Bank of America · Flexible points · Visa
Bank of America Travel Rewards: what it's really worth
The Bank of America Travel Rewards has a no annual fee. For a typical household spending $2,070 a month, it's worth about $623 in year one and $373 each year after.
Annual fee$0
Sign-up bonus$25025,000 points after $1,000 in 3 mo
Net value · year 1$623
Net value · each year after$373
Is the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 1.5x | 1.5¢ | $54 |
| Groceries | 1.5x | 1.5¢ | $90 |
| Hotels | 1.5x | 1.5¢ | $14 |
| Flights | 1.5x | 1.5¢ | $18 |
| Gas | 1.5x | 1.5¢ | $27 |
| Streaming | 1.5x | 1.5¢ | $7 |
| Everything else | 1.5x | 1.5¢ | $162 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 1.5x on everything; 3x on travel booked through Bank of America Travel. Points are worth 1¢ toward travel.
Who it's for
- Simple travel rewards with no annual fee
- No foreign transaction fees
- Not ideal: Transferring points to airlines or hotels
Can I get it?
- Recommended credit: Good
- Bank of America rules: Often limits new cards to about 2 in 2 months, 3 in 12 months and 4 in 24 months. The bonus may be unavailable if you've had this card in the last 24 months.
- Visa: Accepted almost everywhere, including Costco warehouses (Visa only).
Check the current offer at Bank of America
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Updated Oct 30, 2026.