bank of america travel category

Bank of America Travel Rewards credit card review: Simplicity for points beginners

Editor's Note

Bank of america travel rewards credit card overview.

The no-annual-fee Bank of America® Travel Rewards credit card has the potential to be a solid flat-rate card if you are a member of the Bank of America Preferred Rewards® program . However, without the Preferred Rewards earning bonus, the card falls short compared to other flat-rate cards on the market. Card Rating*: ⭐⭐⭐

* Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

For beginners, points and miles can seem daunting. When I started earning credit card rewards, the idea of transferring points and trying to find the absolute best redemptions was exciting but also nerve-wracking — and I'm not alone.

Many beginners give up on using credit card rewards to pay for travel because it seems too complicated.

That's where an option like the Bank of America Travel Rewards credit card comes into play. It has no annual fee and a recommended credit score of 670. Points and miles experts will likely not be amazed at the perks and redemption options, but the simplicity of this card's earning rate and redemption process provides a nice starting point for beginners.

Let's dig into the card details so you can decide if it's right for you.

Bank of America Travel Rewards pros and cons

Bank of america travel rewards welcome offer.

The Bank of America Travel Rewards is currently offering 25,000 bonus points after spending at least $1,000 in the first 90 days of account opening.

These points are redeemable at a flat rate of 1 cent per point toward travel or dining purchases, so this bonus is worth $250 — a solid offer but significantly less valuable than what you'll find on other top travel cards .

It's not a flashy bonus, but it is easy to get since the minimum spending requirement should be doable for basically anyone. And since the card has no annual fee, you're essentially earning rewards on purchases you would have normally made without any up-front cost.

Bank of America does have a 24-month restriction, though the details vary from card to card. The wording for the Travel Rewards card states:

"This card may not be available to you if you currently have or have had the card in the preceding 24 month period."

This means that you can get a second Travel Rewards card if you held one before but must wait 24 months after closing your old account before opening a new one.

Related: The ultimate guide to credit card application restrictions

Bank of America Travel Rewards benefits

The real benefit of the Bank of America Travel Rewards is its simplicity. There are no bonus categories, earning caps or transfer partners. For beginners, that can be a great way to start a points and miles journey.

As a cardholder, you'll enjoy no booking restrictions when you redeem your points and will pay no foreign transaction fees when you swipe the card outside the U.S. A number of no-annual-fee cards have foreign transaction fees, so this is a great benefit.

As expected with a no-annual-fee card, you won't get luxury perks with this card. However, since it is a Visa Signature card, you will still have access to certain travel protections and benefits, including:

• Auto rental insurance
• Zero fraud liability
• Roadside assistance

Again, this isn't an extensive list of benefits, but it's decent for a no-annual-fee card.

Related: How to build a no-annual-fee card strategy

Earning points on the Bank of America Travel Rewards

The Bank of America Travel Rewards has a simple earning structure, but there's more than meets the eye.

You'll earn unlimited 1.5 points per dollar on every purchase. There's no yearly cap on rewards earned, and your points won't expire for as long as your account is open.

This is a fairly standard earning rate for a no-annual-fee card , though you can find cards with more competitive reward structures . However, the rewards structure becomes much more valuable if you qualify for the Bank of America Preferred Rewards program.

To enroll in Preferred Rewards, you'll need an eligible Bank of America personal checking account and a three-month average balance of at least $20,000 across your Bank of America and Merrill accounts.

There are four levels of Preferred Rewards, and each comes with an earning bonus on the Travel Rewards card.

As you can see, those with Platinum Honors and Diamond can earn 2.625 points per dollar on every purchase, which is an impressive return for everyday purchases.

Plus, you'll get a savings account interest bonus, discounted banking and investing fees and discounted rates on auto loans and mortgages.

That said, the earning rate of 1.5 points per dollar is lackluster if you aren't a Preferred Rewards member.

Redeeming points on the Bank of America Travel Rewards

Bank of America points act more like cash-back rewards since each point is worth a flat 1 cent. You can redeem them as a statement credit for travel or dining purchases (starting at a minimum of 2,500 points).

When you make a purchase, simply log in to your account and select any qualifying transaction from the previous 12 months.

Although travel enthusiasts may see this as a disadvantage, beginners might rejoice at this no-stress process.

You don't have to think about maximizing reward redemptions or figuring out the best transfer partner for booking your travel, which can be a headache for someone looking for a simple, no-frills way to earn and use their points.

You can also use your points for a cash reward — a check or a deposit into a qualifying Bank of America account. However, you'll get a value of just 0.6 cents per point this way (2,500 points = $15), so you're much better off using them for travel or dining purchases.

Finally, you can redeem your points for gift cards , though the exact value varies by merchant.

Related: The best Bank of America credit cards

Which cards compete with the Bank of America Travel Rewards?

One of these may be a better fit if you want more perks or a different earning structure than the Bank of America Travel Rewards offers.

• If you want more perks : The Bank of America® Premium Rewards® credit card is a mid-tier travel card with a $95 annual fee. It earns the same 1.5 points per dollar base rate as the Travel Rewards card, but you'll also earn 2 points per dollar on travel and dining purchases and get more travel perks. To learn more, see our full review of the Premium Rewards card .
• If you want more flexible rewards : The Capital One VentureOne Rewards Credit Card earns 1.25 miles per dollar spent on everyday purchases and 5 miles per dollar on hotels and car rentals purchased through Capital One Travel. However, the card shines by giving you access to the issuer's 15-plus transfer partners , including British Airways, Turkish Airlines and Wyndham. To learn more, see our full review of the Capital One VentureOne Rewards .
• If you want even more cash back: The Chase Freedom Unlimited® is another great no-annual-fee card option. It offers 5% cash back on travel purchases through Chase Travel℠, 3% back at restaurants and drugstores and 1.5% back on all other purchases. To learn more, see our full review of the Freedom Unlimited .

For additional options, check out our full list of the best cash-back credit cards .

Related: How to choose a cash-back credit card

Is the Bank of America Travel Rewards worth it?

If you're looking for simplicity in how you earn and redeem points, the no-annual-fee Bank of America Travel Rewards could be a good option for you, especially if you're a Bank of America Preferred Rewards customer. However, more seasoned points and miles travelers will likely want a card with higher earning rates and more redemption options.

Bottom line

The Bank of America Travel Rewards offers a simple earning rate and redemption options many beginners will appreciate. However, frequent travelers who want better earning rates and the flexibility of transfer partners should consider other options.

Apply here: Bank of America Travel Rewards

Related: Bank of America Customized Cash Rewards review

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Terms Apply

The information for the Bank of America® Travel Rewards Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Bank of America® Travel Rewards Credit Card

The Bank of America® Travel Rewards Credit Card allows cardholders to earn unlimited 1.5 points per dollar on every purchase for no annual fee and redeem these points with any hotel or airline with no blackout dates.

Credit Needed

Excellent/Good

Intro 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

Rewards Rate

1.5X Points per dollar spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire

The Bank of America® Travel Rewards Credit Card offers a 0% introductory annual percentage rate for 15 billing cycles on purchases and any balance transfers made within the first 60 days of opening your account .

Rewards are unlimited and at a higher base rate than many other cards.

Rewards do not expire and can be redeemed with any airline or hotel with no blackout dates.

The card doesn't offer categories that earn a higher rate.

If you redeem rewards for a regular statement credit, the points value is lower.

To be a Preferred Rewards member with a points boost, you must maintain a balance starting at $20,000.

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

Bank of America® Travel Rewards Credit Card Summary

The Bank of America® Travel Rewards Credit Card is a no-annual-fee card that earns an unlimited 1.5 points per dollar on every purchase. Points can be redeemed for travel rewards, including flights, hotels and vacation packages.

