Our experts have evaluated hundreds of credit cards over the years.
It’s incredibly rare to find a card that allows you to pay 0% interest into 2026, and earn a huge welcome offer, and earn an excellent unlimited rewards rate on all purchases...and to get all of this for a $0 annual fee.
But that’s exactly what the Bank of America® Travel Rewards credit card offers.
Here's why our experts love this card:
- Long 0% Intro APR for 15 billing cycles for purchases and balance transfers (transfers must be made within 60 days of account opening). After that, the go-to rate of 18.49% - 28.49% (Variable) applies.
- 25,000 points bonus offer (worth $250 for travel and dining) after spending just $1,000 within 90 days of account opening.
- Unlimited 1.5 points per $1 spent on all purchases. Whether you're shopping, dining or exploring, your points will effortlessly accumulate.
- No annual fee
- Click here to Apply Now
Note: We think it’s important for you to know that this offer (including the bonus offer worth $250) could change at any moment. If you’re interested in this card, we recommend using this link to apply today.
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website.
Bank of America® Travel Rewards credit card
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website.
4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website.
Intro APR 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.49% - 28.49% (Variable)
Rewards Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.
1.5 points per dollar
Annual Fee
$0
Welcome Offer 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 purchases
25,000 points
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- 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 purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 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 Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Top 6 reasons to apply today for a Bank of America® Travel Rewards credit card
25,000 points bonus offer: A sign-up bonus provides a serious head start in the points total. This one is worth $250 when redeemed as a statement credit for travel and dining purchases. The minimum spend is low, too — the bonus kicks in after you make at least $1,000 in qualifying purchases within 90 days of opening the account. It's worth noting that this is one of the biggest bonuses for a travel card with no annual fee.
Unlimited 1.5 points per dollar: The card keeps it simple with a what-you-see-is-what-you-get 1.5 points per $1 spent on all purchases. There are no spending caps and earning is unlimited.
0% intro APR: Enjoy 0% introductory APR for 15 billing cycles on purchases, and on any balance transfers made in the first 60 days. There is a balance transfer fee of 3% for 60 days from account opening, then 4%. However, that's a low balance transfer fee compared to many other cards.
$0 annual fee: This no annual fee credit card still offers many of the perks and features of rival cards that do charge a yearly fee.
No foreign transaction fee: Foreign purchases aren't charged the de facto standard 3% fee that many other credit cards levy. If you plan to travel abroad with this card, this is a helpful perk that can save you money.
Up to 75% bonus for Preferred Rewards members: People loyal to Bank of America's products can earn 25% to 75% point bonuses through the Preferred Rewards program. The Preferred Rewards card bonus tiers are as follows:
- Gold Preferred Rewards: Earn a 25% points bonus.
- Platinum Preferred Rewards: Earn a 50% bonus.
- Platinum Honors Preferred Rewards: Earn a 75% bonus.
- Preferred Rewards program members can boost the value of their credit card rewards.
If you're eligible to earn the maximum 75% bonus, you would earn 2.62 points per $1 instead of 1.5 points per $1 with this credit card.
Alternatives to consider
Blue Cash Preferred® Card from American Express
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website.
Terms apply
4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.50 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website.
Terms apply
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 12 months
Regular APR
18.49%-29.49% Variable
Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
1%-6% Cash Back
Annual Fee
$0 intro annual fee for the first year, then $95.
Welcome Offer Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250
- Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.49% - 29.49%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
• Please visit americanexpress.com/benefitsguide for more details.
• Card Members are responsible for the costs charged by third-party service providers.
• Extended warranty, purchase protection warranty, and car rental loss & damage insurance underwritten by AMEX Assurance Company.
Capital One VentureOne Rewards Credit Card
Apply Now for Capital One VentureOne Rewards Credit Card
On Capital One's Secure Website.
4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.00 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Capital One VentureOne Rewards Credit Card
On Capital One's Secure Website.
Intro APR
Purchases: 0% intro on purchases for 15 months
Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)
Regular APR
19.49% - 29.49% (Variable)
Rewards Earn unlimited 1.25X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
1.25X-5X miles
Annual Fee
$0
Welcome Offer 20,000 Miles once you spend $500 on purchases within 3 months from account opening
20,000 Miles
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies
Our Credit Cards Experts
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
JPMorgan Chase is an advertising partner of Motley Fool Money. Discover Financial Services is an advertising partner of Motley Fool Money. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Bank of America is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Amazon, Bank of America, JPMorgan Chase, and Target. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.
For rates and fees for the Blue Cash Preferred® Card from American Express, click here