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Travel Rewards Credit Cards

Our Bank of America® travel rewards credit cards can get you closer to your next vacation.

From flexible travel points to cruise rewards to vacation packages or air miles, we've got a travel or cruise line credit card that's right for you. Start planning your next trip by applying for a Bank of America® travel rewards credit card online today.

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Bank of America ® Customized Cash Rewards

$200 online cash rewards bonus offer and 3% cash back in the category of your choice.

No annual fee †

Show More Show Less Bank of America ® Customized Cash Rewards credit card

• 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases Calculate rewards
• Choose which category you want to earn 3% cash back in: gas and EV charging stations ; online shopping, including cable, internet, phone plans and streaming ; dining; travel; drug stores and pharmacies; or home improvement and furnishings. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same .
• 0% † Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply. 3% † Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4% .
• Bank of America Preferred Rewards ® members earn 25%-75% more cash back on every purchase. That means the 3% choice category could earn 3.75% - 5.25% and the 2% at grocery stores and wholesale clubs could earn 2.50% - 3.50% , for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could earn 1.25% - 1.75% . Not enrolled? Learn more about Preferred Rewards Cash Rewards .
• This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank. You can take advantage of this offer when you apply now.

† Terms & Conditions  for Bank of America ® Customized Cash Rewards credit card

Bank of America ® Unlimited Cash Rewards

$200 online cash rewards bonus offer, show more show less bank of america ® unlimited cash rewards credit card.

• Earn unlimited 1.5% cash back on all purchases Calculate rewards
• 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 your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account. After that, a Variable APR that's currently 18.24% to 28.24% will apply. 3% † Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4% .
• Bank of America Preferred Rewards ® members earn 25%-75% more cash back on every purchase. That means you could earn 1.87% - 2.62% cash back on every purchase. Learn More About Preferred Rewards .

† Terms & Conditions  for Bank of America ® Unlimited Cash Rewards credit card

BankAmericard ®

Save on interest, show more show less bankamericard ® credit card.

• 0% Intro APR † for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 16.24% - 26.24% will apply. 3% † Intro balance transfer fee for the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4% .
• No Penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply † .
• Access your FICO ® Score for free within Online Banking or your Mobile Banking app.

† Terms & Conditions  for BankAmericard ® credit card

Bank of America ® Travel Rewards

25,000 online bonus points offer (a $250 value) and no annual fee †.

No annual fee †  and no foreign transaction fees †

Show More Show Less Bank of America ® Travel Rewards credit card

• Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open Calculate rewards
• Use your card to book your trip how and where you want with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases
• Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase. That means you could earn 1.87 to 2.62 points for every $1 you spend, everywhere, every time. Not enrolled? Learn more about Preferred Rewards Travel Rewards

† Terms & Conditions  for Bank of America ® Travel Rewards credit card

Bank of America ® Premium Rewards ®

60,000 online bonus points offer — a $600 value.

Low $95 annual fee † and no foreign transaction fees †

Show More Show Less Bank of America ® Premium Rewards ® credit card

• Earn unlimited points , that don't expire as long as the account remains open – 2 points for every $1 spent on travel and dining purchases and 1.5 points per $1 on all other purchases . Calculate Rewards Premium Rewards
• Get up to $200 in combined Airline Incidental and TSA PreCheck ® /Global Entry Statement Credits. Plus, access to world class travel benefits: travel and purchase protections, luxury hotel collection and concierge service.
• Redeem for cash back as a deposit into Bank of America ® checking or savings accounts, for credit to eligible Merrill ® accounts including 529 accounts, as a statement credit to your credit card, or for gift cards and purchases at the Bank of America Travel Center
• Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase. That means you could earn 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend. Not enrolled? Learn more about Preferred Rewards Premium Rewards

† Terms & Conditions  for Bank of America ® Premium Rewards ® credit card

Bank of America ® Premium Rewards ® Elite

75,000 online bonus points offer — a $750 value.

$550 annual fee † and no foreign transaction fees †

Show More Show Less Bank of America ® Premium Rewards ® Elite credit card

• 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 points don't expire as long as the account remains open. Calculate Rewards Premium Elite Rewards
• Bank of America Preferred Rewards ® members earn 25%-75% more points on every purchase. That means you could earn 2.5 to 3.5 points on travel and dining purchases and 1.87 to 2.62 points on all other purchases, for every $1 you spend.
• Get up to $550 in combined Airline Incidental, TSA PreCheck ® /Global Entry, and Lifestyle Statement Credits . Plus, a suite of luxury benefits to fit your lifestyle: full-service concierge, airport lounge and experience access, premier hotel amenities, travel and purchase protections.
• You choose how you want to be rewarded . Redeem points for travel, cash back, a statement credit, distinctive experiences or gift cards. Plus, save 20% on airfare when you pay with points through the Bank of America Travel Center.
• This online only offer may not be available if you leave this page, if you visit a Bank of America financial center or call the bank . You can take advantage of this offer when you apply now.

† Terms & Conditions  for Bank of America ® Premium Rewards ® Elite credit card

Bank of America ® Customized Cash Rewards for Students

3% cash back in the category of your choice, show more show less bank of america ® customized cash rewards credit card for students.

• 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases. Choose which category you want to earn 3% cash back in: gas and EV charging stations ; online shopping, including cable, internet, phone plans and streaming ; dining; travel; drug stores and pharmacies; or home improvement and furnishings To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same .
• Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
• When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO ® Score for free within Online Banking or your Mobile Banking app.

† Terms & Conditions  for Bank of America ® Customized Cash Rewards credit card for Students

Bank of America ® Unlimited Cash Rewards for Students

Start building your financial future while earning unlimited cash back, show more show less bank of america ® unlimited cash rewards credit card for students.

• Earn unlimited 1.5% cash back on all purchases with no limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open

† Terms & Conditions  for Bank of America ® Unlimited Cash Rewards credit card for Students

BankAmericard ® for Students

Save on interest, a great choice when you’re just starting out, show more show less bankamericard ® credit card for students.

• Your card comes with our $0 Liability Guarantee and chip technology for additional security when used at chip-enabled terminals

† Terms & Conditions  for BankAmericard ® Credit Card for Students

Bank of America ® Travel Rewards for Students

Start building your financial future.

No annual fee † and no foreign transaction fees †

Show More Show Less Bank of America ® Travel Rewards Credit Card for Students

• Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open. Use your card to book your trip how and where you want with no blackout dates and pay yourself back with a statement credit towards travel and dining purchases.
• 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of your account opening

† Terms & Conditions  for Bank of America ® Travel Rewards Credit Card for Students

Bank of America ® Customized Cash Rewards Secured

Help build your credit while earning 3% cash back in the category of your choice, show more show less bank of america ® customized cash rewards secured credit card.

• 3% cash back in the category of your choice, automatic 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and unlimited 1% cash back on all other purchases. Choose which category you want to earn 3% cash back in: gas and EV charging stations ; online shopping, including cable, internet, phone plans and streaming ; dining; travel; drug stores and pharmacies; or home improvement and furnishings. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.
• Open your account with a security deposit ($200-$5,000) . Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line. We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
• Build up your credit history – use this card responsibly and over time it could help you improve your credit score.
• Your financial health. Our Priority. Bank of America – Outstanding Customer Satisfaction with Financial Health Support – Banking & Payments, 2 years in a row
• Secured card products are not eligible for a new account bonus offer, like a cash rewards bonus offer, and introductory APRs are not available.

† Terms & Conditions  for Bank of America ® Customized Cash Rewards secured credit card

Bank of America ® Unlimited Cash Rewards Secured

Help strengthen or build your credit and earn unlimited cash back, show more show less bank of america ® unlimited cash rewards secured credit card.

• Build up your credit history — use this card responsibly and over time it could help you improve your credit score

† Terms & Conditions  for Bank of America ® Unlimited Cash Rewards secured credit card

BankAmericard ® Secured

Help establish, strengthen - or even rebuild your credit with a card that's simple and convenient, show more show less bankamericard ® secured credit card.

• Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line.
• We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
• Secured card products are not eligible for a new account bonus offer, like a statement credit, and introductory APRs are not available.

† Terms & Conditions  for BankAmericard ® secured credit card

Bank of America ® Travel Rewards Secured

Help strengthen or build your credit and earn unlimited points, show more show less bank of america ® travel rewards visa ® secured credit card.

• Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points as long as your account remains open. Use your card to book your trip how and where you want with no black out dates and pay yourself back with a statement credit towards travel and dining purchases.
• Open your account with a security deposit ($200-$5,000). Upon credit approval your required deposit is used, in combination with your income and your ability to pay, to help establish your credit line. We'll periodically review your account and, based on your overall credit history (including your account and overall relationship with us, and other credit cards and loans), you may qualify to have your security deposit returned. Not all customers will qualify.
• Build up your credit history — use this card responsibly and over time it could help you improve your credit score.
• Secured card products are not eligible for a new account bonus offer, like a bonus points offer, and introductory APRs are not available.

† Terms & Conditions  for Bank of America ® Travel Rewards Visa ® secured credit card

Alaska Airlines Visa Signature ®

Limited time online offer: 70,000 bonus miles plus alaska's famous companion fare™, show more show less alaska airlines visa signature ® credit card.