New cardholders who make at least $1,000 in purchases in the first 90 days of account opening can earn 25,000 online bonus points , which can be redeemed as a statement credit toward travel purchases valued at $250 . If you have a banking relationship with Bank of America and maintain a high enough balance average to be a Preferred Rewards member, you can earn 25% to 75% more points with each purchase depending on your tier.

The Bank of America® Travel Rewards Credit Card also offers a 0% introductory annual percentage rate for 15 billing cycles on purchases and any balance transfers made within the first 60 days of opening your account . After that, there is a 19.24% to 29.24% variable APR APR. Cardholders can take advantage of benefits, including free monthly FICO credit score access, account alerts for balances and due dates, and digital wallet technology.

• Rates and Fees
• Highlights from Issuer
• Issuer Name Bank of America
• Credit Needed Excellent/Good
• Annual Fee $0
• Regular APR 19.24% to 29.24% variable APR
• Penalty APR up to 29.99% APR
• Purchases Intro APR 0% introductory annual percentage rate for 15 billing cycles on purchases and any balance transfers made within the first 60 days of opening your account
• Balance Transfer Fee 3% of each transaction intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
• Cash Advance Fee See terms

Is the Bank of America® Travel Rewards Credit Card Right for Me?

Yes, if you:

• Are looking for a card with a simple points-based rewards program.
• Don't want to pay an annual fee for a travel rewards card.
• Want a 0% introductory annual percentage rate for 15 billing cycles on purchases and any balance transfers made within the first 60 days of opening your account .

Tips for Using the Bank of America® Travel Rewards Credit Card

The Bank of America® Travel Rewards Credit Card won't cost you an annual fee, and it earns solid flat-rate rewards. You could take advantage of the 0% introductory annual percentage rate for 15 billing cycles on purchases and any balance transfers made within the first 60 days of opening your account offer to pay off a large purchase or transfer a balance to the card.

One way to optimize this card is to pair it with another rewards card that earns a higher bonus rate in your top spending categories. For example, you could get a card that rewards you three points per dollar or more on groceries and gas, and then any spending outside of those categories, you can use the Bank of America® Travel Rewards Credit Card and earn the 1.5 points per dollar rate, which is typically higher than the one-point base rate many tiered rewards cards have.

Editor's Take

The Bank of America® Travel Rewards Credit Card can be a good card for fee-averse consumers who want a credit card with a straightforward rewards structure. The rewards you earn are flexible; you can redeem them with any hotel or airline and with no blackout dates. This card can be especially beneficial for Preferred Rewards members, who can earn 25% to 75% more points on each purchase. If you prioritize a card with more earning power in specific categories, then you’re better off shopping around.

Current Welcome Offers 

You can earn 25,000 online bonus points , worth $250 in statement credit toward travel and dining purchases with the Bank of America® Travel Rewards Credit Card if you spend $1,000 in purchases in the first 90 days of account opening .

How to Maximize Rewards With Bank of America® Travel Rewards Credit Card

Earning rewards with the Bank of America® Travel Rewards Credit Card is simple. With no bonus categories, this card earns an unlimited 1.5 points per dollar on every purchase. You can maximize your rewards by earning 25,000 online bonus points if you spend at least $1,000 in purchases in the first 90 days of account opening . That can be a $250 statement credit toward travel purchases.

You have redemption flexibility as well. When you use your card to pay for travel or dining purchases, including flights, hotel stays, vacation rentals, baggage fees, restaurants or takeout, you can redeem rewards for a statement credit.

You’ll get the best redemption value when you redeem your points for a travel credit. One point is worth 1 cent, which means 2,500 points equal $25. Points redeemed for cash are worth just 0.6 cent, so that same 2,500 points translates to $15, and gift card redemption value varies.

Comparing the Bank of America® Travel Rewards Credit Card With Other Credit Cards

U.s. news credit card rating methodology, alternative pick.

On Wells Fargo 's Website.

Wells Fargo Autograph℠ Card

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

Bank of America Travel Rewards Credit Card review: The no-fuss card for casual travelers

This card offers straightforward rewards but lacks some premium travel benefits and flexible redemption options found on other travel cards.

Marc Guberti

Marc Guberti is a Certified Personal Finance Counselor (CPFC) and Bankrate contributor. He also writes articles on finance and investing for US News & World Report, InvestorPlace, Benzinga, and other publications.

Hanna Horvath CFP®

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Bankrate's senior editor of content partnerships.

Updated August 1, 2024, 10:40 AM EDT

Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc. (Credible), which is majority-owned indirectly by Fox Corporation. The Fox Money content is created and reviewed independent of Fox News Media. Credible is solely responsible for this content and the services it provides.

Advertiser disclosure: Content provided by Bankrate.com. Fox and its content partners earn compensation from the affiliate companies below. This content doesn’t include all available offers, and compensation may impact how and where links appear in the content.

The Bank of America Travel Rewards credit card is a no-annual-fee travel card. It offers simple, flat-rate rewards that works for budget-conscious travelers and everyday spenders. 

Cardholders earn unlimited 1.5X on all purchases, with no categories to track or activate. For Bank of America customers, the card offers even more value, as Preferred Rewards members can boost their earning potential up to 2.62 points per dollar.

While the card may not offer the premium travel perks found on other travel cards, its simplicity, competitive welcome bonus, and 0% intro APR may offer some value for less frequent travelers. 

Fox Money rating: 7.6/10

The Bank of America Travel Rewards card is a solid choice for casual travelers who want a no-annual-fee card with simple, flat-rate rewards, especially those who are already bank customers.

How the Bank of America Travel Rewards Credit Card works

The Bank of America Travel Rewards card is a rewards card meant for those who prefer simplicity and value. Here are the key things to know about this card:

• Rewards: Earn 1.5X points on all purchases, with no categories to track or activate
• Welcome bonus: Earn 25,000 bonus points (a $250 value) after spending $1,000 on purchases within the first 90 days of account opening
• Annual fee: $0
• Introductory APR offer: 0% APR on purchases for the first 15 billing cycles and balance transfers made in the first 60 days, then a variable APR of 19.24% to 29.24%. 
• Redemption options: You can redeem points for statement credits toward travel and dining purchases at 1 cent per point. You can also redeem points for cash or gift cards but at a potentially lower value.
• Additional benefits: No foreign transaction fees, Visa Signature benefits, and optional Balance Connect to help prevent overdrafts when you link your Bank of America checking account.
• No annual fee
• Flat 1.5X points on all purchases
• Potential to boost rewards up to 75% as a Preferred Rewards member
• No foreign transaction fees
• 0% intro APR offer
• Straightforward redemption for travel and dining
• Solid welcome bonus for a relatively low spend
• No blackout dates or travel restrictions
• Simple reward structure with no categories to track
• Lower base earn rate compared to some competing travel cards
• Lacks bonus categories for travel or other expenses
• Minimal travel benefits and protections
• No option to transfer points to travel partners
• Highest reward rates require high Bank of America account balances
• No luxury travel perks (like lounge access or travel credits)
• Cash and gift card redemptions may offer less value than travel redemptions
• No option to boost point value through a travel portal
• May not provide enough value for frequent travelers compared to premium travel cards

Bank of America Travel Rewards Credit Card rewards

The Bank of America Travel Rewards card offers a basic rewards program that allows cardholders to earn points on every purchase. The card is particularly rewarding for those who use Bank of America as their primary financial institution, thanks to the Preferred Rewards program. Let's examine how you can earn and redeem points with this card.

