Unlimited Rewards
on Bank of America's secure site
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, a 17.49% - 27.49% Variable APR on purchases and balance transfers will apply. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers.
- Unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open
- Click “” to apply online
Bottom Line:
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, a 17.49% - 27.49% Variable APR on purchases and balance transfers will apply. A fee of 3% for 60 days from account opening, then 5% applies to balance transfers.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel and dining purchases – including takeout.
- Earn unlimited 1.5 points per $1 spent on everyday purchases and 3 points per $1 spent on travel purchases booked through BofA Travel, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.
- $0 annual fee
- Click “” to apply online
Bigtime reward potential doesn’t usually piggyback with long-term balance transfer offers, but this travel card is flipping the script on all sorts of killer combinations. Let’s look at all the angles the Bank of America® Travel Rewards credit card uses to save you a bundle while you rack up the rewards.
Why We Rate This a Top Low Interest + Rewards Card
The big story with this card is that it gives you so much time. The 0% Intro APR for 15 billing cycles for purchases also applies to any balance transfers you make within the first 60 days, 17.49% - 27.49% Variable APR on purchases and balance transfers thereafter. A fee of 3% for 60 days from account opening, then 5% applies to all balance transfers. When you can stop worrying about money going out to pay off interest, you can focus on all the money you’re earning with a truly remarkable rewards structure.
You’ll earn 1.5x points per $1 spent on everyday purchases. Forget about timing your shopping or selecting certain stores. It’s easy and it’s all-encompassing. Everything you buy earns points. And that beats a straight up balance transfer card any day.
More than just a Low Interest card
So many low interest cards offer skimpy bonuses or end up charging annual fees for the privilege of all the time they’re offering. But this card has so much more than its enticing no interest intro offer. How about earning 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening? It’s the kind of bonus that almost always comes with a higher spending threshold, but you can cash in after just $1,000 in purchases — an easy feat these days. Those points can be used to wipe away travel and dining purchases from statements worth a total of $250. It’s big win from a bonus that you can collect so much faster than with other rewards cards.
Can you do any better with a Low Interest + Rewards Card?
Since you stand to cash in with a whopping $250 statement credit after minimal spending, take advantage of no interest on balance transfers and purchases until 2026, and can do it all with absolutely no annual fee, we really doubt it.
This card makes just about every operation you want from a credit card even easier than expected. Earning 1.5x points per $1 spent means nothing to schedule, swap, or plan when you make a purchase. Saving on interest means more than a year without paying down debt. And 25,000 online bonus points to welcome new cardmembers is the icing on the cake.
Recommended Credit Score
This card is designed for consumers with good to excellent credit, so we suggest having a FICO® Score of 670 or higher to increase your likelihood of being approved. However, some people might qualify with lower scores, and approval is not guaranteed even with a high credit score.
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 any balance transfers made in the first 60 days (17.49% - 27.49% Variable APR on purchases and balance transfers thereafter)!
- 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 are seeking relief from high interest rates, love earning rewards, and have good to excellent credit, this card’s for you.