• 70,000 Bonus Miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of your account opening. Plus, celebrate your account anniversary with Alaska's Famous Companion Fare™ every year that you spend at least $6,000 on purchases with your card.
• Free checked bag for any cardholder who purchases airfare with their card, and up to 6 additional guests traveling on the same reservation. Plus you'll enjoy priority boarding when you pay for your flight with your card , so you can get to your seat quicker.
• 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 purchases including rideshare. Earn unlimited 1 mile per $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all miles earned on card purchases if you have an eligible Bank of America ® account.
• Flexibility with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.
• 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.

† Terms & Conditions  for Alaska Airlines Visa Signature ® Credit Card

Susan G. Komen ® Customized Cash Rewards credit card

Help fight breast cancer and get a $200 online cash rewards bonus offer, show more show less susan g. komen ® customized cash rewards credit card.

• 3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs (on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter) and 1% cash back on all other purchases Calculate rewards Cash Rewards
• Bank of America Preferred Rewards ® members earn 25%-75% more cash back on every purchase. That means the 3% choice category could earn 3.75% - 5.25% and the 2% at grocery stores and wholesale clubs could earn 2.50% - 3.50% , for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could earn 1.25% - 1.75% . Not enrolled? Learn more about Preferred Rewards

† Terms & Conditions  for Susan G. Komen ® Customized Cash Rewards credit card

Free Spirit ® Travel More World Elite Mastercard ®

Online offer: 50,000 bonus points + a $100 companion flight voucher.

$0 introductory annual fee for the first year. After that it's just $79 †

Show More Show Less Free Spirit ® Travel More World Elite Mastercard ®

• Earn 3 points per $1 spent on eligible Spirit purchases, 2 points per $1 spent on eligible dining and grocery store purchases and 1 point per $1 spent on all other purchases
• Earn 50,000 bonus points plus a $100 Companion Flight Voucher after making at least $1,000 in purchases within the first 90 days of account opening
• Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases within the prior anniversary year
• No limit to the points you can earn, no points expiration as long as your card account is open, and no redemption fees as a primary cardholder

† Terms & Conditions  for Free Spirit ® Travel More World Elite Mastercard ®

Allways Rewards Visa ®

Online offer: 25,000 bonus points.

Low $59 annual fee † and no foreign transaction fees †

Show More Show Less Allways Rewards Visa ® card

• Winner: Best Airline Credit Card , USA Today's 10Best Readers Choice Awards!
• Online Offer: Earn 25,000 Bonus Points – equal to $250 off a future Allegiant trip when you redeem points, after you make $1,000 or more in purchases within the first 90 days of account opening
• 3 points per $1 on Allegiant purchases, 2 points per $1 on qualifying dining purchases and 1 point per $1 on all other purchases
• No blackout dates, no destination restrictions and no minimum points redemption

† Terms & Conditions  for Allways Rewards Visa ® card

Air France KLM World Elite Mastercard ®

Online offer: 50,000 bonus miles after qualifying purchases.

Low $89 annual fee † and no foreign transaction fees †

Show More Show Less Air France KLM World Elite Mastercard ®

• Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening
• 3 Miles per $1 spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases
• 1.5 Miles per $1 spent on all other purchases
• Get 60 XP upon approval to help advance to the next status for more generous perks

† Terms & Conditions  for Air France KLM World Elite Mastercard ®

Royal Caribbean Visa Signature ®

Online offer: 25,000 bonus points, show more show less royal caribbean visa signature ® credit card.

• Get 25,000 MyCruise ® bonus points after making at least $1,000 in purchases in the first 90 days of your account opening, worth $250 in onboard credit
• Earn 2 MyCruise points for every $1 spent on qualifying purchases with Royal Caribbean® and our sister brand, Celebrity Cruises®
• Earn 1 MyCruise point for every $1 spent on all other purchases
• Redeem your points for onboard credit, stateroom upgrades and cruise vacations on Royal Caribbean ® and our sister brand, Celebrity Cruises ®

† Terms & Conditions  for Royal Caribbean Visa Signature ® Credit Card

Norwegian Cruise Line ® World Mastercard ®

Online offer: 20,000 bonus points, show more show less norwegian cruise line ® world mastercard ®.

• Online Offer: 20,000 bonus points after you make $1,000 or more in purchases in the first 90 days of account opening. That's enough for a $200 onboard credit or $200 off your next Norwegian cruise .
• Earn 3 WorldPoints ® points per $1 spent on Norwegian purchases, 2 WorldPoints points per $1 spent on eligible air and hotel purchases and 1 WorldPoints point per $1 spent on all other purchases
• Redeem points for hundreds of rewards like cash, gift cards, hotels stays, car rentals or Norwegian redemptions
• Bank of America Preferred Rewards ® members earn a 25% - 75% points bonus on every purchase, applied to the base earn of 1 point per $1. Not enrolled? Learn more about Preferred Rewards Travel Rewards

† Terms & Conditions  for Norwegian Cruise Line ® World Mastercard ®

Celebrity Cruises Visa Signature ®

Show more show less celebrity cruises visa signature ® credit card.

• Earn 2 MyCruise ® points for every $1 spent on qualifying purchases with Celebrity Cruises ® and our sister brand, Royal Caribbean ®
• Redeem your points for onboard credit, stateroom upgrades and cruise vacations on Celebrity Cruises ® , and our sister brand, Royal Caribbean ®

† Terms & Conditions  for Celebrity Cruises Visa Signature ® Credit Card

Preferred Rewards makes your credit card even better

When you enroll in the Preferred Rewards program, you can get a 25% — 75% rewards bonus on all eligible Bank of America ® credit cards.

Plus, as a Preferred Rewards member, you enjoy real benefits and rewards on your everyday Bank of America ® banking and Merrill investment accounts. And as your qualifying balances grow, so do your benefits.

Learn more about Preferred Rewards

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Bank of America® Travel Rewards credit card review

Written by: Re'Dreyona Walker

Edited by: Tracy Stewart

Partner Offer

In a Nutshell:

  You can travel anytime you want with this flexible travel card: The Bank of America Travel Rewards credit card sets itself apart from other travel cards by doing away with restrictive travel policies and letting you book your rewards-funded travel yourself.

Learn more about this card

Other Notable Features: No foreign transaction fees, Visa Signature benefits, EMV chip card with the ability to add a PIN for international travel, auto rental collision damage waiver, roadside dispatch, lost luggage reimbursement, concierge services

The Bank of America® Travel Rewards credit card is a great choice for occasional travelers who like to search the web for the best deals without sacrificing their option to use rewards for the purchase. It’s an incredibly flexible card when it comes to redemption options and earning capacity, however, it lacks many of the appealing benefits offered by other popular travel credit cards. That said, there are some limitations compared to cards with a potentially higher rewards value.

The Bank of America Travel Rewards credit card offers a solid rewards program, especially if you already have Merrill or Bank of America® accounts. The Bank of America Preferred Rewards® program offers even more rewards on top of what you would earn with its flat-rate 1.5-point rewards structure. For those who don’t mind having a more complicated rewards structure in return for more travel benefits, rewards and cardholder perks, you may do better with other comparable travel rewards cards.

• No annual fee : Most travel rewards cards require you to pay an annual fee in exchange for premium travel perks, so having a $0 annual fee is unique.
• No foreign transaction fee : Foreign transaction fees can make the overall cost of your purchases go up tremendously. Fortunately, when going abroad, travelers do not have to worry about these pesky charges when using this card.
• Decent sign-up bonus : After spending $1,000 in purchases within the first 90 days after account opening, new cardholders can get 25,000 online bonus points, which is an excellent offering on top of the card’s ongoing rewards rate.
• Uncapped reward earnings : Since there is no limit to the number of points you can earn, you can easily maximize your reward earnings.
• Special perks for Bank of America customers : The Preferred Rewards program allows certain Bank of America® credit card holders to earn extra bonus rewards. If you have enough money in combined balances in your Bank of American and Merrill accounts, you can earn 25%-75% more rewards.
• Requires good or excellent credit : Potential applicants may be denied if they do not fulfill the credit score requirement, which could prevent many people from applying.
• Potentially high APR : Depending on your creditworthiness, you could be subjected to an APR that you may not be comfortable with.
• No bonus categories : The card only offers flat-rate rewards, which may not be enough for people looking for tiered categories to boost their reward earnings.

Why you might want the Bank of America Travel Rewards Card

If you’re the type of cardholder always looking around for a good sign-up bonus on a card with no annual fee, then Bank of America’s travel card is a great option for you. You’ll earn a flat rate of rewards on all your purchases, giving you the freedom to shop for what you want, when you want to and still earn a decent rate.

One unique benefit of this card is that if you happen to have a Merrill or a Bank of America account you can earn a boosted rewards rate with Preferred Rewards.

Higher sign-up bonus

Though not the most valuable sign-up offer currently available, the Bank of America Travel Rewards credit card does include a decent bonus of 25,000 online points for users who spend $1,000 in the first 90 days. If you redeem these points for travel purchases, they are worth up to $250.