Earning rewards

Cardholders can earn an unlimited 1.5X for every dollar spent on all purchases. This flat-rate earning system makes it easy to accumulate points without tracking bonus categories or adjusting your spending habits.

While some travel cards with annual fees offer higher earning rates in specific categories, the Bank of America Travel Rewards card’s flat-rate structure is competitive among no-annual-fee cards. Big spenders who frequently make travel purchases might find more value in a card with bonus categories and an annual fee.

Boost your earnings with Preferred Rewards

Bank of America customers can maximize their earning potential by enrolling in the Preferred Rewards program. This program offers bonus points based on your total qualifying Bank of America and Merrill accounts. There are three tiers, each with a different bonus level:

• Gold tier (minimum $20,000 combined balance): 25% bonus on points earned (1.875 points per $1)
• Platinum tier (minimum $50,000 combined balance): 50% bonus on points earned (2.25 points per $1)
• Platinum Honors tier (minimum $100,000 combined balance): 75% bonus on points earned (2.625 points per $1)

The Preferred Rewards comes with other benefits, including higher rates on savings accounts and lower interest rates on loans. Bank of America customers can increase their earning potential without paying an annual fee if they maintain a high account balance. This feature sets the Bank of America Travel Rewards Credit Card apart from many of its competitors.

Redeeming rewards

When it comes to redeeming your hard-earned points, the Bank of America Travel Rewards card offers flexibility. You can redeem points for statement credits to offset a wide range of travel and dining purchases, including:

• Vacation packages
• Rental cars
• Baggage fees
• Restaurants

Each point is worth 1 cent when redeemed for travel and dining, a standard redemption value for no-annual-fee cards. For example, 25,000 points are worth a $250 statement credit towards eligible purchases.

While points can also be redeemed for cash or gift cards, the redemption value may be lower. To get the most value out of your points, it's best to use them for travel or dining credits. 

Bank of America Travel Rewards Credit Card benefits

While this card may not provide the same perks as some premium cards, it still packs somewhat of a punch with its sign-up bonus and introductory APR offer.

Sign-up bonus

New cardholders can earn 25,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening. When redeemed for travel and dining purchases, these bonus points are worth $250.

Compared to other no-annual-fee cards, the Travel Rewards card’s sign-up bonus is competitive. For example, the Wells Fargo Autograph℠ Card offers 20,000 bonus points (worth $200 in cash redemption) after spending $1,000 on purchases within the first three months.

0% introductory APR offer

The Travel Rewards card features a 0% introductory APR on purchases — and balance transfers made in the first 60 days — for the first 15 billing cycles. 

This offer can provide savings if you want to finance a large purchase or pay down existing debt without interest. After the introductory period, a variable APR of 19.24% to 29.24% applies.

Additional perks

While the Travel Rewards card does not offer premium perks like lounge access or travel insurance, it has some notable features.

• BankAmeriDeals: Users can activate limited-time offers to earn 5-50% extra cash back at select merchants. 
• Visa Signature benefits: This may include extended warranty protection, concierge services, roadside assistance, lost luggage reimbursement, and travel emergency assistance. Cardholders should contact Bank of America to confirm the specific features available on their card.
• Museums On Us: This program provides free admission to over 225 cultural institutions during the first weekend of each month. 

Some competing no-annual-fee cards, like the Capital One Venture Rewards Card, offer added benefits such as trip cancellation insurance, lost or damaged luggage protections, and up to $100 credit for Global Entry or TSA PreCheck. These perks are more commonly found on travel cards with annual fees.

Bank of America Travel Rewards Credit Card fees & charges

While the Bank of America Travel Rewards card doesn't charge an annual fee, cardholders should be aware of other potential costs. 

Interest rates

The Bank of America Travel Rewards card has a variable APR of 19.24% to 29.24% for purchases. This APR range is comparable to other credit cards, including travel rewards cards. If you carry a balance from month to month, you'll be subject to interest charges based on your APR.

Balance transfers are subject to the same APR as purchases. The card offers a 0% introductory APR for the first 15 billing cycles for balance transfers within the first 60 days. After the introductory period ends, the standard APR applies.

Cash advances have a higher variable APR and no grace period, meaning interest starts accruing immediately. 

If you miss a payment or your payment is returned, you may be subject to a penalty APR of up to 29.99%. This higher APR can significantly increase the cost of carrying a balance on your card.

There are a few other fees associated with the Bank of America Travel Rewards card:

• Balance transfer fees: There is a 3% balance transfer fee for the first 60 days after account opening, with a minimum fee of $10. After 60 days, the fee increases to 4% (minimum $10). 
• Cash advance fees: Cash advances incur a fee of 4% of the amount advanced (minimum $10). 
• Late payment fees: If you miss a payment due date, you may be charged a late payment fee of up to $40.

One benefit of the Travel Rewards card is that it doesn't charge foreign transaction fees. This can save you money when making purchases abroad, as many other cards charge a fee of 3% or more.

How the Bank of America Travel Rewards Credit Card compares

It's a good idea to evaluate how the Bank of America Travel Rewards Credit Card compares to other travel cards.

Bank of America Travel Rewards Credit Card vs. Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card is a no-annual-fee travel rewards card that offers a slightly lower earning rate. With this card, you'll earn 1.25X miles on all purchases and 5X miles on travel booked through Capital One. 

If you prefer a slightly higher earning rate and don't mind a higher spending requirement for the sign-up bonus, the Bank of America Travel Rewards Credit Card may be the better choice. If you value the Capital One brand or prefer a lower spending requirement for the sign-up bonus, consider the VentureOne. 

Bank of America Travel Rewards Credit Card vs. Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card is another no-annual-fee travel rewards card with tiered rewards. Cardholders earn 3X points on dining, travel, gas stations, transit, popular streaming services, and phone plans and 1X on all other purchases.

The Autograph Card also offers a sign-up bonus of 20,000 bonus points when you spend $1,000 in purchases in the first three months, worth a $200 cash redemption value. It also offers a solid intro APR offer on purchases but no APR offer on balance transfers. 

For those who spend heavily in the Autograph Card's bonus categories, this card may offer more value than the Bank of America card. If your spending is more varied or you prefer a flat-rate earning structure, the Bank of America card may be a better fit.

Who should consider the Bank of America Travel Rewards Credit Card?

This card is a great option to earn travel rewards without paying an annual fee. The flat-rate earning structure means you'll earn consistent 1.5X points on all purchases, making it easy to accumulate rewards over time.

This card is ideal for those who prefer a no-fuss approach to earning and using travel rewards. Plus, if you already have a relationship with Bank of America, you can boost your earning rate through the Preferred Rewards program.

On the other hand, if you're a frequent traveler who spends heavily on travel and dining, you may get more value from a card with higher earning rates in those categories, even if it comes with an annual fee. 

How we rated this card

Every credit card review we publish has undergone a rigorous editorial process to ensure accuracy and objectivity.

We rate all credit cards on a 10-point system, with 10 being the highest possible score and 1 being the lowest possible score. We assess each card across several key factors, weighted based on what our research shows matters most to readers like you. Learn more about our methodology here .

The bottom line

The best travel rewards card for you will depend on your spending habits, travel preferences, and financial goals. By carefully comparing the features and benefits of different cards, you can find the one that aligns best with your needs.

Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.

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Bank of America® Travel Rewards vs.   Citi® Diamond Preferred® Card

Choose the BofA Travel Rewards for earning unlimited travel points or the Citi Diamond Preferred Card for paying down debt with its long 0% intro APR on balance transfers.

