Pros / It's one of three travel rewards cards in our review that has no annual fee.

Cons / There aren't many travel benefits with this card. It lacks priority boarding and free bag check.

 Verdict / The BankAmericard Travel Rewards® card lacks many items frequent travelers like to see included in an air miles card.

The BankAmericard Travel Rewards® is an air miles credit card that uses a points system. You earn 1.5 points for every dollar you spend, which you can then redeem for a number of different travel rewards, including air miles rewards.

Although this air miles credit card falls short on travel benefits, it does include concierge services and annual bonus points for qualifying members. Like the other frequent flyer credit cards we reviewed, you won’t have to worry about running into blackout dates when using your points to book travel. Additionally, this air miles rewards card offers new card members an average sign-up offer. If you spend $500 in the first 90 days of having the card, Bank of America gives you 10,000 bonus flight miles.

This air miles card’s key features get a little tricky. Bank of America doesn’t automatically include many common features like roadside assistance or extended product warranty, only offering these to card members depending on account approval, meaning the benefits each person receives could be different, so you need to verify that the features you want are included in the cardmember agreement. However, Bank of America automatically includes zero liability, and there is no expiration date or total point limit.

This air miles card is one of two in our review that offers an introductory 0% annual percentage rate on purchases for the first 12 months you have the card. Following the initial first 12 months, you can expect a 14.99% to 22.99% Variable APR on purchases you make as well as any balance transfer transactions. If you plan to use this card for cash advances, the APR gets a bit tricky. For direct deposit and check cash advances, your APR will be 22.99%, while bank cash advances are a higher 24.99% APR. Additionally, a 29.99% penalty APR is attached to this card.

One of the best things about this air miles card is that it has no annual fee, which makes it an attractive, affordable option. This card also has no charge on international purchases, so you're free to purchase merchandise on your travels abroad without paying an extra fee on the items you purchase.

Other fees that are associated with this card are its minimum $10 or 3% fee for any cash advance or balance transfer transactions you make. Additionally, if you don’t make your monthly payment within the 25-day grace period, a late fee, up to $35, is applied to your account.

Bank of America makes it very easy to contact member support. The company is available via phone 24 hours a day, 7 days a week, and you can also reach a customer service agent via live chat . Additionally, Bank of America lists many frequently asked questions on its website for your reference.


The BankAmericard Travel Rewards® air miles credit card is great for earning points that you can put towards travel, but it does fall short in many areas, like the travel benefits and key features it offers. However, you pay no annual fee with this card.

Disclaimer: The Annual Percentage Rate or APR is reflective of the date this review was last updated.

Specifications and Benchmarks


Standard APR*
14.99% - 22.99% Variable
Cash Advance APR*
17.99% - 24.99% for Direct Deposit & Check Cash Advances/24.99% for Bank Cash Advances
Balance Transfer APR*
14.99% - 22.99% Variable
Penalty APR*
29.99% Variable
Introductory APR*
0% on Purchases
Introductory Period
12 Months

Fees & Penalties

Annual Fee
Late Fee
Up to $35
International Purchase Fee
Cash Advance Fee
$10 or 3%
Balance Transfer Fee
$10 or 3%
Returned Payment Fee
Up to $25
Grace Period
25 Days

Travel Benefits

Miles/Points to Dollars Spent Ratio
1.5 Points/1 Dollar Spent
Sign-Up Offer
10,000 bonus points after $500 spent in first 90 days
No Blackout Dates
International Flights
Earn Double Miles or Points
Free Bag Check
Priority Boarding
VIP Lounge Access
In-Flight Purchase Discounts
Annual Bonus Miles or Points
Concierge Service

Member Support

Phone 24/7
Emergency Card Replacement
Live Chat

Key Features

Travel Accident Insurance
Rental Car Insurance
Lost Luggage Reimbursement
24/7 Roadside Assistance
Zero Liability
Miles/Points Don't Expire
No Cap on Miles/Points
Extended Product Warranty
Purchase Protection
Return Protection