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)

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at Bank of America's secure site
Pros
  • 20,000 point bonus (worth $200 for travel)
  • 1.5 points per dollar spent
  • No annual fee
  • No foreign transaction fees
  • 10%-75% points bonus for Bank of America customers
  • 0% Intro APR on purchases for 12 billing cycles
  • Double points (3 points) at Bank of America Travel Center
+ more
 

by Greg Go - September 21, 2017

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

Wise Bread is an independent, award-winning, advertising-supported website. Many credit card offers that appear here are from companies from which Wise Bread receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Wise Bread does not include all card offers in the marketplace.

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As a personal finance contributor for 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.

Apply Now
at Bank of America's secure site

The travel card that I recommend most frequently to my family and friends is the Bank of America® 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 Bank of America® Travel Rewards Credit 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 on purchases 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?

The Bank of America Travel card 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.

For alternatives, consider these other travel credit cards that have annual fees but different benefits:

  • If you spend a lot on dining and travel, it makes sense to get 2X points on that spend with the Chase Sapphire Preferred® Card. There is also a 50,000 point bonus offer (worth $625). $95 annual fee is waived the first year.

  • For a simpler travel card, you can earn 2X points on any purchase and a 40,000 point bonus (worth $400) with the Capital One® Venture® Rewards Credit Card. $59 annual fee is waived the first year.

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.

Bank of America Travel 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 redemptions, this is the card for you.

» Click here to learn more about the Bank of America® Travel Rewards Credit Card