Doug Milnes, CFA

Head of Credit Cards at MoneyGeek

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets. Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

Venus Zoleta

Senior Content Editor

Venus Zoleta is a Senior Content Editor at MoneyGeek, with over six years of experience covering personal finance topics. She has written in-depth articles on credit cards, loans, insurance and fintech for a leading financial platform in the Philippines. She also brings 20 years of experience in journalism, corporate communications and digital marketing. Zoleta holds a Bachelor of Arts degree in journalism from the University of the Philippines.

Updated: August 8, 2024

Advertising & Editorial Disclosure

• Which Card Is Better?
• Head-to-Head Comparison

Methodology

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies .

The Bank of America® Travel Rewards and the Citi® Diamond Preferred® Card have good introductory APR periods and no annual fees. The BofA Travel Rewards is better for earning travel rewards , offering unlimited 1.5 points per $1 on all purchases and a 25,000-point welcome bonus. The Citi Diamond Preferred is excellent for balance transfers , with a longer 0% APR period of 21 months.

• Card Detail Comparison Regular APR 19.24%–29.24% variable 18.24% - 28.99% variable 0% APR Offer 0% for 15 billing cycles on purchases 0% for 12 months on purchases Intro Offer Earn 25,000 points Earn 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. No current offer This card doesn't offer cash back, miles, or points Rewards Summary Earn 1.5 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. - This card doesn't offer cash back, miles, or points Balance Transfer Offer 0% for 15 billing cycles on balance transfers 0% for 21 months on balance transfers Balance Transfer Fee 3% for 60 days from account opening, then 4% 5% of each balance transfer; $5 minimum Annual Fee $0 $0 Recommended Credit 670–850 (good to excellent) 670-850 (Good to Excellent) Penalty APR Up to 29.99% variable Up to 29.99% variable, may apply indefinitely for late payment or returned payment Not sure? Check our review Check our review

Which Card Is Better for You?

You might prefer the BofA Travel Rewards if you travel often and want to earn points on every purchase. With this card, you’ll earn unlimited 1.5 points per $1 spent, redeem points for travel-related expenses and enjoy no foreign transaction fees.

You might prefer the Citi Diamond Preferred if you want to save on interest with balance transfers. It offers a long 0% introductory APR on balance transfers and includes free FICO® Score access and Citi Entertainment®.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements and rewards will help you choose the card that fits your needs. For example, BofA Travel Rewards' travel points might appeal to you. If you need to consolidate debt, Citi Diamond Preferred's longer 0% APR on balance transfers could save you more on interest.

Regular APR: Citi Diamond Preferred

The Citi Diamond Preferred has a lower regular APR, starting at 18.24%, lower than the BofA Travel Rewards' 19.24%.

Annual Fee: Tie

The BofA Travel Rewards and the Citi Diamond Preferred have no annual fee, helping cardholders avoid extra costs.

Introductory 0% APRs: Citi Diamond Preferred

The Citi Diamond Preferred has a longer 0% APR on balance transfers — 21 months versus BofA Travel Rewards' 15 billing cycles. Despite its higher 5% balance transfer fee, the Citi Diamond Preferred is better for transferring and paying down existing balances.

Rewards: BofA Travel Rewards

The BofA Travel Rewards offers unlimited 1.5 points per $1 spent on all purchases. Points don't expire and can be redeemed for travel, dining or cash back. The Citi Diamond Preferred doesn't offer any rewards.

Welcome Offers: BofA Travel Rewards

The BofA Travel Rewards gives 25,000 bonus points after spending $1,000 in the first 90 days, equivalent to a $250 statement credit for travel. The Citi Diamond Preferred has no welcome bonus.

Recommended Credit Score: Tie

Both cards require a good to excellent credit score of 670–850.

Penalties and Fees: BofA Travel Rewards

The BofA Travel Rewards has no foreign transaction fees, while the Citi Diamond Preferred charges a 3% foreign transaction fee. Both cards have similar late and cash advance fees.

Issuer Satisfaction: BofA Travel Rewards

Customers report higher satisfaction with Bank of America, the issuer of BofA Travel Rewards, rating it 4.5 compared to Citi’s 4.1.

Other Features and Perks: Tie

The BofA Travel Rewards gives 25% to 75% more points on every purchase to Preferred Rewards® members. The Citi Diamond Preferred offers special event access through Citi Entertainment® and free FICO® Score access.

MoneyGeek uses a tailored scoring system to evaluate credit cards like the BofA Travel Rewards and the Citi Diamond Preferred based on various use cases. This ensures you get relevant, unbiased information to choose the card that best fits your needs.

This comparison focuses on balance transfers, considering factors like the quality of the balance transfer offer and the terms of the 0% APR on purchases. For more details on our ranking process, you can review our ranking methodology .

FAQ: BofA Travel Rewards vs. Citi Diamond Preferred Card

The BofA Travel Rewards lets you earn 1.5 points per $1 on all purchases and enjoy travel rewards with no foreign transaction fees.

The Citi Diamond Preferred offers a 0% introductory APR on balance transfers for 21 months.

The BofA Travel Rewards comes with no foreign transaction fees .

The Citi Diamond Preferred doesn't offer rewards. However, its long 0% APR period allows you to save money with balance transfers .

With the BofA Travel Rewards, you can earn 25,000 bonus points after spending $1,000 in the first 90 days. That’s a $250 statement credit for travel purchases.

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

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Bank of America Travel Rewards: 3 Surprising Ways You Can Redeem Your Points

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What do fortunetellers, dolphinariums and art galleries all have in common?

Well, not much, really — except for the fact that, according to the Bank of America® Travel Rewards credit card ’s terms and conditions, they all count as travel purchases. That's one reason this card, which has a broader definition of travel expenses than almost any other travel card on NerdWallet, as well as no annual fee, could save you hundreds on an unconventional vacation. (Another reason is that points can be redeemed for restaurant purchases, too.)

What are 'travel purchases'?

Just because you buy something while you're on vacation, it doesn't automatically count as a "travel purchase." Card issuers define purchases according to Merchant Category Codes or MCCs — four-digit numbers that show up on the purchase lines of your credit card statement. Payment networks assign MCCs to businesses based on their industry, and card issuers decide which ones count as travel. As such, the definition of "travel purchases" varies widely from issuer to issuer.

For cards that let you redeem points or miles for travel statement credit, that definition matters because it determines how you can use the rewards you earn. With the Bank of America® Travel Rewards credit card , for example, you earn 1.5 points for every $1 you spend on anything. You can then redeem those points for a credit against travel purchases. The more things count as "travel," the greater the flexibility of your rewards.

Just about every travel card classifies airline and hotel costs as travel purchases, but the Bank of America® Travel Rewards credit card takes the definition a lot further, offering a laundry list of possible redemption options rarely offered by other issuers.

If you have the Bank of America® Travel Rewards credit card , here are three surprising travel redemptions you could take advantage of on your next trip.

1. If you book stays through HomeAway, VRBO or VacationRentals.com: 'Real Estate Agents and Managers – Rentals'

What it means: “Real Estate Agents and Managers – Rentals” (MCC 6513) includes certain non-hotel lodging, such as cabin rentals and bed & breakfasts.

Why it’s awesome: In the past, the popular vacation sites HomeAway, VRBO and VacationRentals.com (all of which are owned by HomeAway) have been classified as real estate. On most cards, this would mean you couldn't redeem your rewards for a travel credit for your stay, but with the Bank of America® Travel Rewards credit card , it's a different story.

If you want to pay for your stay with points, find a property owner who accepts credit cards through the booking site's payment tools, rather than someone who accepts payments only through PayPal or by personal check. You'll have to pay a processing fee , which exceeds the rewards you'll earn on the rental itself, but if you really want to use your points for your stay, it might be worth it.