Flat-rate rewards on all purchases

The Bank of America Travel Rewards credit card comes with one flat earning rate on all purchases – making it easy to rack up points without keeping track of bonus categories or focusing your spending in one area. Cardholders bring in 1.5 points per dollar on every purchase. The one exception to this is purchases made in the Bank of America Travel Center, which earn an additional 1.5 points per dollar for a total of 3 points per dollar spent.

Bank of America Preferred Rewards program

If you are already a Bank of America or Merrill checking or savings account holder, you might be able to boost your earning rate on the Bank of America Travel Rewards credit card. This is certainly the case if you have a significant balance. Bank of America has a tiered rewards rate program that increases at incremental stages depending on how large your account balance is in your Bank of America or Merrill account. You can potentially qualify for a 75% point boost with an increased earned rate of 2.6% (up from the standard 1.5% per dollar spent) by qualifying for Platinum Honors – Bank of America’s highest Preferred Rewards tier.

Bank of America Preferred Rewards tiers and earning rates

As you can see, even if you don’t have a balance over $100,000 in your Bank of America or Merrill account you can still earn either a 25% or 50% boost to your rewards rate.

When combined with some of the other benefits of this card, even a 1.9% earning rate makes this card stand out despite the fact some flat-rate rewards cards have a slightly higher rate.

Flexible point redemption

Points earned with the Bank of America Travel Rewards credit card are worth the same amount whether you book travel with the bank or another site – unlike other travel cards that offer a boost on certain purchases. However, this gives the card some added flexibility and means you can think less critically about how you want to use those points.

You can redeem points for any travel purchase made on your card in the last 12 months. That means you can find a better deal on a third-party travel site and still use your rewards to cover the cost. You may also redeem points for a statement credit to pay for dining purchases, a cash redemption or gift card.

Bank of America Travel Rewards redemption options

Solid intro apr for new purchases and balance transfers.

In addition to easy-to-earn rewards and flexible redemption, the Bank of America Travel Rewards credit card offers a 0% introductory APR for 15 billing cycles for new purchases (18.24% to 28.24% variable thereafter) and for balance transfers made within the first 60 days (after which, the 18.24% to 28.24% variable APR applies). There is a 3% intro balance transfer fee for 60 days from account opening, then 4%.

Very few travel cards offer an intro APR on both balance transfers and new purchases, so this card could be an ideal pick if you need to pay off debt or chip away at the cost of a new purchase in the short term, but want to focus on earning travel rewards long term.

This can be a great perk for users who have a big purchase to make and want to pay it down over time without racking up interest. You’ll have a little more than a full year to make slow payments without having to worry about additional charges. Just be sure not to charge more than you can pay off in the introductory period, as the ongoing APR can be high.

Why you might want a different travel rewards card

If you’re familiar with rewards programs, know which categories you spend your money the most and can plan accordingly to use different cards for every purchase, you might want to opt for a more elaborate card strategy that takes advantage of higher earning cards. A rate of 1.5 points per dollar spent is a decent rate, but it’s by no means the best offer out there.

That said, there are a few shortcomings the Bank of America Travel Rewards card has that makes it fall a little further down the list of best travel rewards cards.

No bonus for travel redemption

Redemption through an issuer’s travel portal is a competitive feature on a travel rewards card that comes with some other cards in this category. Unfortunately, points redeemed for travel through the Bank of America Travel center won’t see an increase in value like on some other issuer’s cards. This puts Bank of America’s card a little further down the list.

Although purchases made through the travel center will earn double points, redeeming those points for travel won’t increase their value. Meaning you’ll need to spend more to increase the worthiness of your rewards, while with another card it might mean spending less and redeeming for more.

For example, points earned with the Chase Sapphire Preferred Card earn an additional 25% value when redeemed through the Chase Ultimate Rewards Portal, making points (normally worth 1 cent each) worth 1.25 cents each.

The most value you can get out of a Bank of America Travel Rewards credit card point is 1 cent per point, other travel cards can often outpace its value. When comparing to another card, be sure to keep point value in mind because, like Chase, some issuers have increased point value.

Low rewards rate

While earning 1.5 points per dollar on every purchase is convenient and it can be boosted if you’re a Bank of America or Merrill account holder, for a general cardholder who’s looking for a solid travel rewards card, it’s a little low. Even the 3 points per dollar on travel booked through Bank of America’s Travel Center is comparatively low to other cards, especially considering the points’ low value for redemption.

If you want to step into travel rewards and fly higher, you might benefit from a card that earns at a higher rate on general purchases and pair it with a card from the same issuer that earns a high rate for travel. This may allow you to pool your points and redeem them through that issuer’s rewards portal.

For instance, you might be better served with a 2% cash back card like the Citi Double Cash® Card (1% when you buy, 1% when you pay) paired with the Citi Premier® Card . While the Premier Card has an annual fee of $95, depending on how much you spend you may be able to offset that fee by earning more rewards than you would with the Bank of America Travel Rewards card.

No standout perks

The Bank of America Travel Rewards credit card has a few benefits that make it valuable for frequent travelers, but it doesn’t have many extensive perks.

• No foreign transaction fee – When traveling abroad, you won’t pay any surcharge on foreign transactions.
• Car rental insurance – If your rental car is damaged or stolen, the Bank of America Travel Rewards credit card can reimburse you in excess of the company’s insurance policy.
• Add PIN for international travel – The Bank of America Travel Rewards credit card is an EMV chip card, and you can add a PIN for easy use when traveling overseas.

While certainly not the most impressive travel perks available on a rewards card, all these benefits could potentially save frequent travelers some money on their next trip — but in comparison to other travel rewards cards, you could get a much better lineup of perks than with this card.

How does the Bank of America Travel Rewards card compare to other cards?

The flat earning rate on the Bank of America Travel Rewards credit card makes it easy to rack up points with this no-annual-fee option, but savvy spenders might be able to get more out of a travel card with a different structure. Here are a few popular alternatives:

Bank of America Travel Rewards vs. Chase Sapphire Preferred

A fan-favorite travel card, the Chase Sapphire Preferred offers a good rewards rate and a valuable sign-up bonus. If you redeem all 60,000 points (after spending $4,000 in the first three months to earn the bonus) for travel in the Chase Travel portal, they are worth up to $750. The biggest drawback to the Sapphire Preferred in comparison to the Bank of America Travel Rewards Card is its $95 annual fee, though heavy spenders can probably offset this cost with a great earning rate on travel and restaurant purchases.

See Related :  Bank of America Travel Rewards vs. Chase Sapphire Preferred: Which is best for you?

Bank of America Travel Rewards vs. Capital One VentureOne

Like the Bank of America Travel Rewards credit card, the Capital One VentureOne doesn’t charge an annual fee and offers a flat rate of miles on most purchases – 1.25 miles per dollar. The Capital One VentureOne also charges no foreign transaction fee. However, the VentureOne also comes with a higher low-end and high-end APR rate (19.99% to 29.99% variable) than the Bank of America Travel Rewards Card does. Miles with the VentureOne are also worth that same as Bank of America points at 1 cent apiece. However, with a lower earning rate, the VentureOne won’t compete well with cards that have a high point value and a high earning rate.

Bank of America Travel Rewards vs. Wells Fargo Autograph

The Wells Fargo Autograph is another popular no-annual-fee travel card, thanks to its extensive list of categories that qualify for the 3 point-per-dollar rate. Cardholders can earn 3 points per dollar on restaurants, travel, transit, gas station purchases, select streaming services and phone plans as well as 1 point per dollar on other purchases. This makes it easy to rack up plenty of points. Plus, cardholders who also have a Wells Fargo Active Cash® Card may earn even more cash rewards on purchases.

How to use the Bank of America Travel Rewards credit card:

• Spend at least $1,000 in the first 90 days to earn the sign-up bonus.
• Put all your purchases on the card to take advantage of a generous flat rewards rate.
• Consider purchasing travel through the Bank of America Travel center to earn double points.
• If you are eligible, sign up for Preferred Rewards to boost your earnings.

Is the Bank of America Travel Rewards credit card right for you?

If you are the type of cardholder who prefers to put all their purchases on one card and not worry about keeping track of bonus categories, the Bank of America Travel Rewards credit card offers a good rate of points for a card with no annual fee. Plus, Bank of America account holders with a significant balance can boost their rewards rate and fast-track their way to their next vacation.

On the other hand, if the realm of rewards earning sparks your curiosity and you want to maximize how much you get back for what you spend, you might consider a more strategic approach. That said, the Bank of America Travel Rewards card is a terrific option for newcomers to rewards or for those who aren’t confident in their ability to offset the annual fees they may face with more beneficial cards.

Need more information on this card? See related articles:

• Bank of America Travel Center: How to book flights, hotels and vacations.
• Card Comparison – Bank of America Travel Rewards vs. Chase Sapphire Preferred
• Card Comparison – Bank of America Travel Rewards card vs. Bank of America Cash Rewards card
• Card Comparison – Bank of America Travel Rewards vs. Capital One Venture Card

*All information about Wells Fargo Propel American Express card has been collected independently by CreditCards.com and has not been reviewed by the issuer. 

