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Bank of America Travel Rewards credit card benefits guide

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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.

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Benefits of the Bank of America Travel Rewards Card

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For frugal travelers, the Bank of America® Travel Rewards credit card is a perfect choice.

It charges an annual fee of $0 and features flexible, easy-to-redeem rewards.

Here’s what to know about its benefits.

» MORE: Complete card details for the Bank of America® Travel Rewards credit card

No annual fee

Right away, the Bank of America® Travel Rewards credit card 's annual fee of $0 sets it apart from other travel credit cards and makes it an excellent pick for budget-minded travelers. Even if you don’t spend much on this card, you’ll come out ahead in rewards as long as you don't carry a balance from month to month.

» MORE: NerdWallet's best no annual fee travel credit cards

Versatile rewards

Earning and redeeming points is simple on this card. You earn a flat 1.5 points per dollar spent on all purchases. Points can be redeemed as a statement credit toward a broad range of travel expenses , such as airline tickets, hotel stays, amusement park entry fees, RV rentals and more. General travel cards from other issuers tend to have narrower definitions of "travel," often leaving cardholders with fewer options when redeeming rewards. You can also redeem points for restaurant purchases.

Redemptions start at just 2,500 points, so you don’t have to make a big purchase to cash in rewards. Points are worth 1 cent apiece when redeemed for travel.

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Sign-up bonus

Like any good travel credit card, the Bank of America® Travel Rewards credit card starts you off with a sign-up bonus: 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. .

For a $0 -annual-fee card, that’s an excellent offer. The reasonable spending requirement makes it relatively easy to nab, too.

» MORE: NerdWallet review of the Bank of America® Travel Rewards credit card

Preferred Rewards

This straightforward card gets far more exciting if you keep a lot of money in Bank of America® or Merrill accounts. That’s because if you qualify for the bank’s Preferred Rewards program — by maintaining combined balances of $20,000 or more among eligible accounts — you can earn a higher rewards rate on this card (and all eligible Bank of America® credit cards), along with other benefits.

With combined balances of over $100,000, for example, you could earn 2.62 points per dollar spent on this card, according to the bank. Remember, you have to be enrolled in the Preferred Rewards program to get that boost.

No foreign transaction fees

This card charges no foreign transaction fees, so you won't have to deal with any annoying 3% charges while making purchases outside the U.S. That benefit, combined with the card's other budget-friendly features, regularly earns it a spot on our list of Best No Foreign Transaction Fee Credit Cards .

0% intro APR offer

The Bank of America® Travel Rewards credit card is one of the few travel cards that features a generous 0% APR period: It boasts 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 19.24% - 29.24% will apply . That can come in handy if you book a trip using the card and want to pay it off over a few months, instead of all at once. And while you’re floating that balance interest-free, you can score that sign-up bonus.

More about the card

Complete card details for the Bank of America® Travel Rewards credit card

NerdWallet review of the Bank of America® Travel Rewards credit card

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.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 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 a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 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.

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Advertiser Disclosure

How to use your rewards to book a trip through the Bank of America Travel Center

Some cardholders can earn bonus points on trips booked through the bank's travel center

Published: February 15, 2022

Author: Emily Sherman

Editor: Kaitlyn Tang

Reviewer: Liz Bingler

How we Choose

If you are a Bank of America travel cardholder, booking a trip through the bank’s travel center is a great option for redeeming points. However, you might be able to find a better deal on another booking platform.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

The Bank of America content was last updated on Feb. 14, 2022.

If you have the Bank of America® Travel Rewards credit card , Bank of America® Premium Rewards® credit card  or Bank of America® Business Advantage Travel Rewards World Mastercard® credit card* , you might have considered booking your next trip through the Bank of America Travel Center. However, does the Bank of America Travel Center offer good value, or are you better off redeeming points for an outside travel purchase?

Bank of America points are very flexible, and cardholders can book travel on a third-party travel site and redeem rewards for that purchase up to a year after it was made. That means you can hunt for a great deal without worrying about losing any point value. On the flip side, Bank of America Travel Rewards and Business Advantage Travel Rewards cardholders get a higher rewards rate on purchases made through the Travel Center – making it tempting to book through Bank of America.

What is the Bank of America Travel Center?

The Bank of America Travel Center is the bank’s travel booking platform, designed for travel rewards cardholders to easily redeem their points for flights, hotels and car rentals. Eligible cardholders can access the Travel Center directly from their online account to make booking their next vacation simple.

How to book a trip through the Bank of America Travel Center

When you sign into your Bank of America credit card account, you can view all the ways you can redeem your points. To get to the Travel Center right from this page, just select “Book now.”

Through your account, you’ll be able to search for a flight, hotel or car rental just like you would with any third-party booking site.

Booking flights

When you search for your preferred flight in the Bank of America Travel Center, you’ll be able to easily filter between your preferred airlines. Each search result has a score out of 10 to help you determine if it’s a good deal and flight path.

Booking hotels

Like booking a flight, booking a hotel on the Bank of America Travel Center is very straightforward. You just enter in information about your destination and travel dates. In the search results, some properties with good deals or temporary discounts are flagged as “Special Price” to help you ensure you find the best deal.

Booking car rentals

The final travel purchase you can book on the Bank of America Travel Center is a rental car. Once again, the search is very straightforward, and you’ll be presented with a wide variety of rental car providers.

Unfortunately, the Bank of America Travel Center doesn’t offer vacation packages, cruises, experiences or other kinds of travel purchases – like many other bank travel portals.

Drawbacks to booking travel through the Bank of America Travel Center

Though the Bank of America Travel Center is certainly easy to use, there are a few drawbacks to booking this way.

No hotel elite benefits

If you are part of a hotel loyalty program , you might not be able to take advantage of your elite status perks when you book through a third-party booking site. Since Bank of America points are flexible and can be redeemed for most travel purchases, frequent travelers who want to enjoy these benefits might be better off booking directly with the property itself and redeeming points for a statement credit after the fact.

Only Bank of America travel cardholders can book through the Travel Center

While some travel portals – like American Express Travel – allow anyone to book a trip on the site, the Bank of America Travel Center is limited to cardholders who earn travel rewards with the bank. If you have a checking or savings account with Bank of America or a card that just earns cash back, you can’t take advantage of the platform.

Is booking through the Bank of America Travel Center worth it?

While booking through the Bank of America Travel Center is certainly convenient, it doesn’t have much that separates it from booking on another site. You’ll get the same point value either way, and prices are competitive across booking platforms.

Bank of America Travel Center rates compared to other booking sites

In general, the prices you can find on the Bank of America Travel Center are competitive with rates on other sides. For example, take this flight from Charlotte to Chicago.

Whether you book the trip through Bank of America, United or Priceline, it’ll cost you the same amount.

Though prices are not typically better than other sites, there is one case where booking through Bank of America makes more sense. If you have a Bank of America Travel Rewards or Business Advantage Travel Rewards card, you get a higher rewards rate on purchases made through the portal. To quickly rack up points to use toward your next trip, book on the Bank of America Travel Center.

Tips for maximizing the Bank of America Travel Center

• Always compare prices to other booking sites to ensure you are getting the best deal. You can redeem points for a statement credit to cover an outside travel purchase.
• Pay any cost you can cover with points with a Bank of America Travel Rewards card or Business Advantage Travel Rewards card to earn bonus points on those purchases.
• Keep an eye out for special prices on hotels to save on your next trip.

Bottom line

The Bank of America Travel Center is a straightforward booking platform and an easy way to redeem your rewards. If you have a Bank of America Travel Rewards card, you can also earn extra points on purchases made there. However, since you can redeem points for an outside travel purchase retroactively, there aren’t many other perks to booking through Bank of America.

