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Bank Of America Credit Card Balance Transfer

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Bank Of America Credit Card Balance Transfer

Bank Of America Credit Card Balance Transfer

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Bank Of America Review 2024

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Information about the following product(s) was independently collected by Business Insider: Bank of America® Travel Rewards Credit Card for Students. Details of these products have not been reviewed or provided by the provider.

The Bank of America® Travel Rewards Credit Card is a good travel credit card for beginners or those who want ease of earning and redeeming rewards. This card has a solid bonus with no annual fee, and you can use your points for a variety of travel purchases.

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0% introductory APR for the first 15 billing cycles on purchases and balance transfers made within the first 60 days of account opening

25,000 online bonus points after spending at least $1,000 in purchases in the first 90 days of account opening – which can be a $250 credit toward travel purchases

The Bank of America® Travel Rewards Credit Card is a good travel credit card for beginners or those who want ease of earning and redeeming rewards.

Bank Of America Credit Card Balance Transfer

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If you’re looking for a no-annual-fee travel credit card that offers a simple points program, you should check out the Bank of America® Travel Rewards Credit Card. This card offers a flat rate of 1.5 points per dollar on all purchases, and you can earn your rewards on travel expenses you pay to your card.

With the Bank of America® Travel Rewards Credit Card, you can earn 25,000 online bonus points on purchases of at least $1,000 within the first 90 days of account opening. Each point is worth 1 cent, so the welcome bonus offer is worth $250 in travel.

However, if you’re a Bank of America Preferred Rewards member, the card is more lucrative. Depending on your rewards level, you can earn anywhere from 25% to 75% more points with this card.

If you don’t like dealing with complicated frequent flyer or hotel rewards programs that limit reward availability and make it difficult to use their points, the Bank of America® Travel Rewards Credit Card is a good choice. On the earnings side, there are no bonus categories or spending limits to track. If you’re new to travel rewards, this is a great way to earn and redeem points.

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New cardholders get 0% introductory APR on purchases for the first 15 billing cycles and balance transfers made within the first 60 days of account opening, after which a variable APR of 18.24% to 28.24% applies. This can save you money if you’re planning to make a big purchase but pay off over several months – if you plan to pay off the loan before the introductory period ends.

If you’re more into cash back, Bank of America also has cash back cards; You can also check out our Bank of America Personalized Cash Credit Card. Alternatively, if you’re looking for a high-end travel rewards card and are open to an annual fee, consider our Bank of America Premium Rewards Credit Card.

Bank of America® Travel Rewards Credit Card holders earn 1.5 points per dollar on all purchases, no categories or restrictions.

Bank Of America Credit Card Balance Transfer

Things get even more interesting if you’re a Bank of America Preferred Rewards customer. The amount of money you have on deposit (such as savings or investments) with Bank of America and Merrill (the wealth management division of Bank of America) determines your reward level. Depending on your level, you can get 25% to 75% higher rewards.

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Another way to increase your earnings on the Bank of America® Travel Rewards Credit Card is to purchase travel through a Bank of America Travel Center. In this case, you’ll earn 3 points per dollar spent on purchases (instead of 1.5 points per dollar).

With the Bank of America® Travel Rewards Credit Card, you earn points toward discounts on a variety of travel expenses. After charging your card for travel, you can use points at the rate of 1 cent each to cover purchases. Minimum purchase is 2,500 points ($25) and points are valid for 12 months from transaction date.

Bank of America has a broad definition of travel, including most purchases classified as entertainment. Eligible categories for the Bank of America® Travel Rewards Credit Card Travel Statement:

If you don’t travel, the Bank of America® Travel Rewards Credit Card lets you use points for non-travel purchases, but the fees aren’t as attractive. For example, points can be redeemed for gift cards starting at 3,125 points ($31.25), and the price per point varies.

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If you want cash back, you can credit points for checking or electronic deposits to a Bank of America checking or savings account or a money management account through Merrill. In this case, your points are only worth 0.6 cents, which isn’t a big deal.

The Bank of America® Travel Rewards Credit Card does not have the valuable cardholder benefits typically found on credit cards with no annual fee.

The Bank of America® Travel Rewards Credit Card comes with a 0% introductory APR on purchases made within the first 15 billing cycles and balance transfers made within the first 60 days of account opening. After that, there is a variable APR of 18.24% – 28.24%.

Bank Of America Credit Card Balance Transfer

Taking advantage of a 0% APR credit card offer is a great way to spread payments for large purchases over time without incurring high interest rates, but you need to make sure you have the funds and a plan to pay it off. Otherwise, you’ll end up with a high-interest loan after the introductory period ends.

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Note that the best 0% APR credit cards have longer introductory periods, and some include balance transfers in their offers.

Good travel credit cards don’t charge foreign transaction fees, and the Bank of America® Travel Rewards Credit Card is no exception. As it does not incur fees, the card can be used for international purchases without paying extra.

With the Bank of America® Travel Rewards Credit Card, major cardholders can check their FICO scores for free through Bank of America’s online banking, mobile website or mobile banking app for iPhone and Android. This is a useful tool for maintaining your credit, especially if you don’t have another credit card that offers a free credit score.

The Bank of America® Travel Rewards Credit Card comes with an optional Balance Connect overdraft protection feature that links your eligible Bank of America account to your card. If you choose to use this service, if you have credit on your credit card, Bank of America will automatically transfer funds from your credit card account to cover overdrafts on your deposit account.

How To Decide If A Balance Transfer Credit Card Is Right For You

When you add your Bank of America® Travel Rewards credit card to digital wallets like Apple Pay, Google Pay or Samsung Pay, you can use it for in-person, online or app transactions. Since your real card number is not stored on your device or shared with most merchants, you are more secure when you make a purchase.

Losing or having your credit card stolen stinks, but if you report the problem quickly, you won’t have to worry about fraud or unauthorized transactions on your Bank of America® Travel Rewards credit card.

In addition to offering an annual fee and introductory APR, the Bank of America® Travel Rewards Credit Card excludes foreigners.

Bank Of America Credit Card Balance Transfer

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