Best Hassle Free Travel Card Also Has The Highest Rewards

This card offers 1.5x points, no annual fee, no foreign transaction fee, and a 20,000 point bonus (worth $200 in travel)

by Greg Go - June 22, 2017

Greg Go is a credit card expert whose financial advice has been featured on US News & World Report, Business.com, and Yahoo! Finance.

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As a personal finance contributor for US News & World Report and Wise Bread, I have reviewed dozens of travel credit card deals each year. I’ve also planned several free vacations for my own family using travel credit cards.

The travel card that I recommend most frequently to my family and friends is the BankAmericard Travel Rewards® Credit Card.

This card is the winner of Kiplinger’s Best Travel Credit Card of the Year honors, and for good reason.

» Click here to learn more about the BankAmericard Travel Rewards® card

Best Combination of Features

This card has the best combination of ultra high rewards, no fees, and simple no-hassle reward redemptions.

Ultra High Rewards (Best In Its Class)

  • $200 signup bonus. Spend $1,000 in purchases in first 90 days and you get a $200 statement credit towards travel purchases.
  • 1.5 points per dollar spent on all purchases, everywhere, everytime. You get 1.5 points for every $1 you spend, which can be equivalent to 1.5% cash back when you redeem those points for statement credits on travel expenses. No messy "categories" to worry about when trying to earn rewards. (Note: if you use the Bank of America Travel Center to book travel, you'll earn double the points (3 points for each dollar) on those purchases.
  • Additional 10% bonus if you have an active Bank of America® checking or savings account. If you’re a Bank of America Preferred Rewards client, you could increase that bonus 25-75%.

No Fees

  • This is one of the very few travel cards that has no annual fee AND no foreign transaction fee.
  • 0% Intro APR for first 12 billing cycles (months).

No hassle

  • Use your card to book your trip on any website you want.
  • No points expiration or blackout dates.
  • Use your rewards bonus on any travel purchases you like. You are not stuck having to only use specific hotel or airlines like some other cobranded cards.

Are There Any Cons?

BankAmericard is a reward for people with great credit. If you have missed one or two credit card payments last year, or if you are close to maxing out your credit cards, you probably won’t get approved.

While this card offers the highest travel rewards with no annual fee, there are other cards with higher rewards and an annual fee. If you want more than 1.5 points per dollar spent, consider the Chase Sapphire Preferred® Card or the Capital One® Venture® Rewards Credit Card.

The Bottom Line

This card is best for people who want really high travel rewards without the hassle of jumping through dozens of hoops.

The unlimited 1.5 points per dollar is one of the best in the industry. It is 50% more than most other rewards card out there.

Some other card may offer a high percentage of cashback. But if you look closely there’s often limits on how much you can earn, and you usually have to earn it in a specific category of purchase at a specific time. If you’re not good at keeping track of things like that you’ll end up missing out on all those supposed benefits.

BankAmericard has no limits on how much you can earn, and no categories to worry about.

If you enjoy a card with ultra high rewards, no hidden fees, and set-it-and-forget-it reward redepmptions, this is the card for you.

» Click here to learn more about the BankAmericard Travel Rewards® card