*All information about the Bank of America Business Advantage Travel Rewards World Mastercard credit card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Emily Sherman is a senior editor at CreditCards.com, focusing on product news and recommendations. She is also one of the founders of To Her Credit, a biweekly series of financial advice by women, for women. When she's not writing about credit cards, she's putting her own points and miles to use planning her next big vacation.

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BankAmericard benefits guide

The BankAmericard offers many compelling rewards and benefits, including 18 billing cycles of 0% APR promotional financing on both new purchases and balance transfers (followed by 12.99% to 22.99% variable APR). You can also receive a $100 statement credit if you meet the spending requirement, plus access to other valuable benefits. 

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Bank of America Travel Rewards Credit Card – Full Review [2024]

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Bank of America ® Travel Rewards Credit Card

25,000 points

0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 18.24% - 28.24% variable will apply.

Good to Excellent (670-850)

The Bank of America Travel Rewards card is a great option for those who want an easy way to earn travel rewards without paying an annual fee.

The Bank of America ® Travel Rewards credit card  is a great option for those looking to dip their toe into the world of travel rewards cards, without paying an annual fee.

The card makes earning points and redeeming them for travel super easy for cardholders.

Card Snapshot

Welcome bonus & info.

• 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.
• 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% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% – 28.24% Variable APR will apply. A 3% fee applies to all balance transfers made within the first 60 days, and a 4% fee applies thereafter.
• If you’re a 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.

Card Categories

Credit Card Reviews

• Travel Rewards Credit Cards
• No Annual Fee Cards
• 1.5x points per $1 you spend on all purchases
• No annual fee
• No foreign transaction fees
• Boost your rewards rate with the Bank of America Preferred Rewards program
• Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions

Great Card If

• You’re looking for an easy way to start earning travel rewards
• You have status in the Bank of America Preferred Rewards program

Don’t Get If

• You want a card that earns transferable rewards
• You want a card that offers more benefits

Bank of America Travel Rewards Card — Is It Worth It?

If you are new to the world of travel rewards cards, and you’re looking for a card that offers a simple earning structure and uncomplicated redemptions, along with no annual fee or foreign transaction fees, then the Bank of America Travel Rewards card would likely be worth it for you.

Further, if you’re someone who has status in the Bank of America Preferred Rewards program, then the card would be very worthwhile to you thanks to the 25% to 75% rewards points boost you can earn.

Bank of America Preferred Rewards Boost

As a no-annual-fee card, the Bank of America Travel Rewards card doesn’t offer much in the way of benefits.

But one benefit it does offer that can be quite lucrative to cardholders is the ability to boost your rewards rate through the Bank of America Preferred Rewards program .

If you’re not already familiar, the Bank of America Preferred Rewards program is the bank’s loyalty program that offers added rewards and benefits for those who hold a certain level of assets in their Bank of America deposit accounts and/or Merrill Edge and Merrill Lynch investment balances.

There are quite a few benefits you receive at each elite status tier, but for this post, we will be exclusively focusing on the credit card rewards boost you receive:

The ability to earn up to 2.625x points per $1 on every purchase that you make is quite exceptional, and quite a bit higher than what you would earn with many other non-bonused cards.

Best Ways To Earn and Redeem Your Bank of America Points

When it comes to earning more points, the best way to do so is by using your card for as many purchases as you can. Further, if you have the ability to achieve a status level in the Bank of America Preferred Rewards program, this is a great way to boost the number of points you will earn by 25% to 75%.

The Bank of America travel portal allows you to redeem your points for any travel-related purchase you can think of, at a set rate of 1 cent per point. This includes flights, hotels, rental cars, and cruises, but also excursions like amusement parks, zoos, and more.

Alternative Card to the Bank of America Travel Rewards Card

Chase freedom unlimited ®.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel
• 3% back on dining and drugstore purchases
• 3% foreign transaction fee
• INTRO OFFER: 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!
• Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, 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.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC
• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Chase Ultimate Rewards

An obvious alternative to the Bank of America Travel Rewards card is the Freedom Unlimited card, as it also earns 1.5% all purchases with no annual fee .

However, the Freedom Unlimited card also offers 5% on travel purchased through the Chase travel portal and 3% on dining and at drugstores.

The card also offers flexible redemption options at 1 cent per point towards the Chase travel portal, cash-back, and more. Plus, those with a premium Ultimate Rewards card like the Chase Sapphire Preferred ® Card can pool their points together to redeem through one of the Chase transfer partners .

We’ve also compared the Bank of America Travel Rewards card to other popular credit cards:

• Bank of America Travel Rewards card vs. Chase Sapphire Preferred ® Card

The information regarding the Bank of America ® Travel Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Is the bank of america travel rewards card worth it.

If you’re looking for an uncomplicated way to earn travel rewards, without an annual fee, then yes the Bank of America Travel Rewards card could be worth it to you… even more so if you are in the Bank of America Preferred Rewards program and can earn 25% to 75% more rewards.

Does the Bank of America Travel Rewards card have an annual fee?

No, the Bank of America Travel Rewards card does not charge an annual fee.

Does the Bank of America Travel Rewards card have travel insurance?

No, the Bank of America Travel Rewards card does not offer any sort of travel insurance.

What are the benefits of the Bank of America Travel Rewards card?

The Bank of America Travel Rewards card doesn’t offer many card benefits. However, those who are part of the Bank of America Preferred Rewards program can earn 25% to 75% more points.

Does the Bank of America Travel Rewards card have foreign transaction fees?

No, the Bank of America Travel Rewards card does not charge foreign transaction fees.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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Best Bank of America credit cards of May 2024

As one of the largest financial institutions in the U.S., it’s no surprise that there are a variety of options when picking the best Bank of America credit cards to add to your wallet. The issuer offers a variety of cards that can cater to almost all consumers and small businesses —  whether you’re looking to earn cash back on everyday purchases or rack up travel rewards.

Many of these cards are especially lucrative when paired with a Preferred Rewards account to boost your earning rates, so see our picks for the best Bank of America credit cards below.

• Bank of America® Unlimited Cash Rewards credit card : Best for flat-rate earning structure
• Bank of America® Premium Rewards® credit card : Best for travel rewards
• Bank of America® Customized Cash Rewards credit card : Best for flexible earning structure
• Bank of America® Travel Rewards credit card : Best for travel rewards beginners
• Alaska Airlines Visa Signature® credit card : Best for earning Alaska miles

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The Bank of America Unlimited Cash Rewards credit card brings in simplicity to the line-up of the best Bank of America cards. With an easy-to-remember 1.5% rewards rate, you could potentially earn 25 to 75% more cash back on every purchase if you’re a Bank of America Preferred Rewards® member. That means you could earn up to 2.62% cash back on every purchase. Read our full review of the Bank of America Unlimited Cash Rewards credit card .

• Unlimited 1.5% earnings on every single purchase
• No annual fee
• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
• Other cards can offer bonus points on common everyday purchases
• 3% foreign transaction fee
• $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
• Earn unlimited 1.5% cash back on all purchases.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
• No annual fee.
• No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
• 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 19.24% - 29.24% 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%.
• 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.

Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards card allows cardmembers to earn 2 points per dollar on travel and dining expenses, but Bank of America Preferred Rewards® members will earn at a higher rate of up to 3.5 points per dollar spent. Read our full review of the Bank of America Premium Rewards credit card .