Airbnb, another peer-to-peer rental marketplace, is typically classified as “Travel Agencies and Tour Operators,” not as real estate. But since travel agencies are also included in Bank of America®’s definition of travel, you’ll still be able to redeem your travel points for these stays if you put them on your card.

2. If you’re going on a family road trip: 'Motor Home and Recreational Vehicle Rental'

What it means: "Motor Home and Recreational Vehicle Rental" (MCC 7519) includes companies that rent out RVs and campers. Although many credit card issuers include car rental companies in their definition of travel, most exclude RV rentals.

Why it’s awesome: In most states, you can rent a six-person camper for around $100 per night. Even after factoring in the cost of gas, this can be much less expensive than staying at hotels if you’re traveling with a large family. Book the rental with your Bank of America® Travel Rewards credit card , and you’ll be able to redeem your points to cover the cost, or a portion of the cost.

3. If you’re going to Disneyland or Six Flags: 'Amusement Parks, Carnivals, Circuses, Fortune Tellers'

What it means: Historically, the "Amusement Parks, Carnivals, Circuses, Fortune Tellers" category (MCC 7996) has included Disneyland and Six Flags, as well as several smaller theme parks. If you happen to visit a fortuneteller on your trip, that will most likely be included too.

Why it’s awesome: Even though amusement parks are popular vacation destinations for families, the Bank of America® Travel Rewards credit card is the only general travel card on NerdWallet that includes this MCC in its definition of “travel.” If most of your vacation budget is spent on visiting parks with roller coasters, carousel rides and water slides, a card with this kind of redemption flexibility could make your next getaway a lot less expensive.

More travel categories

To be sure, the Bank of America® Travel Rewards credit card includes many other categories in its definition of travel. Here’s a complete list of everything that’s included, in the language provided in the card's terms and conditions:

Airlines, Air Carriers (representing individual major airline carriers, and Airlines/Air Carriers)

Lodging – Hotels, Motels, Resorts (representing individual major hotel/motel chains and Hotels/Motels/Resorts)

Car Rental Agencies (representing individual major agencies; and Automobile Rental Agency)

Cruise Lines

Travel Agencies and Tour Operators

Taxicabs and Limousines

Passenger Railways

Transportation – Suburban and Local Commuter Passenger, including Ferries

Transportation Services – not elsewhere classified

Real Estate Agents and Managers — Rentals

Campgrounds and Trailer Parks

Motor Home and Recreational Vehicle Rental

Tourist Attractions and Exhibits

Art Dealers and Galleries

Amusement Parks, Carnivals, Circuses, Fortune Tellers

Aquariums, Dolphinariums, Zoos, and Seaquariums

Boat Leases and Boat Rentals

Recreation Services — not elsewhere classified

If your travel expenses are all over the map, the Bank of America® Travel Rewards credit card might be the card for you. Read NerdWallet’s full review of this card to find out if it’s a good match.

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-5% Enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Up to $300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X 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.

75,000 Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Bank of America Travel Rewards credit card benefits guide

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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

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Key takeaways

• The Bank of America Travel Rewards credit card is considered a starter travel rewards card, and for good reason. It doesn’t have the robust benefits found with many other travel credit cards — but that doesn’t mean it’s not useful for some.
• Bank of America Preferred Rewards program members can get more out of this card with their boosted earnings rate.
• Because Bank of America’s definition of “travel” is less strict than other issuers, cardholders can get travel credits for more than just airfare, hotels and related purchases.

If you like to adventure or have a few big trips coming up, you might be considering getting a travel credit card to supplement your budget by earning rewards. Most people don’t want to start off with a premium travel credit card, which comes with steep annual fees and rewards systems that can feel confusing to navigate. That’s where the Bank of America® Travel Rewards credit card might come in.

This Bank of America credit card has no annual fee but still offers enough benefits to get you started on your award travel journey. It also earns a flat rate of 1.5X points on all purchases. Although you’ll get the most out of this card as a Bank of America Preferred Rewards member — an invite-only program based on the sum of your deposits with the bank — it might still be a worthwhile card to consider.

To help potential cardholders understand what this card promises, we’ve made this benefits guide.

The Bank of America Travel Rewards credit card’s rewards benefits

While the Bank of America Travel Rewards credit card doesn’t offer much in terms of specific category rewards, it does still have its benefits when it comes to deals, redemption options and boosted rates.

Welcome bonus and intro APR offer

The Bank of America Travel Rewards credit card offers a solid welcome bonus that’s easily attainable for most cardholders. You can earn 25,000 points when you make $1,000 in purchases within 90 days of account opening. That’s about $250 worth of travel credits.

In addition to the welcome bonus, cardholders also get a 0 percent introductory annual percentage rate (APR) for 15 months on both purchase and balance transfers, but balance transfers do come with a 3 percent balance transfer fee and must be made within 60 days of account opening. After the introductory period ends, the ongoing variable APR of 19.24 percent to 29.24 percent takes over.

Varied redemption options

You can redeem your rewards points in a variety of ways, including as:

• Statement credits in an eligible Bank of America or Merrill account. This could add up if you decide to use the card as an everyday spending card.
• Cash deposits in an eligible Bank of America or Merrill account. The best part is that your cash redemptions don’t lose value, as with some rewards credit cards .
• Travel credits for purchases up to 12 months after the date of purchase. However, there’s a redemption minimum of 2,500 points, which is equal to about $25.
• Statement credits for dining and takeout purchases. Bank of America considers this to be a pretty broad category, meaning that in addition to restaurants, you can possibly get statement credits for purchases from bars, lounges and nightclubs.
• Gift cards. This redemption option only gives your points a value of 0.6 cents apiece and has a redemption minimum of 3,125 points.

Boosted rewards rates with the Bank of America Preferred Rewards Program

If you’re part of the Bank of America Preferred Rewards program , you’ll earn up to 75 percent more in rewards for each dollar you spend on your Travel Rewards card. The only requirement is to maintain a minimum balance in your eligible Bank of America or Merrill investing accounts. The minimum balance for each tier is as follows:

Though you need to maintain a significant amount of money on deposit with the bank to qualify for these tiers, you’ll find that it can really boost your earnings with the Travel Rewards card. At the highest tier, you could earn up to 2.62 points for every dollar spent on the card.

BankAmeriDeals

The BankAmeriDeals program gives you access to exclusive discounts by using your card at eligible retailers for a specific period of time. You can save anywhere from 5 percent to 15 percent on certain purchases by activating your offer and using your card according to the offer details. Some common retailers include:

• 1-800 Flowers
• The Home Depot
• Ulta Beauty

The Bank of America Travel Rewards credit card’s travel benefits

As a more entry-level travel card, the Bank of America Travel Rewards card lacks some of the more common travel benefits, like credits towards TSA PreCheck or Global Entry. There’s also no lounge access, travel insurance or annual credits. Instead, the card offers the following travel benefits:

No foreign transaction fees

Foreign transaction fees are typically 1 percent to 3 percent of a purchase, which can add up quickly depending on where you’re shopping. If you plan to travel abroad or shop internationally while online, you at least won’t bust your travel budget with these extra fees.

No annual fee

Most travel rewards credit cards charge an annual fee to pay for all of the perks they offer — especially if they’re branded as luxury travel credit cards. These cards can have fees as high as $695. However, while the Bank of America Travel Rewards credit card has no annual fee, it also doesn’t have nearly the same level of perks and benefits, so you’ll have to decide whether paying a fee is worth what you get with this card.