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• Account Home
• Using Your Card
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Card Benefits

Visa Signature ® Travel Rewards+ Card

Service benefits, earn rewards 1.

• 4X Points on Travel
• 4X Points on Gas Stations and EV Charging Stations
• 4X Points on Entertainment and Recreation
• 1.5X Points on all other eligible purchases

Redeem Rewards 2

To redeem rewards:

• Log in to Account Access .
• Select your Account, and within the top navigation select “Rewards & Benefits”.
• Click “Redeem rewards at Rewards Center” to reach the rewards center and start redeeming.

Or call the number on the back of your card to reach Cardmember Service.

• Redeem for travel rewards, cash back 3 , gift cards or name brand merchandise.
• Redemption starts at 2,500 points for $25 cash back.

24/7 U.S.-Based Customer Service

Our dedicated specialists are available 24/7 to assist you with any account questions.

Call the number on the back of your card.

Lost/Stolen Card Reporting

Our dedicated specialists are available 24/7 to assist you with a lost or stolen card. Call Cardmember Service immediately - available 24 hours a day.

Consumer cards: 1-800-558-3424 Business cards: 1-866-552-8855 International (Collect): 701-461-1556

Fraud Protection

Our sophisticated fraud-monitoring tools look for abnormal spending patterns. If we see something unusual, we move fast to help keep your card and account information safe. We provide zero fraud liability 4 for unauthorized transactions. If you notice any charges you did not make, please notify us promptly by calling the number on the back of your card. Certain conditions and limitations may apply. Learn more

Emergency Card Replacement and Cash Disbursement

Our 24/7 worldwide service allows you to quickly and easily get a replacement card sent to you and/or receive emergency cash at a convenient location.

Contactless Payments

Pay with a tap. Use your card for contactless payments wherever you see the Contactless Symbol and your payment is processed in seconds. You enjoy the same chip security whether you tap or insert your card. Cards are embedded with a microchip that adds an additional layer of security. If a terminal is not yet contactless-enabled you can insert or swipe your card as usual. Learn more

View Visa Signature Guide to Benefits (PDF)

Certain terms, conditions and exclusions apply. Please refer to the Guide to Benefits for further details and full terms and conditions.

• Airport Lounge Access Escape the airport crowds and await your flight in quiet comfort. Your complimentary 12-month Priority Pass™ Select Membership gives you 4 free visits to over 1,500 airport VIP lounges and experiences worldwide. Enroll at prioritypass.com/travelrewardsvs . * Number of lounges and experiences is subject to change.
• Visa Luxury Hotel Collection The Visa Signature Luxury Hotel Collection offers an unparalleled experience with a premium collection of benefits like VIP status, complimentary breakfast for two, an upgrade when available. For details visit VisaSignatureHotels.com .
• Travel and Emergency Assistance Services When you're traveling or working anywhere in the world, your card gets you access to a multilingual call center - 24 hours a day, 365 days a year - for the assistance you need. You, your spouse and legal dependent children under 22 years of age who are traveling with you can call toll-free in the United States or collect when traveling abroad. Services include: medical and legal referrals, emergency transportation and more. Call the Benefit Administrator at 1-800-992-6029 to get your questions answered. If you are outside the U.S., you can call collect at 1-804-673-1675. Travel and Emergency Assistance Services is provided on a best-effort basis and may not be available due to problems of time, distance or location.
• Roadside Dispatch � Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-847-2869. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees.

Discounts and Special Access

• Concierge Service Your Visa Signature card comes with complimentary, 24/7 access to the Visa Signature� Concierge service. Simply call 1-800-953-7392 anytime for assistance booking travel, event tickets and more- even dinner reservations or golf tee times. 5
• Visa Offers + Perks Enjoy discounts at the places you love to shop. Indulge your passion and gain access to a wide variety of offers and deals, including food and wine, shopping, sports, entertainment and more. Find your favorites at visa.com/offers .
• ID Navigator Powered by NortonLifeLock™ Tools to help you act quickly if your personal data is threatened No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen. To confirm eligibility, visit cardbenefitidprotect.com . * No one can prevent all cybercrime or all identity theft.
• Signature Event Access, Offers, and Discounts Enjoy access to special packages, discounts, offers, upgrades, and events in these categories: travel, entertainment, fine wine and food, sports and shopping. Learn more at visa.com/signature .

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• bankofamerica.com

How It Works

Choose the rewards that matter to you.

Redeem your points for popular gift cards, travel and cash.

Benefits you deserve

Enjoy perks like complimentary concierge services, dining discounts and more.

Earn bonus points

Redeem your points, earning points is easy.

When you use your Visa Signature ® credit card, you earn 1 point for $1 spent on purchases .

See how your points could add up:

Estimated monthly points total

Estimated annual points total

For illustrative purposes only. Actual points earned will depend on your individual purchases.

Enjoy access to exclusive dining events, experience music and sporting events from the best seats or receive discounts for your favorite merchants.

Learn more about your benefits

Your Visa Signature ® rewards are easy to redeem. Choose the rewards from gift cards, travel and cash.

Choose the gift that always fits. Redeem gift cards from top national retailers.

Redeem points for airline travel, hotel stays and car rentals.

Call 1.800.406.8472

Convert your rewards into a direct deposit or request a statement credit.

Need assistance?

Consultants are available 24 hours a day, 7 days a week.

1.800.406.8472

Frequently Asked Questions

• What is the BankAmeriDeals ® program? The BankAmeriDeals ? program puts cash back deals right on your eligible Bank of America credit and debit cards. Simply view your cash back deals in Online Banking and choose the stores and restaurants that you like. Shop and dine as you normally do using your credit or debit card, and get cash back credited to your account the following month. (See also: How does the BankAmeriDeals ? program differ from the Add It Up ? program and BankAmeriCard Cash Rewards credit card?)

You can redeem points either online at www.bankofamerica.com or by calling 1.800.406.8472.

For questions not related to reward redemption, please call the Bank of America customer service center, 24 hours a day, seven days a week, at 1.800.406.8472.

To track your order online, sign in to the Rewards site and select Order Status. Or call us at 1.800.406.8472 and we can track it.

All terms will be printed on the gift card.

You can redeem your points for gift cards from top-name retailers and restaurants.

The gift cards are not personalized and may be transferred to someone else.

Redemptions start at 2,500 points. Primary Cardholders and authorized users may redeem for cash. You may choose to have the rewards direct deposited or a check will be made payable to the primary cardholder.

Your points balance will be updated immediately following any redemption.

The check or direct deposit should be received within 14 business days of receipt of the request.

You can redeem by telephone, 24 hours a day, 7 days a week.

When using the Less Restricted Air Reward, Car Rental Award and Hotel Award you can book travel with only 1 day advance notification.

No. This program allows you to travel on holidays, weekends, and during other busy days throughout the year.

No. Points may not be combined with any other program.

Yes the Bank of America Visa Signature ® rewards program includes a First and Business Class Air Reward. Please see the Program Rules for complete list of redemption levels.

Yes, the Bank of America Visa Signature ® rewards program allows you to book car and hotel reservations worldwide through participating companies and includes specific International Air Awards for travel worldwide. Please see the Program Rules for complete list of redemption levels.

No. The Bank of America Visa Signature ® rewards program does not charge additional fees for redemption.

Bank of America, N.A. Member FDIC. Equal Housing Lender © 2024 Bank of America Corporation. All rights reserved.

Site temporarily unavailable

We are currently updating our systems to bring enhanced features to the online rewards experience. As a result, this website is temporarily unavailable. Rewards redemption will not be accessible until late afternoon on April 30. Thank you for your patience.

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You're continuing to another website that Bank of America doesn't own or operate. Its owner is solely responsible for the website's content, offerings and level of security, so please refer to the website's posted privacy policy and terms of use. It’s possible that the information provided in the website is available only in English.

Rewards update (October 2013)

We're simplifying and improving the redemption experience

• An improved online redemption experience
• Access to over 150,000 hotel and resort properties
• Choose from all major car rental companies
• Enjoy greater self-service options and travel assistance over the phone

What will be the changes to my rewards program?

• Merchandise will no longer be available as a redemption option. You'll still be able to use your card to purchase merchandise at any retailer, earn points on that transaction, and redeem points for cash to offset your purchase.
• Redemption for cruises, activities, and tours is being discontinued.
• The ability to purchase points is no longer necessary and will be removed because we have simplified the process to allow you to combine points and cash for travel redemptions.
• Statement credit redemptions are available as a Cash redemption and no longer processed in the form of Hotel or Car statement credits at the travel provider.

Don't forget: You can still redeem your points for gift cards, airfare, hotels, and car rentals — as well as deposits into a checking or savings account, or receive a credit on your next statement.

A force multiplier for travel rewards: Wells Fargo Visa Signature credit card review

Update: The Wells Fargo Propel American Express® card is no longer open to new applications. Some offers mentioned below are no longer available. View the current offers here .

