Reply
Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012
0

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: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012
0

Re: B of A Travel rewards card

Also, who do they pull?


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Community Leader
Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
0

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
Community Leader
Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
0

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
Senior Contributor
jsucool76
Posts: 3,664
Registered: ‎12-11-2011
0

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 :smileytongue: 

 

>
Blogger
HiLine
Posts: 3,072
Registered: ‎10-19-2012
0

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.

Senior Contributor
Open123
Posts: 4,194
Registered: ‎02-23-2011
0

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.

Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

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.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Frequent Contributor
mauwow0682
Posts: 288
Registered: ‎08-24-2010
0

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
Blogger
HiLine
Posts: 3,072
Registered: ‎10-19-2012
0

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. :smileywink:


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}