Visa Signature benefits

As a Visa Signature® card, the Bank of America Travel Rewards credit card also offers:

• Visa Signature® Concierge services
• Extended warranty coverage
• Access to roadside dispatch for emergency vehicle assistance
• Travel and emergency assistance

Broad travel categories

One benefit of the Bank of America Travel Rewards credit card that you don’t always see with other travel cards is how varied its definition of “travel” truly is. You can get travel statement credits for purchases with:

• Hotels and motels
• Trailer parks, motorhomes and recreational vehicle rentals
• Campgrounds
• Car, truck, trailer and boat rentals
• Cruise lines
• Travel agencies, tour operators and real estate agents
• Passenger trains
• Taxis, ferries and limousines
• Parking lots and garages
• Tolls and bridge fees
• Tourist attractions and amusement parks
• Art galleries and museums
• Carnivals and circuses
• Aquariums and zoos

Museums on Us

This unique benefit allows Bank of America cardholders to get free access to over 225 cultural institutions during the first weekend of each month. The program is perfect for those who love planning day trips or those who have a list of museums they’ve been excited about seeing. To take advantage of this perk, all you have to do is present your Bank of America debit or credit card and a valid photo ID.

How to maximize the Bank of America Travel Rewards credit card

This card’s flat rewards rate of 1.5X points for all purchases makes maximizing the Bank of America Travel Rewards credit card fairly easy — just use it on everyday purchases to see the points rack up.

Combine this card with another

However, you still might not get much out of just this card alone at the end of the day. To truly maximize your rewards, consider pairing this card with one that has a higher reward rate in specific spending categories. For example, you can get a rotating category credit card like the Discover it® Cash Back or a dining and entertainment card like the Capital One SavorOne Cash Rewards credit card . Then, you can use your Bank of America card to fill in the gaps for spending categories that won’t get boosted rewards with your other card.

Take advantage of the intro APR offer

If you’ve got a big purchase on the horizon or want to get rid of some credit card debt, the introductory APR can help you avoid interest. Just make sure you pay off your balance before the intro period ends and factor in the balance transfer fee as you pay off your debt.

Use this card for travel in niche categories

As we mentioned before, Bank of America has a much broader definition of what counts as “travel.” While you might get more rewards with another travel credit card when it comes to airfare or hotel stays, you likely won’t find many others that let you redeem travel credits for parking lot fees, tolls, campground rentals, museums or zoos. This card can come in handy for those kinds of expenses.

The bottom line

The Bank of America Travel Rewards isn’t the very best travel credit card out there. For most people, they’d be better off with a card that offers a higher travel rewards rate or even with a flat-rate cash back card like the Citi® Double Cash Card , which offers up to 2X rewards (1% when you buy 1% as you pay) on all spending.

But for those who meet Bank of America Preferred Rewards requirements, the card could provide substantially more value. Plus, it could be appealing to someone that wants their travel rewards to be useful for more than just airfare and hotels, or someone who is just getting started on their travel rewards journey . But even then, there are likely better cards available for you to take your travels to the next level.

Issuer-required disclosure statements

Information about the Bank of America® Travel Rewards credit card was last updated on May 8, 2024. 

Citi is an advertising partner.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

“ Museums On Us ” Bank of America. Accessed on February 5, 2024.

Hidden benefits of the Bank of America Travel Rewards card

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Bank of America Travel Rewards Credit Card Review

Discover it® Student Chrome Credit Card Review 2024

Discover it® student chrome.

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much can be matched.

Expert Take: When other cards offer an unlimited 2% cash back on all spending, seeing a quarterly cap on the Discover it® Student Chrome’s rewards is disappointing. Still, the card is offered to students with no credit score, making it a viable alternative for students looking to build credit.

• Offered to students with no credit score
• No annual fee
• Simple cash back rewards redemptions
• Bonus category rewards are capped at $1,000 in spending each quarter (then 1%)
• No consumer insurance benefits like extended warranty or purchase protection
• Other cards offer more generous rewards to students

Vault’s Viewpoint on the Discover it® Student Chrome

If you’re attending university, some considerable expenses are in your future—from textbooks to a new laptop to even furnishing your dorm room. How do you reckon you’ll pay for it?

The Discover it® Student Chrome is a top-tier student credit card that can help you with this very situation. It comes with 0% intro APR for six months on purchases (then 18.24% – 27.24% variable) to help you quickly pay off large purchases without incurring nightmarish interest.

Even better, the card earns rewards. Some of the most common purchases among students are for eating out and at gas stations. It’s not a coincidence that the Discover it Student Chrome rewards you the most for these transactions.

But here’s the card’s best perk: It doesn’t require a credit history for approval. While many students have a credit profile because of student loans, becoming an authorized user on another person’s credit card or taking out a car loan, a card explicitly offering credit to students with no credit score fills a need. This type of offering can be especially helpful to students who have no credit history in the United States.

Discover it® Student Chrome Highlights

• Annual fee: $0

Welcome bonus: Through Discover’s Cashback Match program, receive an unlimited cash back match of all of the cash back you earn in your first year

Earning Rewards With the Discover it® Student Chrome

The Discover it® Student Chrome earns rewards on every purchase, plus the card automatically matches all of the cash back you earn at the end of your first year. Here are the details:

• 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter (then 1%)
• 1% back on all other purchases

Redeeming Rewards

Most Discover it® Student Chrome credit card holders will want to redeem rewards for cash back through Discover’s website. Discover offers cash back redemptions at any amount, plus an option to redeem rewards automatically. You can also redeem Discover it® Student Chrome rewards to pay for purchases on Amazon.com or where PayPal is accepted.

Rates and Fees

The Discover it® Student Chrome doesn’t charge an annual fee and offers a promotional APR on purchases and balance transfers. Here are the details:

• Intro APR on purchases: 0% intro APR for 6 months from account opening
• Intro APR on balance transfers: 10.99% intro APR for six months for transfers that post by November 10, 2024
• Regular APR: 18.24% to 27.24% variable
• Balance transfer fee: 3% for transfers that post to your account by November 10, 2024, under the promotional APR; 5% thereafter
• Foreign transaction fee: None
• Late payment fee: None the first time you pay late; up to $41 thereafter
• Penalty APR: None
• Cash advance fee: 5% (minimum $10)
• Cash advance APR: 29.99% variable

Discover it® Student Chrome Drawbacks

It’s hard to argue that the Discover it Student Chrome is a top-tier student credit card . But there’s always room for improvement. Here are a couple shortcomings that you should be aware of.

Bonus Categories Are Capped

Again, the Discover it Student Chrome offers practical 2% bonus categories that complement the spending habits of many students. However, you’ll only receive this return for up to $1,000 in combined purchases per quarter—then 1%. All to say, you’ll only get a maximum of $20 per quarter ($40 per quarter during the card’s initial Cashback Match period).

This bonus cash limitation is notably tightfisted. Virtually all other credit cards that enforce a bonus rewards cap allow for $1,500 in spending per quarter (or more).

Low Minimum Earning Rate

After your first cardmember year in which you’ll receive Discover’s Cashback Match, the Discover it Student Chrome earns just 1% cash back for purchases that aren’t made with restaurants or gas stations. That’s a forgettable return, especially considering several other beginner cash back credit cards offer a minimum of 1.5% cash back.

It’s not that big of a deal; after all, the Discover it Student Chrome is meant to be a stepping stone to bigger and better cards. Just be aware that this card is far from the most lucrative option for common expenses like groceries and streaming services.

Discover it® Student Chrome Benefits

The Discover it® Student Chrome is light on benefits, but it includes a free credit scorecard and U.S.-based customer service.

• Free FICO credit scorecard: Get a free credit scorecard based on your TransUnion credit report.
• 100% U.S.-based customer service: Get connected to a U.S.-based customer service representative whenever you call Discover’s customer service center.