Wells Fargo Visa Signature® card Overview

The Wells Fargo Visa Signature® card doesn't offer rewards that transfer to airline miles, but as you'll see, that shouldn't be a deal-breaker since it gives you the opportunity to earn an impressive 4.5% back in travel rewards on many of your purchases. Card Rating*: ⭐⭐⭐½

*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

As more airlines move to dynamic — and usually higher — pricing of their mileage awards, they're giving travelers less incentive to use their own cobranded cards to earn frequent-flyer miles. Instead, award travel enthusiasts should be looking for ways to earn rewards from their credit cards that they can redeem for any flight on any airline. The Wells Fargo Visa Signature Card can be a great tool for doing just that. The points this card earns can be worth as much as 1.5 cents each toward flights. Better yet, carrying this card has the effect of increasing the value of points you earn from other Wells Fargo cards, which is why you shouldn't overlook it in your wallet.

First, the bad news: The card application is not currently available on the Wells Fargo site. But if you already carry this potential powerhouse, read on to see how you can leverage its benefits for maximum value.

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

New to The Points Guy? Want to learn more about credit card points and miles? Sign up for our daily newsletter .

Who is this card for?

The Wells Fargo Visa Signature is a card for those who want to earn travel rewards without paying an annual fee or having to focus their energy on a single airline and hotel loyalty program. With this card you earn points that can be redeemed for flights on any airline, just like paying for tickets with cash. This is also a card that works well for those who already bank with Wells Fargo and want to manage their credit cards along with their other accounts.

Finally, this card's secret superpower is that it increases the value of the Wells Fargo Go Far Rewards earned from the bank's other cards, including the Wells Fargo Propel American Express® card (no longer available to new applicants). Normally, points earned from that card are worth 1 cent each toward airfare redemptions, but when you also carry the Wells Fargo Visa Signature card, they become worth 1.5 cents each.

The Wells Fargo Propel offers various bonus earning categories with up to 3x per dollar on:

• Gas stations
• Popular streaming services

It earns 1x on everything else. So if you used your Wells Fargo Propel to earn 3x on those special categories, and then combined your rewards with the ones from your Wells Fargo Visa Signature before redeeming for flights, you could be getting as much as 4.5% (3x with a 50% bonus) return on your spending for airfare redemptions, specifically.

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

Sign-up bonus

The card is currently not available to new applicants.

Main benefits and perks

This card comes with strong benefits, including:

• 0% intro APR financing for the first 15 months from account opening on both new purchases and balance transfers (then a variable APR of 12.49% to 25.49% applies)
• Introductory balance fee of either $5 or 3%of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5%for each balance transfer, with a minimum of $5.
• Trip cancellation protection
• Lost luggage reimbursement
• Collision damage coverage on auto rentals
• Purchase protection
• Price protection
• Extended warranty coverage
• Mobile phone protection plan that covers you when you charge your phone service bill to your card
• Visa Signature Luxury Hotel Collection perks

Many of these are simply benefits that come with any Visa Signature card. But take special note of the mobile phone protection — for just a $25 deductible, you'll receive up to $600 in coverage against theft or damage for your phone (up to $1,200 per 12-month period) when you use your card to pay your monthly cell phone bill. That's extraordinary for a no-annual-fee credit card .

Related: Best credit cards for cell phone protection

How to earn points

Let's get straight to the point: This card's earning rate is poor. You'll earn just 1 point per dollar spent on all purchases. That's it. You can, however, earn bonus points when you shop through the Wells Fargo's Go Far Earn More Mall .

How to redeem points

Points from this card can be redeemed through the Go Far Rewards portal for:

• Car rentals
• Merchandise
• Online auctions

You'll want to skip all options except airfare redemptions, though. That's because points redeemed for airfare are worth 1.5 cents each, which is 50% more than the others possibilities. Just note that you have to redeem your points using the Wells Fargo Go Far Rewards portal, specifically; you can't book your reservations directly with an airline or through an OTA and then request a statement credit later.

Related: Wells Fargo Go Far Rewards

Little-known facts about the Wells Fargo Visa Signature

1. You can receive as much as 1.75 cents per point. If you use your card to spend $50,000 in a year, you receive as much as 1.75 cents per point in value for airfare redemptions.

2. This is one of the rare no-annual-fee Visa Signature cards. As mentioned above, the Visa Signature program comes with a suite of benefits, including various travel protections. But nearly all Visa Signature cards charge annual fees, except this one and a few others.

3. It's also a rare no-annual-fee card with mobile phone protection. There aren't too many cards that offer theft and damage coverage for mobile phones, beyond the basic 60 or 90 days of purchase protection that might cover all new purchases. But this card has no annual fee and cell phone protection (with a $25 deductible) with a maximum benefit limit of $600 per claim and $1,200 per 12-month period. That's more generous than most cell phone coverages on annual-fee-incurring cards!

4. This card charges a "foreign currency conversion fee." Many credit cards still charge a foreign transaction fee for charges processed outside of the U.S. Cards that have these fees even impose them on charges you make at home from a foreign company in some cases. For example, if you purchase a travel reservation from a foreign airline or hotel, you might be charged in U.S. dollars, but since the transaction is processed outside of the U.S., you could still be charged this fee. This is also the case in other countries that use U.S. dollars, such as Ecuador, El Salvador and the British Virgin Islands. But the Wells Fargo Visa Signature card is different in that it has a foreign currency conversion fee of 3%. This means that you should't be charged this fee if your foreign transaction is in U.S. dollars. It's better to have a card with none of these fees, but Wells Fargo is doing something different here.

Related: Best credit cards with no foreign transaction fees

Bottom line

The Wells Fargo Visa Signature card is a simple travel rewards card with serious potential. If you were able to apply while it was still possible, you would have started off with a generous initial rewards offer and 15 months of interest-free financing. But to get really good long-term value from this card, you'll need to use it for airfare redemptions to get 1.5 or even 1.75 cents per point. You'll also want to pair it with the Wells Fargo Propel American Express card to get that card's 3x reward categories.

By itself, airfare rewards worth 1.5% of spending aren't very exciting, even with a strong package of cardholder benefits. But when you're able to combine these two cards and up your return on spending to 4.5% (or even 5.25% if you spend $50,000 or more per year on the Wells Fargo Visa Signature) on many of your purchases, then you could have a winning combination.

Additional reporting by Joseph Hostetler.

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U.S. BANK FLEXPERKS ® BUSINESS TRAVEL REWARDS CARD

Benefits and Rewards

Get the most from your card.

Earn rewards, flexpoints add up quickly..

• Earn 2X FlexPoints  for every $1 spent at gas and electric vehicle charging stations, office supply stores, or airlines — whichever you spend most on each monthly billing cycle. 1
• Earn 2X FlexPoints on qualifying charitable donations. Choose from a wide range of eligible local, national and international charities. 2
• Earn 2X FlexPoints at most cell phone service providers. 2
• Earn 1X FlexPoint  for every $1 of eligible net purchases charged to your card. 3
• Earn 5X on prepaid hotels and car rentals booked directly in the Rewards Center. 4
• FlexPoints expire five years from the end of the calendar quarter in which they were earned. 5
• The account must be open and in good standing to earn and redeem FlexPoints and benefits.

Visit the Rewards Center

Rewards Pooling

Rewards pooling is when all rewards earned by any card within the company card program accumulate to the Central Bill account, which can only be accessed by the Authorized Officer or Authorized Representative. Central Billing is required for rewards pooling.

Important Facts:

Most rewards accounts are automatically set up for rewards pooling. To verify if your account is set up for Central Bill with rewards pooling, contact  Cardmember Service  using the number on the back of your card. It will take up to two monthly statements to get set up on Central Billing and rewards pooling.

Learn About Central Billing

Redeem Rewards

• For example, 25,000 FlexPoints can be redeemed for $375 in airfare, hotel stays, car rentals, cruises, activities and more.
• Redeem FlexPoints for travel, merchandise, gift cards, cash back, live events and more. 6
• Redemption starts at just 1,000 FlexPoints.

How to redeem rewards:

• Log in to online banking .
• Under the “My Accounts” tab, select “My Rewards.”
• Click “Redeem Rewards & Access Card Benefits” to start redeeming.
• Or  Contact Us  to reach Cardmember Service.

Visa® Card Benefits⁷

View the Visa Card complete guide to benefits here (PDF).

Auto Rental Collision Damage Waiver

Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you’re traveling, you can be covered! It’s your ticket to significant savings and increased peace of mind. Certain terms, conditions, and exclusions may apply. 7

Call 1-800-348-8472 for additional details to determine if this coverage is right for you or to  make a claim .

Roadside Dispatch

Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-VISA-TOW ( 1-800-847-2869 ). Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees. Certain terms, conditions, and exclusions may apply. 7

Travel Accident Insurance

Use your eligible credit card to purchase travel fares on common carriers (train, plane, bus, or ship) and receive automatic Accidental Death and Dismemberment Insurance for you and your family. Certain terms, restrictions, and exclusions may apply. 7

Contact Us  or call the number on the back of your card to learn more.

Travel and Emergency Assistance Services

Enjoy your trip knowing you have a wide range of emergency services available 24 hours a day when you are away from home. Get help coordinating medical, legal, and travel services when you need them. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other goods or services provided. Certain terms, conditions, and exclusions may apply. 7

Call 1-800-992-6029 to learn more.

