Credit Card Center Advertiser Disclosure

Posts: 164
Registered: ‎01-11-2012
0 Kudos

BoA Travel Rewards Review - My new #1 card

I just finished my first statement cycle with this card - and as a new BoA customer.


First - the bad:  1.5% "value" back - is not as high as other cards - nor does it have special categories.  I would love to squeeze another .25% out of BoA, but did not apply for the 2%/$75 annual fee version (For a reason - I didn't want to apply -and get denied as this was my first foray into BoA).  Lastly - the sign up bonus is weak ($100) - though it did apply to my first statement already!


Good:  My experience with BoA has actually been very pleasant (so far).  A customer service rep sent me a replacement card with a CHIP that already arrived. 


It is a aesthetically pleasing card.  I have Visa Signature benefits - and it has a chip for my overseas travel.  No Foreign Transaction Fees!  No annual fee either.  I like that - I like getting a card knowing I dont have to downgrade or cancel in a year. 


This card shows transactions online instantly.  I like BoA online better than Chase - not as good as AMEX or USAA, but better than Chase/Navy Fed/Pentagon


My first statement cut and appeared online exactly the day it said my statement cycle was over - not 3-4 days later like Chase.  And they already applied my sign up bonus. 


I have yet to redeem any points - there were no issues applying 1.5 X my statement value for my first rewards.  You redeem them at a value of 1 point/cent to a travel related purchase you have already purchased - so in a way it's the same as Venture points. 


All in all - I LOVE carrying ONLY two cards.  This is my main card - I put $1500 on it the first month with several travel related purchases.  I will continue to use my PENFED gas card for gas and as a backup.  


Hope this helps - I highly recommend it though I know some people loathe BoA.   I carry this over my CSP/Freedom/BCE/USAA MC/NFCU CashRewards so it has some tough competition!




Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
0 Kudos

Re: BoA Travel Rewards Review - My new #1 card

Thanks for the review!  I have one as well, but haven't used it much yet.  I am currently in UK and have been mostly using my SDFCU chip card for everything here.  The only thing I would like to see for the BoA card is a PIN to be used (and made default) so I don't have to hold up the lines here when two receipts print and the merchant has to stop and look for a pen.  The same thing usually happens with my SDFCU card, though, even though that card has a PIN... for some reason it defaults to requesting my signature.

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.