• This card is more valuable for Bank of America Preferred Rewards® members, who can get between a 25% and 75% bonus on points earned
• Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA PreCheck® statement credit and travel protections
• Can transfer points earned into a 529 college fund
• Other cards offer higher points for key bonus categories
• Must open a Bank of America account to get the best value for points
• Low $95 annual fee.
• Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
• 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 your points don't expire as long as your account remains open.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
• Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
• Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
• Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
• No foreign transaction fees.

Bank of America® Customized Cash Rewards credit card

If you find that other cash-back cards don’t exactly match your lifestyle and spending habits, you’ll like the flexibility of the Bank of America® Customized Cash Rewards credit card. You have the power to pick your bonus category each month, which can appeal to those who don’t have traditional spending habits. Read our full review of the Bank of America Customized Cash Rewards credit card .

• Flexible earning structure (3% cash back in the category of your choice and 2% at grocery stores and wholesale clubs); up to $2,500 in combined purchases per quarter (then 1%)
• No annual fee or expiration on rewards
• Maximum $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1%
• Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
• Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
• No annual fee and cash rewards don’t expire as long as your account remains open.

Bank of America® Travel Rewards credit card

When you’re stepping into the world of travel rewards, it’s likely you’re looking for simple earning and redemption options — and that’s exactly what the Bank of America Travel Rewards credit card is best at. Read our full review of the Bank of America Travel Rewards credit card .

• 1.5 points per dollar on all purchases
• No foreign transaction fees
• Bank of America does not offer airline or hotel transfer partners like other banks such as American Express, Chase or Capital One
• No travel and purchase protections.
• 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.
• 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.

Alaska Airlines Visa Signature® credit card

Alaska Airlines only offers one consumer credit card for its loyal travelers. With a low $95 annual fee, the Alaska Airlines Visa Signature credit card is a no-brainer for those who frequently fly with the Seattle-based carrier. Read our full review of the Alaska Airlines Visa Signature credit card .

• Free checked bag for you and up to six guests on your reservation
• Alaska discounts, like 20% back on in-flight purchases
• $95 annual fee
• Limited Time Online Offer—60,000 Bonus Miles!
• Get 60,000 bonus miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
• Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
• 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 (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
• Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
• Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
• With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
• Plus, no foreign transaction fees and a low $95 annual fee.
• 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.

The Unlimited Cash Rewards card features a solid welcome bonus, simple 1.5% cash back on all purchases and no annual fee and other typical Bank of America benefits like extended warranty. It is a great way to be introduced to credit cards, earn unlimited cash back and not have to worry about bonus categories.

If you are looking for a solid cash-back credit card that features simple reward earnings, the Unlimited Cash Rewards is a great option. It earns unlimited 1.5% cash back on all purchases, making it great for everyday purchases.

If you are a Preferred Rewards member, the Unlimited Cash Rewards can provide even more value. Bank of America features a bonus rate for its members and Platinum members have the highest bonus rate at 75%. That means the Unlimited Cash Rewards credit card would earn unlimited 2.625% cash back on all purchases.

If it doesn’t have to be a Bank of America credit card but you love the no annual fee and flat rate cash back aspect of the card, consider the Chase Freedom Unlimited® . In addition to its 1.5% cash back, the card also features multiple bonus categories that are as high as 5% cash back. And if you have a Chase Ultimate Rewards credit card, you can transfer your cash back to points for maximum value.

This low annual fee Bank of America card packs a punch with many travel related perks such as an up-to-$100 annual airline incidental statement credit and an up-to-$100 credit that can be applied toward the Global Entry or TSA PreCheck enrollment fee every four years.

The Premium Rewards card is a great card for travelers. In addition to its airline incidental statement credit and Global Entry/TSA PreCheck credit, the card also comes with travel insurance protections, including trip delay/cancellation/interruption insurance, baggage delay/loss insurance, emergency evacuation and transportation insurance, and rental car insurance — perks that normally come with more premium cards.

To get the best value out of your card, you can boost your return by as much as 75% through Bank of America’s Preferred Rewards® program. To participate, you’ll need an eligible Bank of America checking account and an average daily balance of at least $20,000 in qualifying deposit or investment accounts. The largest bonus is available to customers with a balance of $100,000 or more — at that level, you’ll earn 3.5 points per dollar on dining and travel, and an impressive 2.62 points per dollar on non-bonus spending.

If you love the Premium Rewards card’s simple earning structure but don’t want to pay an annual fee, consider the Bank of America® Travel Rewards credit card instead. It features less benefits and perks but still offers a sizable welcome bonus and earns an impressive 1.5 points on all purchases.

The Bank of America® Customized Cash Rewards credit card is one of the only credit cards that allows you to essentially customize your rewards structure to fit your changing spending habits throughout the year — with the chance to change categories every month.

People who continue to shift their spending habits would benefit from the card’s flexible reward structure.

The Customized Cash Rewards card offers solid cash-back and a flexible rewards structure so that you can get the most out of your spending every month.

If you want to stick with Bank of America but are looking for a card with a few more benefits and a higher welcome bonus, consider the Bank of America® Premium Rewards® credit card . It offers more bonus categories, up to $100 in annual airline incidental statement credits and an up to $100 Global Entry/TSA statement credit. The card also comes with a $95 annual fee.

Although this certainly isn’t the most lucrative or flexible rewards card, the Bank of America travel rewards still offers a flat-rate reward across all spending. These rewards can then be used as a statement credit to erase eligible travel purchases.

It is a perfect card for low-budget beginner travelers who want a card with no annual fee and a simple way to earn and redeem points.

The Travel card is a great introduction to the travel credit card world. It allows new travelers to earn points on all their purchases and use these points to erase travel purchases.

If you are looking for a card with a similar flat earning rate, consider the Bank of America® Premium Rewards® credit card . It does come with a $95 annual fee and earns an elevated 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases. The card also features a higher sign-up bonus, up to $100 in annual statement credits for airline incidental fees and an up to $100 TSA PreCheck/Global Entry statement credit. But the best perk of the Premium Rewards card is the ability to redeem points as statement credits or sent directly to your bank account while the Travel Rewards only allows redemption on travel and dining statement credit.

Having Alaska miles opens up some exciting redemption options. In addition to a great sign-up bonus, the card also comes with an annual companion fare, which will give your companion traveling on the same itinerary a free coach ticket on Alaska-operated flights from $122 ($99 fare plus taxes and fees from $23) awarded each account anniversary after spending $6,000 or more on purchases within the prior anniversary year, among other perks like discounts on inflight purchases and lounge passes.

This is the perfect card for loyal Alaska flyers. Not many credit card companies transfer miles to Alaska Airlines so if you are a regular Alaska traveler, this can be a great addition to your wallet.

Arguably the card’s most valuable perk is the annual companion fare, allowing you to take a travel companion on the same flight for $122 ($99 fare plus taxes and fees from $23).

If you are looking for a card that earns more flexible rewards, the Chase Sapphire Preferred® Card is one of our top mid-tier picks. It features multiple bonus categories like dining and select streaming services. Chase Ultimate Reward points can also be transferred to any of Chase’s airline and hotel partners.

Have multiple Bank of America credit cards

While Bank of America does not offer the flashiest cards, it does feature some solid credit cards. In order to take full advantage of Bank of America, you will want to consider multiple credit cards so that you are getting the most return on your spending. For example, combining the Customized Cash and Unlimited Cash cards will allow you to earn 3% cash on your category of choice, 2% cash back at grocery stores and wholesale clubs and 1.5% cash back on all other purchases. This is a higher return rate than if you only had one of either card. 