Purchase Security

Protect your credit card purchases in case of theft or damage due to a covered reason for the first 90 days from the date of purchase. Purchase Security will replace, repair, or reimburse your eligible items of personal property purchased entirely with your eligible credit card. Certain terms, conditions, and exclusions may apply. 7

Call 1-800-848-1943 to learn more or to  make a claim .

Extended Warranty

Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply. 7

Visa Discounts

Receive valuable discounts and/or gift-with-purchase offers from a wide collection of popular online and in-store retailers.

View Offers

Visa SavingsEdge ®

Enjoy this complimentary program where you can save up to 15% on business purchases. Enroll your Visa Business card to save money on qualifying purchases at participating merchants. Your savings appear as automatic credits on your future account statements.

Visa Spend Clarity

Enroll in Visa Spend Clarity, a simple and powerful free tool to access and sync expenses, set employee card controls, generate reports, and more.

Additional Benefits for Visa Signature ® Cardmembers

View the Visa Signature ® Card complete guide to benefits here (PDF).

• Not sure if you are a Visa Signature Cardmember?            - Look for the product name on your billing statement.

Lost Luggage Reimbursement

Enjoy greater peace of mind when you travel. If your checked or carry-on luggage and its contents are lost due to theft or misdirection by the common carrier, you can get reimbursed for the actual cost of repairing or replacing it. Certain terms, conditions, and exclusions may apply. 7

Call 1-800-757-1274 to learn more or make a claim .

Concierge Services

Enjoy personalized assistance with restaurant and travel reservations, event tickets, gift arrangements, business services, and more. Cardholders are responsible for the cost of any goods or services purchased. Certain terms, conditions, and exclusions may apply. 7

Learn More or call 1-800-953-7392 to talk with Concierge Services now.

Event Access, Offers, and Discounts

Enjoy access to special packages, discounts, offers, upgrades, and events in these categories: Travel, Entertainment, Fine Wine and Food, Sports, and Shopping.

Service Benefits

24/7 u.s.-based customer service.

We have dedicated specialists available 24/7 to assist you with any questions about your account.

Contact Us  or call the number on the back of your card.

Fraud Protection

We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

Chip Technology

Your credit card is embedded with a microchip that adds an additional layer of security to your traditional magnetic stripe card. It turns cardmember information into a unique code that is virtually impossible to duplicate or copy when used at a chip-enabled terminal. If the merchant has a chip terminal, they will ask you to simply insert your card into the terminal and sign your name to verify your purchase. At merchants who are not equipped with chip terminals, swipe your card and sign your name as usual.

Online and Mobile Account Access

View your account balance, pay your credit card, set up account alerts, and more.

Online Banking         Mobile Banking

Budgeting Tools

You know best how to manage your money, which is why U.S. Bank offers free credit card management tools that help you avoid interest and late fees. You can also set up account alerts, set controls and choose your payment due date.

Spend Analysis Online Reporting

Our Spend Analysis online reporting tool makes tracking and monitoring expenses easy.

• Monitor transactions in your top spend categories, such as Automotive, Food or Travel.
• Review transactions monthly, quarterly or annually.
• Download an easy to read Annual Account Summary (PDF format).

Simply log in to  Online Banking , select your credit card and click “Spend Analysis.”

Financial IQ

The U.S. Bank Financial IQ website offers educational, inspirational and thought leadership topics to promote financial wellness for everyone, whether at work, home or play. To find topics to support you and your business, please visit usbank.com/financialiq  and click on the "Manage your Business" section.

Additional Perks

$25 airline allowance.

Cardmembers may receive up to a $25 airline allowance with each redeemed round-trip airline award travel ticket toward baggage fees and other qualified ‘inflight’ purchases. 8

Combine Earned FlexPoints into a Single Account

If you have more than one FlexPerks credit card with more than one loyalty number, you can combine all your FlexPoints to go to one loyalty number. Contact Us to learn more.

Transfer FlexPoints with No Fee or Cost

If you want to transfer FlexPoints to another person, you can do that at no cost.

• Log in to online banking and select “My Rewards” under the “My Accounts” tab.
• Click “Redeem Rewards & Access Card Benefits” to enter the Reward Center.
• Select “Manage Points” and then click the “Transfer Points” tab.

Important: You will need the person’s FlexPoints Number or FlexPerks Account Number.

Earn Frequent Flyer Miles

Earn frequent flyer miles on the airline you fly for your award travel flight. You must be a member of the airline’s frequent flyer program.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

U.S. Bank FlexPerks Business Travel Rewards Visa cardmembers may earn additional FlexPoints for purchases at merchants that are classified as: gas and electric vehicle charging stations, office supply stores or airlines (each, a "Category").  You may earn one (1) additional FlexPoint for every $1 in Net Purchases in the one Category in any given monthly billing cycle that has the highest total of Net Purchases charged to your Account (the "Highest Category"). U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify.

U.S. Bank FlexPerks Business Travel Rewards Visa cardmembers may earn one (1) additional FlexPoint for every $1 in Net Purchases during the current month’s billing cycle for any merchant that classifies itself as a Charitable and Social Service Organization. In addition, for any cellular services provider merchant, FlexPerks Travel Rewards cardmembers may earn one (1) additional FlexPoint for every $1 in Net Purchases during each monthly billing cycle. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify.

U.S. Bank will credit your FlexPerks Business Travel Rewards Account with one (1) FlexPoint for every $1 in Net Purchases. FlexPoints will be awarded as long as your Account is open and not 5 days or more past due at the close of your billing period. We will not award FlexPoints for Advances, Convenience Checks, Balance Transfers, Interest Charges and Fees, credit insurance charges, or transactions to fund certain prepaid card products. We reserve the right to adjust the number of FlexPoints for Purchases or to stop issuing FlexPoints for Purchases on the Account, upon notice to you. Refer to the FlexPerks Cardmember Agreement for full details.

U.S. Bank FlexPerks Business Travel Rewards cardmembers will earn four (4) additional Points for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the travel center using your U.S. Bank FlexPerks Business Travel Rewards Card. Prepaid car and hotel reservations in the travel center are not classified as a travel category merchant transactions and are not eligible to receive the additional points for that category. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

FlexPoints will expire at the end of the calendar quarter, at 11p.m. Central Time, that is five years from the date on which they were earned. FlexPoints are redeemed or expire on a first-in, first-out basis, so the FlexPoints you earned first are used or expire before FlexPoints you earned later.

Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, or Checking Account (2,500 FlexPoints minimum redemption). Available Travel Rewards, Gift Certificate Rewards, Merchandise Rewards, Magazines, Statement Credits and any other Program Rewards, and the number of FlexPoints needed to obtain each reward, are available to Cardmembers at the Rewards Center online at www.usbank.com (log into online banking) or by phone at 888-229-8864. U.S. Bank and/or third-party vendors may change or terminate participating merchants; withdraw, limit, modify or cancel any rewards; or increase the number of FlexPoints required for any reward at any time without advance notice, even though such changes may affect the accrual or value of points or rewards. For redemptions, information about the current Program Rewards Schedule, inquiries and updates, visit the Rewards Center online at usbank.com or call 888-229-8864 between 8:00 a.m. and 10:00 p.m. (CT) Monday through Friday, and between 8:00 a.m. and 5:30 p.m. (CT) Saturday through Sunday.

Please see the link to the Guide to Benefits PDF document at the top of this section for full details. Benefit descriptions are intended to provide general information about the coverage made available to you by U.S. Bank. Benefits vary by credit card product.

FlexPerks Business Travel Rewards Visa Cardmembers may receive up to a $25 airline allowance with each redeemed round-trip airline award travel ticket. Effective July 1, 2019, you must redeem a minimum of 10,000 FlexPoints per round-trip airline award ticket in order to be eligible for the $25 airline allowance. Cardmembers who redeem FlexPoints for award travel may be credited up to $25 on a future statement for Qualified Purchases made using their FlexPerks Business Travel Rewards Visa Card with the airline carrier providing award travel flight. “Qualified Purchases” are any purchases made with your FlexPerks Business Travel Rewards Visa Card that post to your account under the airline carrier providing your award travel flight between the dates of your award travel flight. U.S. Bank cannot control which credit card issuers an airline chooses to accept. If you purchase airfare from an airline and use Real-Time Mobile Rewards to pay for the airfare, you will not be eligible to receive the $25 Airline Allowance; the $25 Airline Allowance is only available for travel rewards FlexPoints redemption made through the Rewards Center online or by phone. Cardmembers must call Cardmember Services using the phone number printed on the back of their card to request a statement credit within 90 days of a Qualified Purchase. Once the request is approved by Cardmember Services, the Cardmember will receive a statement credit within 4 to 6 weeks for the amount of the qualified purchase, up to $25. A statement credit will reduce the Account balance, but does not count as a payment and thus does not reduce the minimum payment due. U.S. Bank does not have the ability to control how a merchant chooses to classify their business and therefore reserves the right to determine which purchases qualify for allowance. You may redeem allowance for Qualified Purchases only if the outstanding balance of your account is below its revolve limit and if your account is open and in good standing under the terms of your Cardmember Agreement. Once you or we close your account for any reason, your allowance may be forfeited.

