How to Apply for the Bank of America Travel Rewards Credit Card and Earn Points Fast

The Bank of America Travel Rewards Credit Card gives you flexible points and simple earning rules. You get strong value without paying an annual fee. 

This guide shows you how to apply and start earning points fast.

Key Features of the Card

You should review the card’s main features before you apply. 

This helps you understand what you can earn and how the card fits your spending habits.

• You earn 1.5 points per dollar on every purchase with no categories to track.
• You get higher points when you book travel through the Bank of America Travel Center.
• The card charges no annual fee, making it simple to maintain.
• There are no foreign transaction fees, which helps if you travel abroad.
• Points can be redeemed for travel, dining, and statement credits with flexible options.
• Eligible Bank of America customers may earn 25% to 75% more points through the Preferred Rewards program.

Rates & Fees (Costs You Must Know)

Knowing the costs protects you from unnecessary charges and helps you decide if the card fits your budget. 

These details show what you should expect after approval.

• Annual Fee: US$0.
• Purchase APR: A variable rate that typically ranges from around 17.74% to 27.74%, depending on creditworthiness.
• Intro APR Offer: Some offers provide 0% intro APR for 15 billing cycles on purchases and on balance transfers made within the first 60 days.
• Balance Transfer Fee: Usually 3% for transfers made within the first 60 days, then 4% for future transfers.
• Cash Advance Fee: Typically 5% of the transaction amount or a minimum fixed fee (commonly around US$10).
• Foreign Transaction Fee: None, which helps when spending internationally.
• Penalty APR: May apply if a payment is missed or is late, per Bank of America’s terms.
• Late Payment Fee: Can reach up to US$40, depending on the account status.

Eligibility Requirements

Before applying, you must meet certain conditions set by Bank of America for your application to be considered. 

These requirements help the bank assess your eligibility and risk. Review them carefully to increase your chances of approval.

• You should have a good to excellent credit score (generally 670 or higher) to be approved.
• You must provide your gross annual income along with your Social Security number or other tax identification.
• You must be of legal age (18 or older) and a U.S. resident with a valid mailing address and ZIP code.
• You should not have recent negative credit events or excessive recent credit applications (which issuers review).
• Bank of America customers and Preferred Rewards members can earn extra rewards, but this is optional and not required for approval.

Documents You Need Before Applying

Preparing your documents speeds up the application process. These details help Bank of America verify your identity and financial profile.

• Government-issued ID such as a driver’s license or passport.
• Social Security number or Individual Taxpayer Identification Number.
• Proof of income, including your employer’s name, job status, and annual earnings.
• Housing information, such as monthly rent or mortgage payments.
• Contact details, including your phone number and current U.S. mailing address.
• Financial information, such as existing bank accounts or other credit obligations.

How to Apply Online

Applying online is the fastest way to submit your request. The process is straightforward and takes only a few minutes when your information is ready.

1. Visit the official Bank of America Travel Rewards Credit Card application page.
2. Enter your personal details, such as name, address, and contact information.
3. Provide your Social Security number and employment information.
4. Add your income and housing details to help the bank assess eligibility.
5. Review all information to ensure accuracy before submitting the form.
6. Submit the application and wait for an instant decision or a follow-up verification request.

How to Apply In Person or by Phone

Applying in person or by phone gives you a more direct option at Bank of America if you prefer speaking with a representative. 

Knowing both methods helps you choose the one that best fits your situation.

1. Visit a Bank of America branch to schedule an appointment or walk in to apply for the Travel Rewards card.
2. When at the branch, bring your documents (ID, income proof, housing information) and complete the credit card application form with a staff member.
3. Call Bank of America’s credit card line and request an application; a representative will guide you through the process.
4. Confirm any priority codes or special offers that may apply when applying in branch or by phone.
5. After submitting your application via either method, wait for the bank’s decision and activate the card once approved.

Understanding the Approval Process

Understanding how Bank of America reviews your application helps you prepare better. These steps show what happens after you submit your details.

• The bank reviews your credit score, payment history, and overall credit behavior.
• Your income and debt-to-income ratio are checked to confirm your ability to manage new credit.
• Your employment status and housing details help verify financial stability.
• Existing relationships with Bank of America may influence the review process.
• Some applications receive an instant decision, while others require manual review.
• If more information is needed, the bank may request additional documents before final approval.

How to Start Earning Points Fast After Approval

Getting the card approved is only the first step. These actions help you earn points quickly and maximize the card’s value.

• Use the card for everyday purchases to earn 1.5 points per dollar on all spending.
• Book flights, hotels, or rentals through the Bank of America Travel Center to earn a higher points rate.
• Set up autopay for recurring bills so you never miss earning points each month.
• Activate any bonus offers or promotions available in your online account.
• Redeem points for travel or dining purchases to get the highest value.
• If eligible, enroll in Preferred Rewards to boost your earning rate by 25% to 75%.

Managing Your Account for Maximum Rewards

Managing your account properly ensures you get the best value from your rewards. These actions help you stay organized and make the most of every point.

• Pay your balance in full each month to avoid interest charges that reduce rewards value.
• Track your points through the Bank of America mobile app or online dashboard.
• Monitor your spending to ensure you use the card in categories that earn the most value.
• Set up alerts and notifications to avoid missed payments or unusual activity.
• Review your rewards options regularly to redeem points at the highest value.
• Keep your account information up to date to avoid delays or interruptions.

Customer Support and Contact Information

Having reliable customer support and contact information ensures you can get help when you need it. 

Below are verified ways to reach Bank of America for questions about your Travel Rewards credit card.

• Credit card customer service (including lost or stolen card): 800-732-9194, available 24 hours a day.
• International customer service: +1-302-738-5719 (international cell phone roaming charges may apply).
• Credit card activation line: 800-276-9939, available 24/7.
• Billing inquiries: 866-266-0212.
• Mailing address for consumer card payments: P.O. Box 15019, Wilmington, DE 19850-5019.

To Wrap Up

The Bank of America Travel Rewards Credit Card gives you simple earning rules and flexible redemption options. 

You can get strong value by applying it correctly and using the card consistently. 

Start your application today and begin earning points fast on your everyday purchases.

Disclaimer

All card details, rates, and requirements may change based on Bank of America’s current terms and your credit profile. 

Always review the official Bank of America website or speak with a representative before submitting your application.