Review: BankAmericard Travel Rewards Credit Card – Flexible Rewards and More

Isn’t it great when your credit card gives back to you?

And if you travel it’s nice when your card works with you to make travel easier and rewarding.

That’s the BankAmericard Travel Rewards® credit card!

This credit card from Bank of America offers up some nice features I think you’ll like.  

BankAmericard Travel Rewards Credit Card Features

Reward Points Program

With the BankAmericard Travel Rewards® credit card you earn points from the purchases you make.  They have a flexible program that allows you to use your points for everything from flights to baggage fees.

You earn 1.5 points for every dollar spent on purchases.  That’s 50% more points per dollar than the average rewards program (most offer 1 point per $1 spent).  And there is no limit to the total number of points you can earn and the points don’t expire.

So how do you redeem your points?

airline tickets and other travel rewardsGood question.  The BankAmericard Travel Rewards® credit card makes it easy to use your points.

Make your travel purchase with your card then call or go online to redeem your points as a statement credit.  This can be for all or part of your travel purchases.

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What I like here is that you don’t have to worry about what programs the card may be a part of.  You’re also not limited to one airline to travel with.  Just make your purchase and then redeem your points.

Bonus Points

And to start you off you get a 10,000 point bonus if you make at least $500 in purchases in the first 90 days.  You’re already saving on your travel purchases.

Other Travel Perks

In addition to their points program you also have no foreign transaction fees.  This is great when you are traveling overseas since many other cards hit you with a transaction fee for your credit card purchases.  Imagine you come back from your overseas trip to see 3% tagged onto your purchases (3% is about the average for foreign transaction fees).

The card also uses new chip technology.  You don’t see it used much in the U.S. yet but outside of the country it’s more widely used and having the chip allows for expanded global acceptance when you’re traveling.

Ever get in a jam when traveling?  

Your BankAmericard Travel Rewards® credit card offers 24-hour travel and emergency assistance.

Want to get dinner reservations or tickets?  Enjoy complimentary access to an exclusive concierge service to help you out.

The BankAmericard Travel Rewards credit card also carries some nice consumer protections as well.  There’s a $0 liability guarantee where you are not responsible for any fraudulent charges.  They will credit fraudulent charges back to your account as soon as the next day.  And their ShopSafe® feature adds an extra layer of protection when you shop online.

You also have Purchase Replacement which covers purchases that are stolen, lost, or damaged within 90 days after your purchase.

And if you link your BankAmericard Travel Rewards® credit card to a Bank of America® checking account you can use your card as overdraft protection for your checking.

APR Rates

The BankAmericard Travel Rewards® credit card offers a 0% introductory APR on purchases.  This lasts for 12 billing cylces.  After that the rate is 14.99%-22.99% Variable APR*.

Annual Fee

There is no annual fee for this card.  Keep in mind that you need an excellent credit rating in order to qualify.  (Not sure what your credit score is?  Here’s a place you can get your score for free.)

Final Word On the BankAmericard Travel Rewards Credit Card

The BankAmericard Travel Rewards® credit card carries some great travel perks and all for no annual fee.  You also have an easy points redemption plan where you get statement credits for travel.  And you earn 1.5 points per dollar you spend on purchases.  Add no foreign transaction fees and you’re looking at a good all-around travel rewards card!

 

Disclaimer: This content is not provided by Bank of America. Opinions expressed here are author’s alone, however this site may be compensated by Bank of America.

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Published or updated March 5, 2014.

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