How to use Bank of America travel rewards points

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Key takeaways

• The Bank of America travel rewards program can be lucrative and flexible, but the specifics of how you'll earn points in this program depend on which credit card you sign up for.
• Bank of America travel rewards points can generally be redeemed for eligible travel purchases, cash back and gift cards.
• Bank of America Preferred Rewards members can earn an additional 25 percent to 75 percent more in rewards for each dollar spent.

Many credit card issuers boast a lineup of rewards credit cards that let you earn cash back, points or miles on travel, and Bank of America is no exception. Although not as popular as travel credit cards from Chase or American Express, Bank of America travel cards can be rather lucrative and flexible — but the specifics will depend on which credit card you sign up for.

If you’re ready to give the Bank of America travel rewards program a chance, you should find out which Bank of America credit cards let you earn rewards for travel, which travel rewards benefits are offered and how to use Bank of America travel rewards points to your advantage.

Which Bank of America cards earn travel rewards?

The main two Bank of America travel rewards cards are the Bank of America® Travel Rewards credit card and the Bank of America® Premium Rewards® credit card . However, Bank of America also offers the Bank of America® Premium Rewards® Elite Credit Card * and the Bank of America® Travel Rewards credit card for Students .

Bank of America Travel Rewards credit card: Best for no annual fee

Card details.

• Welcome bonus : 25,000 online bonus points (a $250 statement credit value toward travel purchases) if you make $1,000 in purchases within 90 days of opening the account
• Rewards rate : Unlimited 1.5X points per dollar on all purchases
• Annual fee : $0
• Notable perks : No foreign transaction fees, flexible travel rewards

Bank of America Premium Rewards credit card: Best for occasional travelers

• Welcome bonus : 60,000 online bonus points (a value of $600) after spending $4,000 on purchases in the first 90 days
• Rewards rate : Unlimited 2X points per dollar on travel and dining; 1.5X points per dollar on all other purchases
• Annual fee : $95
• Notable perks : Up to $100 in statement credits per year for incidental airline expenses to cover eligible costs; up to a $100 statement credit toward Global Entry or TSA PreCheck application fees every four years; no foreign transaction fees

Bank of America Premium Rewards Elite Credit Card: Best for frequent travelers

• Welcome bonus : 75,000 online bonus points (a $750 value) after you make at least $5,000 in purchases in the first 90 days of account opening
• Rewards rate :Unlimited 2X points on dining and travel purchases; unlimited 1.5X points on all other purchases
• Annual fee : $550
• Notable perks : Up to $300 annually in airline incidental statement credits for qualifying purchases (like seat upgrades and baggage fees); up to $150 annually for eligible lifestyle conveniences (including video streaming services, food delivery, fitness subscriptions and rideshare services); up to a $100 statement credit toward Global Entry or TSA PreCheck application fees every four years; complimentary Priority Pass membership; 20 percent off on domestic or international airfare for any class when paid with points

Bank of America Travel Rewards Credit Card for Students: Best for students

• Welcome bonus : 25,000 online bonus points after spending $1,000 in purchases within the first 90 days of account opening
• Rewards rate : 1.5X points on all purchases
• Notable perks : No foreign transactions fees, flexible travel rewards

Which Bank of America travel cards do not earn travel rewards points?

Bank of America also offers a surprising number of co-branded travel credit cards that are geared to loyalists with specific brands. However, these cards do not earn Bank of America travel rewards points. These include:

• Alaska Airlines Visa® credit card
• Free Spirit® Travel More World Elite Mastercard®*
• Allways Rewards Visa® Credit Card*
• Royal Caribbean Visa Signature® card*
• Norwegian Cruise Line® World Mastercard®*
• Celebrity Cruises Visa Signature® card*
• Virgin Atlantic World Elite Mastercard® *
• Air France KLM World Elite Mastercard®*

When it comes to redeeming your Bank of America travel rewards, your options may vary depending on the card you have.

Bank of America Travel Rewards credit card and Bank of America Travel Rewards Credit Card for Students

With the Bank of America Travel Rewards credit card and the Bank of America Travel Rewards Credit Card for Students, you can use your points for:

• Cash back in the form of a check or direct deposit to an eligible Bank of America or Merrill account
• A statement credit to cover eligible travel-related purchases

Unlike with other travel rewards programs, you can use your eligible card to book travel with any eligible providers, and Bank of America’s list of qualifying travel purchases is extensive. In addition to airlines, hotels, car rentals and eligible transit, travel-related purchases also include purchases made with eligible cruise lines, parking garages, travel agencies, tourist attractions, art galleries, amusement parks and more.

From there, you can redeem your points for a travel credit statement through your Bank of America account. However, note that you’ll need at least $25 worth of points to redeem for a travel credit.

Bank of America Premium Rewards credit card

The Bank of America Premium Rewards credit card lets you cash in your rewards for:

• Travel bookings through the Bank of America Travel Center
• Cash back in the form of a statement credit or a direct deposit to an eligible Bank of America or Merrill account

Bank of America Premium Rewards Elite Credit Card

With the Bank of America Premium Rewards Elite Credit Card, you can redeem your points for:

• Travel, experiences, event tickets and more through Bank of America’s Concierge service

How to maximize Bank of America travel rewards points

To get the most of your travel rewards points with Bank of America, you should try to be as strategic as you can. When you go to redeem points, consider the ways you may be able to earn more points on your spending and any ways you can maximize your rewards .

Join the Bank of America Preferred Rewards program

One major way to earn more Bank of America travel rewards involves signing up for the Bank of America Preferred Rewards® program. Doing so can net you an additional 25 percent to 75 percent more in rewards for each dollar you spend. However, you do need to meet certain qualifications to enroll in this program, such as having:

• An active, eligible Bank of America checking account
• A three-month average combined balance of $20,000 or more in eligible Bank of America accounts and/or Merrill investment accounts

Also, keep in mind that the Bank of America Preferred Rewards program offers additional perks like savings boosters and loan discounts for members with cash on deposit. The following chart shows how much more you could earn in rewards as a member, as well as how much you need to keep in eligible accounts to qualify for each tier.

While the minimum balance requirements are high, the Bank of America Preferred Rewards program can help you earn considerably more points on your spending if you qualify. For example, Bank of America Premium Rewards credit card members in the Platinum Honors tier have the potential to earn up to 3.5X points for every dollar spent on travel and dining purchases and up to 2.62X points on other purchases.

Compare pricing in the travel portal

The Bank of America Travel Center lets you make travel bookings with over 200,000 hotels and resorts and more than 200 airlines, among other options. Since some Bank of America travel rewards credit cards let you redeem your points for either travel-related statement credits or travel booked through the Bank of America Travel Center, you should compare the prices offered in the travel portal with other travel sites. By comparing prices, you can make sure you get the best deal.

Decide whether a card with an annual fee is right for you

Finally, make sure to think about your goals before you sign up for a travel credit card from this issuer. It’s often tempting to just choose a card with no annual fee — and that might be the right move for you. However, a card with an annual fee typically comes with more benefits and perks. For example, when you pay the $95 annual fee for the Bank of America Premium Rewards card, you’ll get higher rewards rates on travel and dining spending, up to a $100 annual credit for incidental airline expenses to cover eligible costs and up to a $100 application fee credit toward Global Entry or TSA PreCheck membership every four years. All of this could easily make the annual fee worthwhile for some people.

The bottom line

Bank of America travel rewards can work differently depending on the card you sign up for, so make sure to compare the best rewards cards available before you decide on a card. In the meantime, spend some time comparing cards from this issuer to top travel rewards credit cards from other major issuers. You may find that Bank of America has what you’re looking for in a travel rewards card, but you’ll never know for sure unless you check.

*Information about the Free Spirit® Travel More World Elite Mastercard®, Allways Rewards Visa® Credit Card, Royal Caribbean Visa Signature® card, Norwegian Cruise Line® World Mastercard®, Celebrity Cruises Visa Signature® card, Virgin Atlantic World Elite Mastercard® and Air France KLM World Elite Mastercard® has been collected independently by Bankrate. Card details have not been reviewed or approved by the card issuer.

Information regarding Bank of America credit cards was last updated on January 5, 2024.

Related Articles

Bank of America travel rewards guide

Bank of America Premium Rewards card benefits guide

Is the Bank of America Premium Rewards card the travel card you should get?

Why I love the Bank of America Travel Rewards card

USAA Eagle Navigator™ Visa Signature See note ® Credit Card

Earn more points on travel and everyday purchases.

SPECIAL OFFER

• Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening. See note 1

Penalty APRs

Many banks make you pay more in interest charges when you've had a late payment or if your account goes over the credit limit. These charges can be more than double the interest you pay — and they can be charged indefinitely.

Our credit cards do not have penalty APRs.

Redeem your rewards.

Your total points increase with every Qualifying Purchase. Redeem them your way, on your schedule.

Step 1:  Earn

Enjoy rewards points that never expire, with extra earnings in select spending categories.

Step 2:  Track

Keep tabs on your rewards. Points for posted transactions are usually added within 48 hours. Check your total on usaa.com or the mobile app.

