus factors will be value a $250 journey assertion credit score. For a card with no annual payment, it is a very precious join bonus that’s equal to 25% rewards in your first $1,000 purchases within the first 90 days.
Earn rewards factors
You earn limitless 1.5 base rewards factors for each greenback you spend with the bank card. You too can obtain extra rewards bonus if you e-book journey via Financial institution of America’s Journey Middle, which is powered by the favored Expedia journey reserving platform.. You earn 3 factors (consisting of 1.5 bonus factors and 1.5 base factors) for each $1 in internet purchases, excluding insurance coverage purchases, made via the Journey Middle, with no restrict on the variety of bonus factors you may earn.
If you’re a Financial institution of America Most well-liked Rewards buyer, you will get a 25%, 50% to 75% rewards bonus on the baseline rewards, relying in your eligible tier. There are 3 tiers within the Most well-liked Rewards program: Gold, Platinum and Platinum Honors. Your tier is predicated in your qualifying mixed balances in your Financial institution of America® banking and/or Merrill funding accounts. Your Most well-liked Rewards standing may also help you earn as much as 2.625 factors per greenback in your purchases. For instance, in the event you earn $100 in base rewards, your Most well-liked Rewards bonus will add $25, $50 or $75 to your reward earnings, totaling $125, $150 or $175. The next chart reveals the minimal stability qualification requirement and rewards for Gold, Platinum, Platinum Honors tiers of Most well-liked Rewards.
| Most well-liked Rewards Tier | Rewards Bonus | Rewards Factors for the Tier |
|---|---|---|
| Gold – $20,000 in mixed stability of qualifying accounts | 25% | 1.875 factors for each greenback spent on all purchases |
| Platinum – $50,000 in mixed stability of qualifying accounts | 50% | 2.25 factors for each greenback spent on all purchases |
| Platinum Honors – $100,000 in mixed stability of qualifying accounts | 75% | 2.625 factors for each greenback spent on all purchases |
Notice: When your balances improve to qualify you for the following rewards tier, you may be moved up routinely. And when you attain a rewards tier, you’ll hold your program advantages for a full 12 months.
Tips on how to redeem factors
You’ll be able to redeem factors for a journey credit score or money reward beginning at 2,500 factors, or for present playing cards beginning at 3,125 factors. Your rewards factors will be redeemed for a journey credit score that’s utilized as an announcement credit score to your account to offset journey purchases from qualifying retailers within the following travel-related classes: airways, resorts, motels, timeshares, trailer parks, motor house and leisure automobile leases, campgrounds, automobile rental businesses, truck and trailer rental, cruise traces, journey businesses, tour operators and actual property brokers, operators of passenger trains, buses, taxis, limousines, ferries, boat leases, parking heaps and garages, tolls and bridge charges, vacationer sights and displays like artwork galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Qualifying journey purchases are eligible for a journey credit score for 12 months from the posting date. Every level redeemed for a journey credit score is value $0.01 (2,500 factors = $25).
Free Museum Admission
As a Financial institution of America bank card member, you should have a novel perk of free admission to over 200 museums on the primary full weekend of each month. Financial institution of America has been operating a program of Museums on Us for over twenty years, which presents its clients free admission to greater than 200 museums on the primary weekend every month. You’ll be able to current your Financial institution of America Journey Rewards Credit score Card together with a photograph ID to realize one free normal admission to any of 200+ museum individuals of the particular Museums on Us program.
Charges
There isn’t any annual payment and no international transaction charges, making the Financial institution of America® Journey Rewards bank card particularly splendid for many who journey outdoors of the U.S. You too can use the cardboard as little or as a lot as you want, with out worrying about incomes sufficient to cowl an annual payment.
Introductory 0% APR
This journey bank card additionally presents 0% introductory APR on purchases for a interval of 15 billing cycles. After the intro interval ends, the go-to fee of 18.24% – 28.24% variable applies. You need to use the bank card for purchases and carry a stability for an prolonged interval with out incurring curiosity value.
Is that this the best card for you?
In the event you worth simplicity and like hassle-free journey bank cards, the Financial institution of America® Journey Rewards bank card is the best card for you. It’s the most effective journey bank cards with no international transaction charges and no annual payment on the market. It presents a strong 1.5% again on all purchases made, which lets you earn journey rewards with out the constraints of particular buying classes. Moreover, in the event you already financial institution with Financial institution of America or plan to sooner or later, you may benefit from the additional factors bonus, which can improve your rewards to 2.625% on every buy. In the event you store steadily, you may rack up sufficient factors to make use of as journey credit score, leading to a significantly-sized financial savings in your subsequent journey.
Related Credit score Playing cards
If you’re within the Financial institution of America® Journey Rewards bank card, you may additionally contemplate a couple of different bank cards with related advantages.
| Credit score Card | Bonus and Rewards | Annual Price | |
|---|---|---|---|
| Wells Fargo Autograph℠ Card |
|
$0 charges & charges |
|
| Citi Premier® Card |
|
$95 | |
| Citi Customized Money℠ Card |
|
$0 | |
| Financial institution of America® Premium Rewards® bank card |
|
$95 | |
| Financial institution of America® Custom-made Money Rewards bank card |
|
$0 | |
| Wells Fargo Lively Money® Card |
|
$0 charges & charges |
|
| Financial institution of America® Limitless Money Rewards bank card |
|
$0 | |
| Chase Sapphire Most well-liked® Card |
|
$95 | |
| Capital One Enterprise Rewards Credit score Card |
|
$95 (charges) |
|
| The American Specific Blue Enterprise Money™ Card | 2% money again on all eligible purchases on as much as $50,000 per calendar yr, then 1%. Money again earned is routinely credited to your assertion. | $0 (charges) |
|
| Capital One Quicksilver Money Rewards Credit score Card |
|
$0 (charges) |
|
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