Be a Preferred Rewards member

It’s no secret that Bank of America favors cardholders with whom it has banking relationships. This is less than ideal for anyone who keeps their money with other banks, but you can take advantage of a number of perks and benefits if you are a Bank of America customer who qualifies for the Preferred Rewards program. In order to qualify for the program, you will have to have an eligible Bank of America personal checking account and a three-month combined balance of $20,000 or more in a Bank of America account and/or Merrill investment account.

Members of the program receive a bonus on their earning rates that vary between 25% and 75%, depending on their membership tier.

Attain Platinum Honors status

While being a Preferred Rewards member is a great way to maximize your Bank of America card, Platinum Honors members receive the highest earning bonus of 75%. In order to qualify for Platinum Honors, you will have to have a three-month average combined balance of at least $100,000 or more in a Bank of America account and/or Merrill investment account. Diamond members are a tier but feature the same earning bonus while requiring a much higher minimum balance. 

Bank of America is one of the largest and most influential banks in the world. It is a powerhouse in banking and financial services, boasting an extensive network of branches and ATMs. Bank of America offers a large selection of financial services including traditional bank accounts, investment accounts, credit cards and more. 

Types of Bank of America credit cards

There are many different kinds of Bank of America cards, so be sure to carefully consider which one(s) would be the best for you.

Many Bank of America cards are cash-back cards, which earn a percentage of cash back from a purchase. A Bank of America cash-back credit card is the Unlimited Cash Rewards card which earns unlimited 1.5% cash back on all purchases.

Select Bank of America cards earn travel rewards instead of cash-back, but since Bank of America does not earn transferable points, it is still a similar concept to cash back. Generally, travel rewards can be redeemed as statement credits or sent to a qualifying Bank of America account. A point is typically worth 1 cent (or 1% cash-back). But it is important to check what your card’s point value is as the Travel Rewards card, when redeemed as cash rewards, has a value of only 0.6 cents per point. 

Airlines often feature a co-branded card with a large banking institution like the Bank of America Alaska Airlines Visa card. Generally, the card earns a select amount of the brand’s loyalty points per purchase and the points can be redeemed for future flights. In addition, airline cards typically offer brand-specific perks and benefits.  

Bank of America does not offer significantly lower variable interests than other financial institutions. It does, however, offer the BankAmericard® credit card , which is a lower interest rate credit card. The card features a 0% intro APR for 18 billing cycles for both purchases and balance transfers made in the first 60 days of account opening, so that it is easier to pay down your debt or finance a large purchase. A variable APR of 16.24% to 26.24% will apply after the intro APR period. Additionally, a 3% fee applies to all balance transfers for the first 60 days of account opening, then 4% thereafter.

The information for the BankAmericard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

Bank of America offers a fair selection of small business credit cards that mirror their personal card counterparts. For example, the Business Advantage Unlimited Cash Rewards card and the Unlimited Cash Rewards card both earn an unlimited 1.5% cash back on all purchases. Business cards do come with additional business benefits like free employee cards, cash management tools and more. 

Bank of America credit card benefits

Many Bank of America credit cards come with a variety of benefits, though the extent of those perks depends on which card you have. 

Bank of America features solid earning rates for both points and cash-back. If you are a Preferred Rewards member, you will earn a 25%-75% bonus on your earning rate, depending on your membership tier. 

Many Bank of America cards feature a welcome bonus which can vary from points to cash rewards. Each card will have a different welcome bonus and minimum spend to achieve the bonus. 

Select Bank of America cards come with an auto rental collision damage waiver and emergency assistance service. This benefit allows cardholders to know that if an emergency arises while they’re traveling, Bank of America’s assistance services will be there to help. To use the services, simply call the 24-hour line at 1-800-992-6029. If you are outside of the United States, call 1-804-673-1675. 

Bank of America offers an auto rental collision damage waiver. This allows cardholders to reduce the expense of repairing or replacing a rented car should it be stolen or involved in an accident. It does not cover damage to anyone else who is involved in the accident’s car or their injury. You are eligible for primary coverage if the vehicle was rented for commercial/business use and secondary coverage if it was rented for personal use. If you rent a personal use vehicle outside the United States, Bank of America will offer primary coverage. Primary coverage allows you to be reimbursed for up to the actual cash value of the vehicle. Secondary coverage is supplemental to your automobile insurance which means you are still responsible for your personal’s insurance deductible and charges.

For more information about either of these benefits, you can check out Bank of America’s comprehensive description of these coverages here . 

Select Bank of America card feature travel statement credits. For example, the Premium Rewards card comes with an up to $100 of airline incidental credit every year and TSA PreCheck/Global Entry credit every four years. This means if your purchases fall under either of these categories, Bank of America will reimburse you up to the maximum amount in the allotted time period on your credit card statement.

• 1 Sign-up bonus Go with a Bank of America card that features a solid sign-up bonus with a reward you can use for future travel plans or to pay down a balance if you opt to earn cash back. Choose an option that has an achievable spend threshold and that you’ll earn the currency most valuable to you.
• 2 Annual fee The Bank of America credit cards on our list feature a variety of annual fee thresholds, including many with no annual fee, to fit your unique budget as well as your desire for premium perks.
• 3 Bonus categories Many of the Bank of America credit cards we've listed feature enhanced earnings in various popular bonus categories to fit your spending habits and make the most of every dollar.

What's your favorite Bank of America card — and why?

• Using Bank of America credit cards responsibly can help you build your credit score
• Bank of America credit cards can earn cash back or various currencies on every dollar you spend
• Some Bank of America credit cards offer valuable travel and purchase protections
• Bank of America credit cards can hold more value if you are in the Preferred Rewards program
• Credit cards can encourage overspending
• Carrying a balance and using your Bank of America credit card irresponsibly can damage your credit score
• It may be challenging to get full value from Bank of America credit cards if you don't have a Preferred Rewards membership

To apply for any of the Bank of America credit cards on this list, select the “Apply Now” button below each Bank of America card. 

The best way to activate your Bank of America card is online with your banking ID and passcode. You can begin your activation process for your Bank of America credit card here .

There is no best Bank of America credit card. Bank of America offers some solid options, but the best card is one that fits your spending habits and financial goals. 

If you regularly pay off your balance and have your account in good standing, Bank of America will increase your credit card limit naturally. But if you want to request a credit line increase online, you can begin by signing into your account. You will have to select your credit card account and then select “Request a credit line increase,” which is below Card Details in the Account Summary. 

Bank of America credit cards can be a solid option for any wallet. But if you are a Preferred Rewards member, you will be able to maximize the value of your Bank of America credit card. 

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Credit Cards

I’m an expat, and here’s why I love my Bank of America Travel Rewards card

Kelly Dilworth

Allie Johnson

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 5:24 a.m. UTC May 8, 2024

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VioletaStoimenova, Getty Images

I’m a U.S. citizen who lives most of the year in Canada. But when I pick up coffee or purchase subway fare in my adopted city of Toronto, I often find myself habitually turning to the same few American credit cards I’ve owned and used for years.

Using my American cards while living across the border helps me maintain my U.S. credit history. Plus, I’ve found that they offer more value than comparably-priced Canadian cards. 

I’m especially likely to pull out my Bank of America® Travel Rewards credit card because it offers ample points without requiring me to think too hard about different rewards categories. 

Instead, I earn the same unlimited 1.5 points per $1 on purchases, which is a rewards rate I’ve so far been unable to match with a no-annual-fee Canadian card. 

Aren’t sure how to choose a credit card? Read our guide on how to pick the best credit card for you.

In Canada, rewards cards without annual fees are typically less generous –– especially when it comes to miscellaneous spending. For example, my CIBC Dividend® Visa* Card * The information for the CIBC Dividend® Visa* Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers 2% cash back on groceries, 1% cash back on eligible gas, electric vehicle charging, transportation, dining and recurring payments, 0.5% cash on everything else. 

