15 Month Low Interest Card with Unreal Rewards
Zero Regrets. Zero Interest for 21 Months.
Zero Regrets. Zero Interest for up to 21 Months.
The Bank of America Travel Rewards card offers a rare combination of excellent travel benefits and 15 months of low interest.
on Bank of America's secure site
The Bank of America® Travel Rewards credit card is packed with perks for travelers and foodies who want versatile rewards but are hesitant to pay an annual credit card fee. Here's why it's the best travel choice for most people.
Welcome Bonus worth $250
Most no annual fee travel cards only offer a $200 bonus or require $4,000 in spend to earn a bonus. Not here. Those approved for the card can earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. Cardholders can use those points to wipe away travel and dining purchases from their statements worth a total of $250. Simple and satisfying.
1.5x Unlimited Points
Simplicity and satisfaction don’t stop at the initial big bonus. The Bank of America® Travel Rewards credit card earns you 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel. That’s 1.5 points at gas stations, supermarkets, restaurants, or the most random purchase you can think of at any store you can find — it all counts and it all earns you points. This hassle-free structure is one of the biggest reasons we love this card. Finding the best deals and making the smartest financial decisions can seem like an endless game. With this card, just signing up means you’ve already won.
Long Intro APR Period
We’ve been talking a lot about money, but now let’s focus on time. More than a year’s worth. The introductory period on both purchases and qualifying balance transfers means you can forget about interest until well into 2025. As you’ve probably noticed, the cost of borrowing money is substantial right now. Who knows when interest rates are going to settle back down to their previous levels. It makes access to that low APR offer all the more valuable. You can go on vacation and have 0% Intro APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days. After that, the APR is 17.74% - 27.74% Variable APR on purchases and balance transfers. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
No Annual Fee
If you’ve been shopping around for a travel card recently, you’ve likely been inundated with offers of points, cash, exclusive deals, and competitive perks. But at what price? Things like lounge access at the airport or upgrading the color of your credit card can cost hundreds of dollars every year in annual fees. We’re happy to report that the Bank of America® Travel Rewards credit card's $0 annual fee helps set it apart from many pricy competitors. No annual fee = no-brainer.
Who Should Get This Card
- The Bank of America® Travel Rewards credit card is a great fit for most people. It’s a tough to find combo — a bonus worth $250, unlimited 1.5 points, and 0% Intro APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days (then 17.74% - 27.74% Variable APR on purchases and balance transfers)!
- It’s also a good fit for those who want the added confidence of not having to worry about blackout dates and restrictions when booking your trip.
- If you like quick cash, ongoing travel benefits, and have good to excellent credit, this card’s for you.
The Rest of the Best
If the Bank of America® Travel Rewards credit card doesn’t feel like the right choice for you, that’s ok. While we feel it’s the best no annual fee travel credit card on the market right now, perhaps you’re looking for something more specific. If so, here are our favorite alternatives.
on American Express' secure site
Terms Apply
Best For: Cash Back on Groceries and Gas
The Blue Cash Preferred® Card from American Express is an excellent choice. This card, from our partner, has an amazing rewards rate of 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
The Blue Cash Preferred® Card from American Express also offers travel benefits and a $0 intro annual fee for the first year, then $95. Furthermore, it features a unique combination of notably low interest rates, an easy application process, and glowing reviews from cardholders worldwide!
on Capital One's secure site
Best For: Unlimited First Year Bonus
Leave the fees behind when you take flight with the Discover it® Miles credit card. With no annual fee, no foreign transaction fees, and a lucrative rewards program, there's a lot to love with this popular travel credit card. This card is ideal for anyone who books flights across different airlines. Earn unlimited 1.5x miles on every dollar of every purchase.
What really makes this card stand out is the stellar first-year bonus: Discover gives you an unlimited match of all the miles you’ve earned at the end of your first year. You could turn 35,000 miles into 70,000 miles! This clever rewards structure can be especially beneficial for consumers who don't want to have to spend a hefty amount on their card during the first 3 months in order to receive a bonus offer. And on the flip side, the fact that the bonus miles are unlimited means that this card can be extremely rewarding if you're a big spender.