Who Is the Discover it® Student Chrome Best For?

If you have a limited credit history, it can be difficult to get approved for any credit card. With no credit score, getting a first credit card often means picking up a secured card and having some of your cash tied up in a security deposit. Fortunately, the Discover it® Student Chrome is available even to students with no credit score. If you’re a full-time student and want to get a first credit card, the Discover it® Student Chrome offers the possibility of approval and is a good alternative to a secured credit card.

Who Should Consider an Alternative to the Discover it® Student Chrome?

Most students who have a positive credit history should look at another credit card. Other student cards offer more rewards and better benefits. Also remember that you don’t have to limit yourself to student credit cards if you already have an income and an established credit history. If you’re working a part-time job and have established an on-time payment history with a car loan, student loan or other credit, an entry-level credit card like the Chase Freedom Unlimited® , for example, can offer you a better combination of rewards and benefits.

Even if you’re a student with no credit score, look at Discover’s other student credit card, the Discover it® Student Cash Back. The card’s high rewards in rotating bonus categories will likely earn you more rewards than you can rack up with the Discover it® Student Chrome.

How Does the Discover it® Student Chrome Stack Up to Its Competitors?

Most students will find that getting approved for a student credit card is their easiest path toward a first credit card and establishing a credit history. Here’s how the Discover it® Student Chrome stacks up to other student credit cards.

Discover it® Student Chrome vs. Discover it® Student Cash Back

Discover offers two student credit cards: the Discover it® Student Chrome and the Discover it® Student Cash Back . Both cards have a $0 annual fee, earn cash back rewards and are offered to full-time students. With either card, you’ll receive a Cashback Match welcome bonus, which matches all of the cash back you earn at the end of your first cardmember year.

With the Discover it® Student Cash Back, instead of 2% back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter, then 1%), you earn 5% cash back on up to $1,500 in spending each quarter on rotating bonus categories when you activate. Discover’s bonus categories have historically included useful categories like grocery stores, restaurants, gas stations, digital wallets and big box stores like Target and Walmart. If you keep track of your spending categories, chances are that you can earn more cash back with the Discover it® Student Cash Back.

Discover it® Student Chrome vs. Capital One SavorOne Student Cash Rewards Credit Card

The Discover it Student Chrome’s bonus categories are capped at $1,000 in quarterly spending (then 1%), but the Capital One SavorOne Student Cash Rewards Credit Card offers uncapped cash back on its bonus categories. For most students, the SavorOne Student can be a more rewarding card.

With the Capital One SavorOne Student, you earn 3% cash back on dining, entertainment, popular streaming services and grocery store purchases. Plus, Capital One Entertainment purchases get you 8% cash back, and Uber and Uber Eats purchases earn 10% cash back through November 14, 2024. Unless you’re using your card solely for gas purchases, you’re likely to earn more cash back with the SavorOne Student.

Discover it® Student Chrome vs. Bank of America® Travel Rewards Credit Card for Students

Most student credit cards don’t offer much of a welcome bonus, but the Bank of America Travel Rewards credit card for Students currently offers 25,000 points—worth a $250 statement credit toward dining and travel purchases—after spending just $1,000 on the card in the first 90 days. The card also features an intro APR on purchases and balance transfers.

For ongoing spending, the Bank of America Travel Rewards credit card for Students earns 1.5X points on all purchases, with no limits and no expiration dates. Note, the card’s points can’t be redeemed for cash back—you’ll need to use them for statement credits to offset purchases of flights, hotel stays, vacation packages, cruises, rental cars, baggage fees and dining purchases. If you’re a student who occasionally travels, you should be able to redeem points often enough for the card to make sense. If that’s you, the Bank of America Travel Rewards for Students can be a good choice for the simplicity of earning 1.5X points on every purchase.

Is the Discover it® Student Chrome Worth It?

The Discover it® Student Chrome won’t turn heads for generous rewards. But it does offer them, which can’t be said for every beginner credit card . For most full-time students, the Discover it® Student Cash Back or the Capital One SavorOne Student will offer more cash back. But the Discover it® Student Chrome is one of the few unsecured cards offered to people with no credit score.

If you’re a student, don’t have a credit score and want an unsecured card to build a credit history, the Discover it® Student Chrome is a reasonable choice. However, once you have built your credit score and can qualify for a non-student cash back card, you can almost certainly find a better card.

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Frequently Asked Questions

What is the credit limit for the discover it® student chrome.

If you’re approved for the Discover it® Student Chrome, your credit line will be at least $500. You may be offered additional credit based on your credit history.

What Credit Score Is Needed for the Discover it® Student Chrome?

You do not need a credit score to be approved for the Discover it® Student Chrome. If you have an established credit history, Discover will consider how you handle your other credit accounts when deciding whether to approve your application and how much credit to extend.

What Happens to a Discover Student Card When You Graduate?

When you graduate, Discover will upgrade your student card to a similar unsecured credit card. You don’t have to close your student credit card if you graduate or are no longer a full-time student.

Newsweek writer Joseph Hostetler contributed to this post.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The post Discover it® Student Chrome Credit Card Review 2024 first appeared on Newsweek Vault .

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Bank of america ® unlimited cash rewards, $200 online cash rewards bonus offer.

Earn unlimited 1.5% cash back on all purchases with no annual fee

Bank of America ® Customized Cash Rewards

$200 online cash rewards bonus offer and 3% cash back in the category of your choice.

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• 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases Calculate rewards
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• This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

† Terms & Conditions  for Bank of America ® Customized Cash Rewards credit card

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• Earn unlimited 1.5% cash back on all purchases Calculate rewards
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† Terms & Conditions  for Bank of America ® Unlimited Cash Rewards credit card

BankAmericard ®

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• 0% Intro APR † for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 16.24% - 26.24% will apply. 3% † Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4% .
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† Terms & Conditions  for BankAmericard ® credit card

Bank of America ® Travel Rewards

25,000 online bonus points offer (a $250 value) and no annual fee †.

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• Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open Calculate rewards
• Use your card to book your trip how and where you want with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases
• Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase. That means you could earn 1.87 to 2.62 points for every $1 you spend, everywhere, every time. Not enrolled? Learn more about Preferred Rewards Travel Rewards

† Terms & Conditions  for Bank of America ® Travel Rewards credit card

Bank of America ® Premium Rewards ®

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• Earn unlimited points , that don't expire as long as the account remains open – 2 points for every $1 spent on travel and dining purchases and 1.5 points per $1 on all other purchases . Calculate Rewards Premium Rewards
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• Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase. That means you could earn 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend. Not enrolled? Learn more about Preferred Rewards Premium Rewards

† Terms & Conditions  for Bank of America ® Premium Rewards ® credit card

Bank of America ® Premium Rewards ® Elite

75,000 online bonus points offer — a $750 value.

$550 annual fee † and no foreign transaction fees †

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• Earn unlimited 2 points for every $1 spent on travel and dining purchases , and unlimited 1.5 points for every $1 spent on all other purchases . No limit to the points you can earn and points don't expire as long as the account remains open. Calculate Rewards Premium Elite Rewards
• Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase. That means you could earn 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend.
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• You choose how you want to be rewarded . Redeem points for travel, cash back, a statement credit, distinctive experiences or gift cards. Plus, save 20% on airfare when you pay with points through the Bank of America Travel Center.
• This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank . You can take advantage of this offer when you apply now.

† Terms & Conditions  for Bank of America ® Premium Rewards ® Elite credit card

Bank of America ® Customized Cash Rewards for Students

3% cash back in the category of your choice, show more show less bank of america ® customized cash rewards credit card for students.