Step 3:  Redeem

Choose from a range of exciting redemption options. Redeem some or all of your points.

Benefits and Features

Carry a credit card that's easy to use and manage, with peace of mind built in.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

"Visa Signature" refers to a package of benefits and perks offered on certain cards that carry the Visa name. Visa offers three levels of benefits , which vary by card. Signature is the middle level: It offers more than the basic benefits of the Traditional tier but not as much as you get with high-end Visa Infinite cards.

Below is a quick summary of Visa Signature benefits and a guide to using the more valuable ones.

Summary of Visa Signature benefits

Visa Signature benefits include the following:

Extended warranty protection.

Travel and emergency assistance.

Year-end spending summary.

Visa Signature concierge.

Roadside assistance (T).

Auto rental collision damage waiver (T).

Zero fraud liability (T).

Lost/stolen card reporting, emergency replacement and emergency cash (T).

Cardholder inquiry service (T).

Benefits marked with (T) are part of Visa's Traditional tier. The Signature package includes all Traditional benefits plus Signature-level perks.

VISA BENEFITS VS. ISSUER BENEFITS

Before we go into detail on these benefits, it's important to understand a few basic points:

Most of the features on a typical Visa credit card aren't dictated by Visa at all, but rather by the bank that issued the card (such as Chase, Capital One, Wells Fargo or your local community bank). Rewards rates, bonuses, interest rates and fees are all determined by the issuer.

Visa makes these benefits available on cards that carry the Visa Signature label, but it is up to the issuing bank to decide whether a particular card actually includes a particular benefit.

Many issuers offer their own benefits on top of (or in place of) those offered by Visa. These may be substantially more generous than Visa Signature benefits.

Extended warranty protection

How it works.

Visa's extended warranty protection can add more time to the manufacturer's warranty on items purchase with your Visa Signature card:

For warranties of less than a year, Visa doubles the warranty period.

For warranties of one to three years, Visa adds a year to the warranty period.

For warranties longer than three years, there is no extended warranty benefit.

The maximum coverage is $10,000 per claim and $50,000 per cardholder. Vehicles, real estate, computer software and certain other items are excluded from this coverage. You’ll have to register your purchase with Visa or save the receipt and the original manufacturer’s warranty if you want to take advantage of this protection. File a claim by calling your benefits administrator at 800-397-9010 in the U.S., or 303-967-1093 outside the U.S.

THINGS TO CONSIDER

Visa will only extend the manufacturer’s warranty, not improve it. If the manufacturer offers less-than-impressive terms — for instance, if it just covers defects rather than normal wear and tear — don’t expect Visa’s coverage to offer anything more. You’ll also have to show proof that you tried to get the item repaired through the manufacturer first, and getting the manufacturer to cover repairs can be a tedious process.

In some cases, getting a replacement item may be less of a hassle than waiting for a repair. Another alternative is buying an extended warranty or protection plan from the store where you bought the item, which might offer more coverage than the manufacturer's warranty. But, hey — the Visa Signature coverage is free for cardholders, so if all your manufacturer’s repairs are fully covered and shipping is reimbursed right away, it’s worth a try.

Travel and emergency assistance

Travelers needing information or assistance can call a dedicated multilingual hotline 24/7, and benefits specialists will connect them with services. In the U.S., the number is 800-992-6029; see this list for toll-free numbers in other countries. Available services include:

Pre-travel information about such things as immunizations and other health precautions, weather reports, currency exchange rates and visas.

Medical services, including referrals to health-care providers, emergency medical transportation and prescription assistance.

Legal and logistical help, including referrals to lawyers or bail services, document delivery, translation services, emergency replacements for lost tickets and assistance in finding lost luggage.

You'll have to pay for services you request. The phone call is free; whatever help they line up for you will be your responsibility. For example, if you need translation help, the hotline might put you in touch with a local interpreter, help you find a lawyer, or arrange for an ambulance ride, but you’ll have to pay the interpreter, lawyer or ambulance company.

Auto rental collision damage waiver

If you rent a car with your Visa Signature card, you can get additional coverage against physical damage or theft of the rental. This auto rental collision damage waiver, or CDW, applies to expenses that aren’t covered by your own insurance policy. To use the benefit:

Rent the car using your card. Coverage applies to rentals of up to 15 days in your home country or up to 31 days internationally.

Decline the CDW offered by the rental car agency.

Report damage or theft. If the car is damaged or stolen, you have 45 days to report it to Visa Card Benefit Services.

File a claim. You have 90 days to file a claim with supporting documentation. (If you don't have all the necessary documents by then, you have 365 days to provide them.) Required documents are listed on the claim form and include a copy of the rental agreement; a copy of your credit card billing statement showing the rental; information about your personal auto insurance; information about the necessary repairs; and a police or incident report about the accident or theft. Start your claim at eclaimsline.com .

This coverage usually comes on top of your personal insurance. If your rental is damaged or stolen, you'll first file a claim with your personal auto insurer. Visa's protection extends to charges not covered by that, including your deductible. This is known as "secondary coverage."

If you don't have a personal auto insurance policy, Visa's coverage becomes "primary," meaning you'll file the original claim through Visa. Also, some cards offer primary rental coverage in all cases. For example, the Chase Sapphire Preferred® Card is a Visa Signature, but its rental car coverage is primary. With primary insurance, you don't have to involve your own issuer at all if a rented vehicle is damaged or stolen.

The CDW covers only the rented vehicle. There's no liability protection for damage to other vehicles or for medical costs from an accident. It also doesn't cover your luggage or other belongings inside the rented vehicle. If you back into a pole, the Visa CDW is a nice perk; if you cause an accident that leaves other cars smashed up and people injured, you'll probably be going through your own insurance anyway.

It doesn't cover all vehicles. Passenger cars (economy through luxury class) are covered. SUVs are covered only when driven on the road. Not covered: vans that seat more than nine people, trucks, cargo vans and vehicles classified as "expensive."

It doesn't apply in certain countries. This coverage doesn't apply in Ireland, Israel or Jamaica. Also, some countries (including Australia, Costa Rica, Italy and New Zealand) require that people renting cars purchase a certain amount of insurance; Visa's coverage comes on top of that.

» MORE: Rental car insurance: How your credit card covers you

Roadside dispatch

If you have car trouble while on the road, you can call 800-847-2869 at any time, day or night, and Visa will hook you up with a tow truck, locksmith or other service provider. There's no limit to how often you can use the service. You'll pay a flat fee of $69.95 for the service call. Covered services include:

Jump start.

Changing a tire.

Lockout service. This covers the cost of getting you into your car when you're locked out. New keys cost extra.

Towing up to 5 miles. Beyond that, you can be charged extra.

Winching if your car is at least 100 feet from the road. Farther than that, it can be extra.

Fuel delivery of up to 5 gallons. You'll have to pay for the gas on top of the service fee.

On-the-spot repairs or diagnostic services may cost extra. Any additional services once your car is towed somewhere may also cost extra. If you’re a subscriber to a service like AAA already, or if your insurance has a roadside assistance program built in, those could be more affordable options.

Additional Visa Signature benefits

Other services and benefits available to Visa Signature cardholders:

Year-end spending summary. This detailed annual report breaks down where you used your card, which can help you with budgeting and tax prep.

Concierge service: If you need help choosing a gift for someone or arranging travel plans, you can call 24/7 , and a concierge will help you make arrangements. If you buy anything, though, you’ll have to foot the bill.

Zero fraud liability.

Cardholder inquiry service. This allows you to call Visa and get details about your card, including both issuer- and network-provided features.

Lost/stolen card reporting, emergency replacement and emergency cash. If your card is lost or stolen, Visa, will work with your issuer to get you a replacement quickly. It can also arrange an emergency cash advance.

Shipt delivery services. Through Dec. 31, 2024, get a free Shipt membership for three months and a 50% discount for nine months. This benefit also offers free deliveries on orders of $35 or more. Terms apply. Shipt provides delivery services from over 130 retailers in over 5,000 cities in the U.S.

Skillshare membership access. Through Sept. 19, 2023, get a free membership for three months to Skillshare’s online learning community of more than 30,000 classes when you put a Visa Signature credit card on file. You’ll also get a 20% discount on annual membership renewals purchased with your eligible card. Terms apply.

Sofar Sounds presales. Through Sept. 13, 2023, get an exclusive invitation to the seven-day presale of Sofar events and earn a free ticket when you purchase one or more tickets during that timeframe. Terms apply. Sofar Sounds offers live music concerts in over 400 cities worldwide.

Benefits you 'may' have

As mentioned, some credit card issuers offer perks beyond those provided by Visa. The Visa website highlights several of these extra benefits that "your Visa Signature card may come with," but keep in mind that they are not part of the Visa Signature package. They're dictated by the issuer. They include:

Lost luggage or baggage delay reimbursement.

Reimbursement for Global Entry application fee.

Reimbursement for travel delays, cancellations or interruptions.

Travel accident insurance.

Priority Pass airport lounge access.

Price protection, purchase protection and return protection.

Emergency medical service and medical evacuation.

Some of these benefits are included in the Visa Infinite package.

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