Bank of America Travel Rewards
No-fee travel — 1.5x flat with no FX markup, plus Preferred Rewards bumps
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5-year value calculator
How much Bank of America Travel Rewards actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
25,000 online bonus points after $1,000 in first 90 days (~$250 travel)
What you get
- 1.5x points on every purchase
- Up to 75% bonus for Preferred Rewards clients (1.5x → 2.625x)
- Points redeem against any travel purchase, no blackout dates
- No foreign transaction fees
- No annual fee
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Bank of America Travel Rewards
The SaaS subscriptions where Bank of America Travel Rewards earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,82,453/yr.
Greenhouse
1.5% rewards on hr category — better than the 1% default.
Drift
1.5% rewards on crm category — better than the 1% default.
Vanta
1.5% rewards on engineering category — better than the 1% default.
Drata
1.5% rewards on engineering category — better than the 1% default.
WorkOS
1.5% rewards on auth category — better than the 1% default.
dbt
1.5% rewards on database category — better than the 1% default.
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Citi Double Cash
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Set-it-and-forget-it 2% on everything