• 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases. Choose which category you want to earn 3% cash back in: gas and EV charging stations ; online shopping, including cable, internet, phone plans and streaming ; dining; travel; drug stores and pharmacies; or home improvement and furnishings To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same .
• Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO ® Score for free within Online Banking or your Mobile Banking app.

† Terms & Conditions  for Bank of America ® Customized Cash Rewards credit card for Students

Bank of America ® Unlimited Cash Rewards for Students

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• Earn unlimited 1.5% cash back on all purchases with no limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open

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BankAmericard ® for Students

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• Your card comes with our $0 Liability Guarantee and chip technology for additional security when used at chip-enabled terminals

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Bank of America ® Travel Rewards for Students

Start building your financial future.

No annual fee † and no foreign transaction fees †

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• Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open. Use your card to book your trip how and where you want with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases.
• 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of your account opening

† Terms & Conditions  for Bank of America ® Travel Rewards Credit Card for Students

Bank of America ® Customized Cash Rewards Secured

Help build your credit while earning 3% cash back in the category of your choice, show more show less bank of america ® customized cash rewards secured credit card.

• 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases. Choose which category you want to earn 3% cash back in: gas and EV charging stations ; online shopping, including cable, internet, phone plans and streaming ; dining; travel; drug stores and pharmacies; or home improvement and furnishings. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
• Open your account with a security deposit ($200-$5,000) . Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line. We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
• Build up your credit history – use this card responsibly and over time it could help you improve your credit score.
• Your financial health. Our Priority. Bank of America – Outstanding Customer Satisfaction with Financial Health Support – Banking & Payments, 2 years in a row
• Secured card products are not eligible for a new account bonus offer, like a cash rewards bonus offer, and introductory APRs are not available.

† Terms & Conditions  for Bank of America ® Customized Cash Rewards secured credit card

Bank of America ® Unlimited Cash Rewards Secured

Help strengthen or build your credit and earn unlimited cash back, show more show less bank of america ® unlimited cash rewards secured credit card.

• Build up your credit history — use this card responsibly and over time it could help you improve your credit score

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BankAmericard ® Secured

Help establish, strengthen - or even rebuild your credit with a card that's simple and convenient, show more show less bankamericard ® secured credit card.

• Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line.
• We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
• Secured card products are not eligible for a new account bonus offer, like a statement credit, and introductory APRs are not available.

† Terms & Conditions  for BankAmericard ® secured credit card

Bank of America ® Travel Rewards Secured

Help strengthen or build your credit and earn unlimited points, show more show less bank of america ® travel rewards visa ® secured credit card.

• Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open. Use your card to book your trip how and where you want with no black out dates and pay yourself back with a statement credit towards travel and dining purchases.
• Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line. We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
• Build up your credit history — use this card responsibly and over time it could help you improve your credit score.
• Secured card products are not eligible for a new account bonus offer, like a bonus points offer, and introductory APRs are not available.

† Terms & Conditions  for Bank of America ® Travel Rewards Visa ® secured credit card

Alaska Airlines Visa Signature ®

Limited time online offer: buy one ticket, get one for just the taxes and fees + 50,000 bonus miles, show more show less alaska airlines visa signature ® credit card.

• Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and receive 50,000 bonus miles with this offer . To qualify, make $3,000 or more in purchases within the first 90 days of opening your account. Plus, celebrate your account anniversary with Alaska's Famous Companion Fare™ every year that you spend at least $6,000 on purchases with your card.
• Free checked bag for any cardholder who purchases airfare with their card, and up to 6 additional guests traveling on the same reservation. Plus you'll enjoy priority boarding when you pay for your flight with your card , so you can get to your seat quicker.
• Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases including rideshare. Earn unlimited 1 mile per $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all miles earned on card purchases if you have an eligible Bank of America ® account.
• Flexibility with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.
• This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

† Terms & Conditions  for Alaska Airlines Visa Signature ® Credit Card

Susan G. Komen ® Customized Cash Rewards credit card

Help fight breast cancer and get a $200 online cash rewards bonus offer, show more show less susan g. komen ® customized cash rewards credit card.

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• Bank of America Preferred Rewards ® members earn 25%-75% more cash back on every purchase. That means the 3% choice category could earn 3.75% - 5.25% and the 2% at grocery stores and wholesale clubs could earn 2.50% - 3.50% , for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could earn 1.25% - 1.75% . Not enrolled? Learn more about Preferred Rewards

† Terms & Conditions  for Susan G. Komen ® Customized Cash Rewards credit card

Free Spirit ® Travel More World Elite Mastercard ®

Online offer: 50,000 bonus points + a $100 companion flight voucher.

$0 introductory annual fee for the first year. After that it's just $79 †

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• Earn 3 points per $1 spent on eligible Spirit purchases, 2 points per $1 spent on eligible dining and grocery store purchases and 1 point per $1 spent on all other purchases
• Earn 50,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening
• Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior anniversary year
• No limit to the points you can earn, no points expiration as long as your card account is open, and no redemption fees as a primary cardholder

† Terms & Conditions  for Free Spirit ® Travel More World Elite Mastercard ®

Allways Rewards Visa ®

Online offer: 25,000 bonus points.

Low $59 annual fee † and no foreign transaction fees †

Show More Show Less Allways Rewards Visa ® card

• Winner: Best Airline Credit Card , USA Today's 10Best Readers Choice Awards!
• Online Offer: Earn 25,000 Bonus Points – equal to $250 off a future Allegiant trip when you redeem points, after you make $1,000 or more in purchases within the first 90 days of account opening
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† Terms & Conditions  for Allways Rewards Visa ® card

Air France KLM World Elite Mastercard ®

Online offer: 50,000 bonus miles after qualifying purchases.

Low $89 annual fee † and no foreign transaction fees †

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• Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening
• 3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases
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• Get 60 XP upon approval to help advance to the next status for more generous perks

† Terms & Conditions  for Air France KLM World Elite Mastercard ®

Royal Caribbean Visa Signature ®

Online offer: 25,000 bonus points, show more show less royal caribbean visa signature ® credit card.

• Get 25,000 MyCruise ® bonus points after making at least $1,000 in purchases in the first 90 days of your account opening, worth $250 in onboard credit
• Earn 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brands, Celebrity Cruises ® and Silversea ®
• Earn 1 MyCruise point for every $1 spent on all other purchases
• Redeem your points for onboard credit, stateroom upgrades and cruise vacations on Royal Caribbean ® and our sister brands, Celebrity Cruises ® and Silversea ®

† Terms & Conditions  for Royal Caribbean Visa Signature ® Credit Card

Norwegian Cruise Line ® World Mastercard ®

Online offer: 20,000 bonus points, show more show less norwegian cruise line ® world mastercard ®.

• Online Offer: 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening. That's enough for a $200 onboard credit or $200 off your next Norwegian cruise .
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• Bank of America Preferred Rewards ® members earn a 25% - 75% points bonus on every purchase, applied to the base earn of 1 point per $1. Not enrolled? Learn more about Preferred Rewards Travel Rewards

† Terms & Conditions  for Norwegian Cruise Line ® World Mastercard ®

Celebrity Cruises Visa Signature ®

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• Earn 2 MyCruise ® points for every $1 spent on qualifying purchases with Celebrity Cruises ® and our sister brands, Royal Caribbean ® and Silversea ®
• Redeem your points for onboard credit, stateroom upgrades and cruise vacations on Celebrity Cruises ® , and our sister brands, Royal Caribbean ® and Silversea ®

† Terms & Conditions  for Celebrity Cruises Visa Signature ® Credit Card

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