There are no foreign transaction fees on my Bank of America Travel Rewards card either. So I don’t have to sweat over 1% to 3% in foreign transaction fees that can quickly add up over multiple transactions. 

However, the number one reason I turn so regularly to my Bank of America Travel Rewards card is its convenience. 

After nearly 20 years of credit card experience, I’ve learned that I get more value out of low-maintenance cards that require minimal time and attention. 

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Bank of America® Travel Rewards credit card

Welcome bonus

• 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.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• 15 billing cycles of intro APR financing on both new purchases and on qualifying balance transfers.
• Earn an unlimited 1.5 points per $1 on purchases.
• No foreign transaction fees so it’s a good choice to use abroad.
• Points must be redeemed towards eligible travel and dining purchases for maximum redemption value.
• You can’t transfer rewards to airline or hotel partners.

Card details

• 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.
• 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 19.24% – 29.24% 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.

Even abroad, Bank of America Travel Rewards are simple to earn, fast to redeem 

In my experience, the Bank of America Travel Rewards Visa is especially easy to use in Canada compared with other American cards I own since it comes equipped with contactless technology (which was popular here long before it took off in the U.S.), and Visa is widely accepted. 

I rarely use my Discover it® Miles , by contrast, because I’ve struggled to find vendors in Canada who will accept it.

Since I earn the same rewards rate with every purchase on my Bank of America Travel Rewards card, I don’t have to track spending bonuses or worry about the types of foreign purchases that will qualify for a higher rate. 

Even better, the rewards I earn from my Bank of America Travel Rewards card are so easy to redeem I can do it within minutes online simply by checking some boxes next to eligible travel and dining purchases. Within days, a statement credit then posts to my account. 

I also can book rewards travel from whatever site I want to, and I don’t have to plan around blackout dates or other travel restrictions. 

For a working mom like me who can barely carve out time to book travel, let alone spend hours searching for a suitable rewards flight, that extra layer of simplicity is important. 

I also have ADHD, so navigating a complicated rewards scheme that requires lots of extra steps or tracking can sometimes feel overwhelming. Simpler rewards programs are easier for me to stick to long term and are overall a better fit for my neurodivergent brain. Plus, I’m more likely to use my rewards if they’re easy to redeem. 

On the downside, the redemption options for the Bank of America Travel Rewards card are limited: to earn a 1:1 return on your rewards spending, you need to redeem your points for travel or dining. 

You can trade in your points for a gift card, but your points will be worth less than a cent each. The redemption rate for cash is even stingier.

Luckily, there are plenty of purchases that count as travel and dining, including public transit and parking fees, bridge and highway tolls, tourist attractions such as aquariums and zoos, fast food, coffee shops, bars and taverns. 

Bank of America also gives you up to a year to redeem your points before a qualifying purchase is no longer eligible. So you have some time to build up your rewards. 

How I use American credit while living in another country

In my case, I’ve managed to seamlessly transition to living much of the year in Canada without giving up my American credit history because I still have a valid U.S. address and phone number and maintain a presence in both countries. 

I also happened to own most of my credit cards well before I moved to Canada in 2018. However, I have successfully applied for new cards in the years since and had them sent to my American address. 

Expats who don’t maintain a valid U.S. address may need to work with a bank or credit union that specializes in serving U.S. citizens who live or travel extensively abroad. But for me, it’s been relatively easy, and my Bank of America Travel Rewards card fits my needs perfectly.

*The information for the CIBC Dividend® Visa* Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Kelly Dilworth is a business and personal finance writer, specializing in the intersection between money and life. She has more than a decade of financial writing and reporting experience and has covered consumer banking and lending, credit cards, credit reporting and consumer scoring for a variety of personal finance outlets, including Bankrate and CreditCards.com, The Balance, LendingTree and Forbes Advisor. Her reporting has also been cited in Congressional testimony and in a number of reports, books and journal articles.

Allie is a journalist with a passion for money tips and advice. She's been writing about personal finance since the Great Recession for online publications such as Bankrate, CreditCards.com, MyWalletJoy and ValuePenguin. She's also written personal finance content for Discover, First Horizon Bank, The Hartford, Travelers and Synovus.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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How to start traveling with points, miles and credit cards

I f your friends and colleagues are always taking vacations with credit card points and miles, you may be wondering how you can get in the game. Fortunately, getting started with travel rewards is fairly easy to do if you have good credit and you’re willing to put in some work. The most important step in the process is figuring out which travel credit card to sign up for. From there, you can start earning points and miles pretty quickly.

But, what are the types of rewards you can choose from? And what’s the best way to use your credit card rewards? In this guide, we’ll help you figure out which steps to take first so you can get started with earning and using travel points and miles.

Points, miles and credit card statistics

• 23 percent of rewards credit card holders surveyed have unused credit card rewards, points and miles ( CreditCards.com ).
• Of those who didn’t use their credit card rewards, 51 percent of respondents said they were waiting for a specific opportunity to use them ( CreditCards.com ).
• 56 percent of credit card holders belong to a loyalty program with travel-related benefits ( arrivia ).
• 36 percent of consumers polled said cash back was their favorite credit card feature, whereas 7 percent of respondents said travel rewards were their favorite credit card feature ( Bankrate ).
• 4 percent of consumers surveyed said that travel perks like free checked bags and airport lounge access were their favorite card features ( Bankrate ).
• 44 percent of Americans said that travel loyalty programs played a role in their choice of hotel. Another third of respondents (34 percent) said a hotel acknowledging their loyalty status at check-in increased their odds of rebooking ( SevenRooms ).

What are points and miles?

Before you can begin using travel rewards for flights, hotels and other types of travel, it helps to know the difference between points and miles. You should also know that each rewards currency has its own average redemption value depending on the airline, hotel or credit card rewards program.

Here’s an overview of the types of travel rewards available.

Quick definitions

Key tips before you start earning points and miles.

There are several key credit card rules to follow, as well as mistakes to avoid when you first open a rewards credit card. Consider the following advice before you dive into the world of points and miles for travel.

• Pay off your card in full each month. The average credit card interest rate is currently over 20 percent. With that in mind, you won’t “get ahead” with rewards if you carry a balance and pay interest over time.
• Keep an eye on your credit score. You can use credit cards to improve your credit score if you always pay your bill on time and you consistently keep debt levels in check. Most experts recommend keeping your credit utilization ratio below 30 percent for the best results.
• Be realistic about your points and miles goals. Make sure you look for a credit card and a rewards program that aligns with your current spending and travel habits, along with your travel goals. For instance, if you don’t have a preferred airline or hotel, then a general travel credit card that offers transferable rewards and rewards that don’t expire may help you to better reach your travel goals.
• Limit how many cards you apply for at once. Don’t go overboard and start applying for every travel rewards credit card that catches your eye. If you do, you can see damage to your credit score due to too many new hard inquiries on your credit reports.
• Pursue sign-up bonuses with care. Most travel rewards credit cards offer a sign-up bonus when you meet a minimum spending requirement within a specified time frame of opening your account. While these bonuses can be helpful, you should only pursue them if you can meet the spending threshold with regular, planned purchases and bills.

How to start earning points and miles

To start earning rewards, you can consider one or all of the following strategies.

Utilize credit cards

While you can earn travel rewards by staying in specific hotels or flying with an airline, travel rewards credit cards can help you boost your rewards haul over time. Ultimately, that’s because travel credit cards let you earn points or miles for each dollar you spend. This means you can earn travel rewards on everything from your grocery bills to utility payments, gas for your car and more.

