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B of A Travel rewards card

Valued Contributor

B of A Travel rewards card

I am thinking of apping for this. 

 

1.5% points per dollar

no foreign trans fee

emv chip

no annual fee

 

Am I missing something here? This looks like an awesome travel combo with my Chase Hyatt (also no FTF w/emv). I would go for a Cap 1 card, but no emv chips yet. 

 

Any reason not to? Is there something I don't know?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 1 of 14
13 REPLIES
Valued Contributor

Re: B of A Travel rewards card

Also, who do they pull?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 2 of 14
Valued Contributor

Re: B of A Travel rewards card

I have it and think it is great.  It is chip + signature, but still works at most POS terminals in UK.  The interest rate is high, but I don't carry a balance unless there is a 0% promotion.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 3 of 14
Valued Contributor

Re: B of A Travel rewards card


crunching_numbers wrote:

Also, who do they pull?


They pull Experian.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 4 of 14
Super Contributor

Re: B of A Travel rewards card

I like mine as well. And no matter what limit you get (whether it's a signature card or not) you still get free concierge service and it's cool Smiley Tongue 

 

Message 5 of 14
Blogger

Re: B of A Travel rewards card

I have the card and use it everyday. Feel free to check out my review of the card:

http://hiepsfinance.com/2013/03/10/699/

They pulled Experian on me. BofA always pulls Experian for new accounts and Transunion for credit limit increase requests, AFAIK.

Message 6 of 14
Super Contributor

Re: B of A Travel rewards card


crunching_numbers wrote:

I am thinking of apping for this. 

 

1.5% points per dollar

no foreign trans fee

emv chip

no annual fee

 

Am I missing something here? This looks like an awesome travel combo with my Chase Hyatt (also no FTF w/emv). I would go for a Cap 1 card, but no emv chips yet. 

 

Any reason not to? Is there something I don't know?


No, you're right! 

 

Awesome deal and no reason to to app for it, unless you derive more benefits from a non-forex fee based travel rewards card.  In my view, this is the "best in class" non-forex and no annual fee card.

 

PenFed seems like a good one, but I just don't want to jump through hoops to join a CU, even if it is a small token donation.

Message 7 of 14
Valued Contributor

Re: B of A Travel rewards card


Open123 wrote:

crunching_numbers wrote:

I am thinking of apping for this. 

 

1.5% points per dollar

no foreign trans fee

emv chip

no annual fee

 

Am I missing something here? This looks like an awesome travel combo with my Chase Hyatt (also no FTF w/emv). I would go for a Cap 1 card, but no emv chips yet. 

 

Any reason not to? Is there something I don't know?


No, you're right! 

 

Awesome deal and no reason to to app for it, unless you derive more benefits from a non-forex fee based travel rewards card.  In my view, this is the "best in class" non-forex and no annual fee card.

 

PenFed seems like a good one, but I just don't want to jump through hoops to join a CU, even if it is a small token donation.


+1. This card is somewhat of a unique animal given it has no AF, no forex, EMV and 1.5% CB.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 8 of 14
Frequent Contributor

Re: B of A Travel rewards card

+1 with everyone else. I'll most likely PC my 3-2-1 cash rewards card to the travel rewards.

Starting Score: 620 FAKO
Current Score: FICO TU 715 (wal-mart) FICO EQ 692
Goal Score: 700


Take the FICO Fitness Challenge
Message 9 of 14
Blogger

Re: B of A Travel rewards card


mauwow0682 wrote:
+1 with everyone else. I'll most likely PC my 3-2-1 cash rewards card to the travel rewards.

Check out the Better Balance Rewards card as well. Smiley Wink

Message 10 of 14