Most top travel credit cards also let you earn a big welcome offer in the first few months if you meet a minimum spending requirement and other terms. These welcome offers are typically worth anywhere from several hundred dollars to over one thousand dollars in travel, and they can provide a great way to reach your travel goals from the start. These sign-up bonuses are definitely worth pursuing — as long as you’re mindful about not overspending to earn them — so make sure to factor these offers in as you select a card.

Book travel

To start earning points and miles, you’ll want to sign up for all the airline and hotel loyalty programs for brands you normally use. Fortunately, travel loyalty programs are free to join and signing up only takes a few minutes online. This means signing up for the Delta SkyMiles program if you frequently fly with Delta, just as you would sign up for the Hilton Honors program if you’re always staying in Hilton hotels.

Once you sign up, you can start earning rewards with your preferred loyalty programs for travel you’re already doing. Then, once you earn enough points or miles, you can unlock different tiers of elite status, which come with even more perks with your favorite brands.

Take advantage of shopping portals

To earn even more travel points and miles over time, you can take advantage of loyalty programs’ shopping portals. Airline and hotel loyalty programs typically offer shopping portals, while credit card issuers typically offer bonus rewards on eligible shopping with partner merchants. For example, there’s the American AAdvantage eShopping portal and the Southwest Rapid Rewards Shopping portal , and American Express has Amex Offers .

With shopping portals, you can earn extra points or miles by logging in to your account and clicking through a participating retailer offer before you make a purchase. While bonus offers vary, you can typically earn an extra 1X to 5X points or miles for each dollar you spend.

How to choose a travel credit card

Before you choose a new credit card , you’ll want to compare several different options based on the factors that matter most. In the world of travel rewards, you’ll want to consider the following criteria:

• Pick a card that offers the types of rewards you want. First off, you’ll want to choose a travel card that offers the type of rewards you want to earn . This could mean choosing a hotel credit card to earn hotel points, picking up an airline credit card to earn miles with your favorite airline or opting for a flexible travel credit card that lets you redeem rewards in more than one way.
• Decide if you want specific travel benefits. Some travel credit cards offer perks like free checked bags with an airline, airport lounge access, travel credits, automatic elite status or various travel insurance protections. Make sure the cards you’re considering offer the features you can benefit from the most.
• Weigh annual fees. Travel credit cards with the most perks always charge annual fees . While paying an annual fee may not seem ideal, this fee can be worth it if you take advantage of enough rewards and benefits to make up for its cost.
• Consider rewards rates. Finally, make sure any travel credit cards you’re interested in offer points or miles in categories you tend to spend money in. This can mean looking for rewards cards that offer higher rewards rates in bonus categories like groceries, gas, travel purchases and more. Or, if you don’t want to keep track of bonus categories, you may want to consider a travel card with a flat rewards rate for all purchases.

How to redeem points and miles

Ultimately, how you’ll use credit card points and miles depends on the travel credit card you sign up for and which rewards currency you earn. Here’s a rundown of the main ways to redeem your rewards:

• Redeem credit card points/miles for travel. Remember that credit card points and miles are offered through flexible issuer rewards programs that let you redeem your rewards in more than one way. Once you have a stash of credit card rewards, you can redeem them for travel through the card issuer’s travel portal or transfer your points/miles to the issuer’s airline and hotel partners. For example, you can use American Express Membership Rewards points to book travel through American Express Travel , or transfer your points to Amex partners like Delta SkyMiles and Hilton Honors.
• Redeem miles/points for flights. Miles and points accrued with an airline credit card can be used for flights with the airline itself and often for flights with alliance partners. Some frequent flyer programs also let you redeem airline rewards for seat upgrades to a premium cabin, airport lounge membership and other options.
• Redeem points for hotels. Hotel loyalty points can be redeemed for award nights with the hotel brand, and many programs let you redeem points for suite upgrades and other on-site benefits. Some hotel loyalty programs offer a range of alternative redemptions as well. For example, the World of Hyatt program lets you redeem points for FIND experiences like day trips, private cooking classes and adventure activities.

Frequently asked questions (FAQs)

Travel credit cards offer points or miles for each dollar you spend, regardless of what you spend money on. Some travel credit cards also offer perks like complimentary travel insurance, free checked bags, annual travel credits and airport lounge access. Note that some travel credit cards earn points or miles in issuer rewards programs (like Chase Ultimate Rewards and Amex Membership Rewards), whereas other cards earn points or miles in a loyalty program associated with an airline or hotel brand.

Most travel credit cards require very good credit or better — or a FICO score of 740 and up — to get approved.

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Beginners Guide to TD Aeroplan Credit Cards

TD Bank offers clients the opportunity to earn Aeroplan points directly with one of their co-branded Aeroplan credit cards.

The bank has three personal credit cards and one business credit card in its Aeroplan lineup.

On this page, we’ll go over the details of each of these three cards and explain how to use them to earn and redeem Aeroplan points for the best value.

What Is Air Canada Aeroplan?

Aeroplan is the loyalty program for Air Canada, Canada’s flagship airline.

Aeroplan is widely considered the most valuable loyalty program in the Canadian Miles & Points landscape because of its utility and value, its excellent partnerships with other airlines, and the ease of earning points in Canada.

Aeroplan points can be redeemed for some truly incredible flight experiences, such as fully lie-flat business class seats and round-the-world tickets using Aeroplan’s generous stopover policy.

TD’s suite of Aeroplan co-branded credit cards offer an excellent way to engage with Aeroplan, and they allow cardholders to earn points on everyday spending and through welcome bonuses.

Additionally, Aeroplan credit card holders can enjoy Air Canada perks and benefits to further improve their travel experiences.

In Canada, Aeroplan points can be earned in many ways, including through spending on co-branded credit cards, by making purchases through the Aeroplan eStore, and with a variety of everyday partners such as Uber/Uber Eats, Starbucks, LCBO, Journie, and more.

Aeroplan points can also be earned by transferring Membership Rewards points from an American Express account. Membership Rewards points transfer to Aeroplan at a rate of 1:1.

Once you’ve accumulated some Aeroplan points, you can redeem them in a variety of ways, including for flights, hotel bookings, merchandise, gift cards, and more.

Of the above redemption options, the most valuable way to redeem your points (by far) is for flights booked through the Aeroplan portal.

In a later section, we’ll go over this option in detail; however, if you’d like to learn more about the other redemption options, you can check out our Essential Guide to Aeroplan.

TD Aeroplan Credit Cards

As mentioned above, TD currently offers three personal Aeroplan co-branded credit cards: TD® Aeroplan® Visa Infinite Privilege* Card , TD® Aeroplan® Visa Infinite* Card, and the TD® Aeroplan® Platinum Visa* Card.

Let’s take a look at the details of each of the credit cards to help determine which one is best for you.

TD® Aeroplan® Visa Infinite Privilege*

The TD® Aeroplan® Visa Infinite Privilege* Card is TD’s premium Aeroplan credit card, providing cardholders with the best earning rates, the most significant welcome bonus, and the best Air Canada perks.

The card’s welcome bonus fluctuates depending on the bank’s current offer and has historically fallen between 80,000 and 115,000 Aeroplan points.

As with any credit card offering a welcome bonus, it’s best to apply for the card when there is an elevated offer as the bonus is only valid for first-time cardholders.

The fees and eligibility requirements for this card are as follows:

• Annual fee: $599 (all figures in CAD)
• Supplementary cardholders: $199
• Minimum income requirement: $150,000 (personal), $200,000 (household)
• Estimated credit score needed: Good to Excellent

The earning rates for the TD® Aeroplan® Visa Infinite Privilege* Card are slightly elevated compared to its mid-tier counterpart, the TD® Aeroplan® Visa Infinite* Card, with cardholders enjoying 0.25–0.5 more Aeroplan points in a couple of the earning categories.

The earning rates for the TD® Aeroplan® Visa Infinite Privilege are as follows:

• 2 Aeroplan points† per dollar spent on eligible Air Canada® purchases, including Air Canada Vacations®†
• 1.5 Aeroplan points† per dollar spent on eligible groceries, gas, dining, food delivery, and travel†
• 1.25 Aeroplan points† per dollar spent on everything else†

As an example of the earning power of these rates, let’s imagine that you spend $1,000 per month on gas and groceries, earning 1.5 Aeroplan points per dollar spent.

With this amount of spending, over the course a year, you would earn 18,000 Aeroplan points ($1,000 x 1.5 earn rate = 1,500 points x 12 months = 18,000 points).

Based on Aeroplan’s redemption chart below, 18,000 points can be used for a few different redemptions.

For example, it is generally enough to book a one-way economy flight from Montreal (YUL) to San Diego (SAN) or perhaps a one-way business class flight from Toronto (YYZ) to New York City (JFK) on a partner airline.

Keep in mind that Air Canada’s redemptions are priced dynamically so the actual prices can end up being considerably higher when there is a large demand for a particular flight/seat.

The TD® Aeroplan® Visa Infinite Privilege* card also comes with an array of travel perks and benefits.

These benefits include priority boarding and check-in, and a free first checked bag on all Air Canada® flights†, airport lounge access at Air Canada Maple Leaf Lounges and through the Visa Airport Companion Program, $100 NEXUS credit, the ability to earn an Annual Worldwide Companion Pass after spending $25,000 on the card per year†, and more.

For Aeroplan members who are working towards elite status, the card also allows you to earn 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS) for every $5,000 you spend on the card† and the ability to rollover up to 200,000 SQMs and 50 eUpgrades per year†.

Check out our full guide to Aeroplan Elite Status to learn more about how these benefits can improve your travel experiences. 

The TD® Aeroplan® Visa Infinite Privilege* also comes with excellent insurance coverage for travel medical, flight delay and cancellation, car rentals, and more.

As a premium card with a high minimum income requirement and a considerable annual fee, this card is best suited to individuals with large incomes, who are high-volume spenders who can take advantage of the 1.25x baseline earning rate.

The card is also a good choice for Air Canada frequent flyers given its excellent associated perks.

For more in-depth information about the TD® Aeroplan® Visa Infinite Privilege*, including full details on its extensive perks, benefits, and insurance coverage, check out our dedicated guide.

• Earn 20,000 Aeroplan points † upon first purchase
• Plus, earn an additional 40,000 Aeroplan points † upon spending $10,000 in the first 180 days
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points † when you spend $15,000 within 12 months of account opening †
• Earn 2x Aeroplan points † on eligible Air Canada ® purchases, including Air Canada Vacations ® †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, dining, food delivery, and other travel purchases †
• Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
• Unlimited Air Canada Maple Leaf Lounge † access
• DragonPass membership † with six free lounge visits per year
• Minimum income: $150,000 personal or $200,000 household
• Annual fee: $599
• Application must be approved by June 3, 2024 to receive this offer

TD® Aeroplan® Visa Infinite* Card

The TD® Aeroplan® Visa Infinite* Card is TD’s mid-tier Aeroplan offering. It comes with a generous welcome bonus and decent earning rates, and is a card that we recommend for all Canadian travellers.

The welcome bonus usually hovers around 50,000 Aeroplan points, which is typically more than enough for a round-trip economy flight within continental North America.

The fees and eligibility requirements of this card are as follows:

• Annual fee: $139
• Supplementary cardholders: $75
• Minimum income requirement: $60,000 (personal), $100,000 (household)

The earning rates for the TD® Aeroplan® Visa Infinite* are decent, with the notable elevated rate for gas and grocery spend.

The earning rates for the TD® Aeroplan® Visa Infinite* are as follows:

• 1.5 Aeroplan points† per dollar spent on eligible gas, grocery, and Air Canada® purchases, including Air Canada Vacations®
• 1 Aeroplan point† per dollar spent on all other purchases.

Since the earning rate for the gas and groceries category is the same with the TD® Aeroplan® Visa Infinite card as it is with the premium TD® Aeroplan® Visa Infinite Privilege* card, we’ll simply remind you of the example we used above.

If you were to spend $1,000 per month on gas and groceries, earning 1.5 Aeroplan points per dollar spent in this category, you would earn 18,000 Aeroplan points ($1,000 x 1.5 earn rate = 1,500 points x 12 months = 18,000 points).

As we mentioned above, these 18,000 Aeroplan points can be redeemed on their own for some North American flight options, or alternatively, you could continue to earn more points and save up for a flight further abroad.

In terms of perks and benefits, the TD® Aeroplan® Visa Infinite* offers cardholders a free first checked bag on Air Canada flights, preferred pricing when redeeming Aeroplan points for Air Canada flights†, a $100 NEXUS credit, and more.

The card also provides strong insurance coverage for travel and car rentals.

Given its strong welcome bonus, reasonable annual fee, and good earning rates and travel perks, we recommend the TD® Aeroplan® Visa Infinite* Card as one of the four essential credit cards for Canadian travellers.

The TD® Aeroplan® Visa Infinite* is best suited for individuals who fly Air Canada at least once a year (to take advantage of the free checked bag), and for those who can use it as a good option at grocery stores and gas stations (utilizing the 1.5x earning rate).

However, we do feel it’s important to note that there are better credit card options for grocery spending and earning Aeroplan points.

The American Express Cobalt Card earns 5 Membership Rewards points per dollar spent at grocery stores, and these points can be transferred to Aeroplan at a rate of 1:1.

That said, the TD® Aeroplan® Visa Infinite* is an excellent Visa option for grocery stores that don’t accept American Express, and for individuals who’d prefer to keep their wallets simple and only carry one widely accepted card.

If you’d like to learn more about the TD® Aeroplan® Visa Infinite*, you can peruse our in-depth guide, which provides an abundance of additional information.

• Earn 10,000 Aeroplan points † upon first purchase †
• Plus, earn 20 ,000 Aeroplan points † upon spending $6,000 in the first 180 days of account opening †
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points †  when you spend $10,000 within 12 months of account opening †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred Aeroplan pricing and free checked bags on Air Canada ® flights †
• Minimum income: $60,000 personal or $100,000 household

TD® Aeroplan® Platinum Visa* Card

The TD® Aeroplan® Platinum Visa* Card is TD’s entry-level offering, which despite its lower income requirement, still comes with a generous welcome bonus that has historically hovered around 20,000 Aeroplan points.

• Annual fee: $89
• Supplementary cardholders: $35
• Minimum income requirement: N/A
• Estimated credit score needed: N/A

Additionally, this card often comes with a first-year annual fee rebate.

The TD® Aeroplan® Platinum Visa* Card offers cardholders the chance to earn Aeroplan points on everyday spending, with a slightly elevated rate for gas, groceries, and eligible Air Canada purchases.

The card’s earning rates are as follows:

• 1 Aeroplan point† per dollar spent on eligible Air Canada®, Air Canada Vacations®, gas, and grocery purchases†
• 1 Aeroplan point† for every $1.50 spent on all other eligible purchases†

To get an idea of what these earning rates can get you, let’s look at the same $1,000 per month spend on gas and groceries that we used above.

With the category earning rate of 1 Aeroplan point per dollar spent, spending $1,000 per month would earn you 12,000 Aeroplan points over the course of a year ($1,000 x 1x earning rate = 1,000 points x 12 months = 12,000 points).

Looking at the first band of Aeroplan’s North American redemption chart, we can see that 12,000 points could potentially get you a return flight in economy class for a flight distance of up to 500 miles.

It’s worth noting that it can be difficult to find redemptions at the lowest end of the points range; however, if you book far enough ahead or at the last minute, these redemptions are certainly available on eligible routes.

In addition to the ability to earn Aeroplan points on all eligible purchases, the TD® Aeroplan® Platinum Visa* provides cardholders with preferred pricing when redeeming Aeroplan points for Air Canada® flights† and some basic insurance coverage.

The TD® Aeroplan® Platinum Visa* is best suited for someone who’s looking for a low-cost credit card that will earn points for travel or for someone who is working to build/rebuild their credit.

You can learn more about the TD® Aeroplan® Platinum Visa* in our full in-depth guide found here.

• Earn  10,000 Aeroplan points † upon first purchase †
• Plus, earn 10,000 Aeroplan points † upon spending $1,000 in the first three months
• Earn 1x Aeroplan points† on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred pricing on Air Canada ® flights through Aeroplan †
• Annual fee: $89, rebated in the first year †
• Application must be approved by September 3, 2024 to receive this offer

Redeeming Aeroplan Points Earned on your TD Credit Card

Once you’ve got a nice stack of Aeroplan points, it’s time to start exploring your redemption options.

With a TD credit card, the points earned through everyday spending and the welcome bonus get deposited directly into your Aeroplan account each month after your statement posts.

Once the points are in there, you can redeem them for flights, hotels, and more, but as we mentioned above, the best value by far is found when redeeming your points for flights.

Aeroplan points can be redeemed for award flights with Air Canada, with the airline’s Star Alliance partners, and with its other partner airlines. As it stands, you can redeem Aeroplan points for flights with 45+ airlines.

The Aeroplan booking process is both straightforward and heavily nuanced, so the redemption process can either be simple or more complicated depending on how interested you are in seeking the best value for your points.

Check out our step-by-step guide for booking through Aeroplan’s portal. In this guide, we do our best to demystify each step so that you can book with confidence.

We’ve also written more about the redemption process in depth in our Essential Guide to Aeroplan, so if you’d like to learn about how to really take advantage of Canada’s best loyalty program, you’ll definitely want to check it out.

The key thing to keep in mind when planning a flight redemption using Aeroplan points is that Air Canada flights are subject to dynamic pricing, which means that the price fluctuates depending on demand for the particular flight and seat.

Comparatively, award flights with partner airlines have static pricing but the availability of award seats is limited since these airlines will typically only offer a portion of their seats for redemption bookings.

In simple terms, to figure out if you’re getting a good deal on your award redemption, you’ll need to look at the Aeroplan Flight Reward Charts.

In each chart, look up the range of prices for Air Canada flights and the singular price for booking with partner airlines.

For the Air Canada award bookings, if the flight you want to book is priced at the lower end of the spectrum or around the level of the partner award, this is considered a good deal.

Likewise, if it’s priced much higher, you may want to look at other dates or other flights that have lower pricing.

Overall, Aeroplan is an excellent program, and one that you can get more and more from as you engage with it and understand it better.

We have a wealth of resources on how to get the most from your Aeroplan points, so be sure to take a look at our guides to learn more about Aeroplan and the incredible travel opportunities it opens up.

TD Bank offers three co-branded Aeroplan credit cards that allow you to earn Aeroplan points.

Aeroplan is one of the best loyalty programs in North America and its points can be used for valuable redemptions such as flights, hotel bookings, and more.

If you’re looking for a credit card that earns Aeroplan points redeemable for exceptional flight experiences, the TD Aeroplan cards are certainly worth considering.

Can I have a TD Aeroplan credit card if I don’t bank with TD?

Yes, you can. To pay your TD Aeroplan credit card bill without a TD bank account, simply search for TD as a payee within your online banking’s bill payment feature, and then add your TD credit card number as the account number.

Can I book travel for other people with my Aeroplan points?

Yes, you can make a booking for someone else using your Aeroplan points. To do so, go through the search and booking process as usual within the Aeroplan portal, using your friend/family member’s name and information in lieu of your own.

Do I have to redeem my Aeroplan points for travel?

No. Aeroplan points can also be redeemed for hotels, car rentals, merchandise, gift cards, flight upgrades and extras, and travel activities and experiences.

Can I exchange my Aeroplan points for cash?

No, Aeroplan points cannot be redeemed for cash; however, they can be redeemed for a wide array of gift cards and merchandise.

• Earn 80,000 MR points upon spending $15,000 in the first three months
• Plus, earn  40,000 MR points  upon making a purchase in months 14–17 as a cardholder
• And, earn 1.25x MR points on all purchases
• Also, receive a $200 annual travel credit
• Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
• Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
• Credits and rebates for business expenses throughout the year with Amex Offers
• Bonus MR points for referring family and friends
• Qualify for the card as a sole proprietor
• Annual fee: $799

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Business Platinum Card from American Express

120,000 MR points

American Express Aeroplan Reserve Card

85,000 Aeroplan points

American Express Platinum Card

100,000 MR points

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

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WestJet RBC Mastercard

Card Details

Lots of ways to earn WestJet dollars

• Get 50 welcome WestJet dollars with your first purchase 1
• Earn 1% in WestJet dollars for every qualifying purchase you make on your card 3
• Earn 1.5% in WestJet dollars when you buy WestJet flights or WestJet Vacations packages using your card 3

It's easy to redeem WestJet dollars

Redeem your WestJet dollars to pay for WestJet flights or WestJet Vacations packages 4 – no blackout periods and your WestJet dollars don't expire 5 – to destinations across North America, Central America, the Caribbean and Europe.

More ways to save with your WestJet dollars 6

Member Exclusive fares offer great value with exclusive discounts when you pay the full base fare with WestJet dollars. Find savings on more seats on more flights with options to book in Economy, Premium and Business. Sign in when you book and see when Member Exclusive fares are available.

Additional Features

Instant Fuel Savings at Petro-Canada

Link your card and instantly save 3¢/L on fuel 6 and always earn 20% more Petro-Points at Petro-Canada 7 . For more details click here .

Earn more Be Well points at Rexall

Link this card with your Be Well card to:

• Get 50 Be Well points for every $1 spent on eligible products at Rexall 8
• Redeem Be Well points faster for savings in store on eligible purchases 9 ; 25,000 Be Well points = $10

Get $0 delivery fees for 3 months from DoorDash 14

Add your eligible RBC credit card to your DoorDash account to:

• Get a 3-month complimentary DashPass subscription 15 – a value of almost $30
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

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Travel insurance coverage

With travel accident insurance 11 , plus protection for your hotel 12 , your rental car 13 and your eligible purchases 12 . For more details regarding all available insurances on this card, click here .

Credit Card Lock

You can lock your RBC credit card temporarily at any time. Use Credit Card Lock if you’ve misplaced your card, simply log in to the RBC Mobile app and choose the card you want to lock. Learn More

Travel Services

Guaranteed hotel reservations and 24/7 Assured Assistance Customer Service.

Worldwide acceptance and convenience

Mastercard is accepted worldwide, and with Mastercard PayPass a tap of your card is all it takes to pay at the checkout.

Optional Extras

Optional Add-On Services

Take advantage of all the benefits your credit card has to offer by adding optional services to protect your identity, your family, and your credit card balance:

RBC Road Assist

BalanceProtector Max Insurance

Identity Theft & Credit Protection

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