Bank of AmericaTravel RewardsRegistry illustration · issuer artwork unavailable

Travel RewardsBank of America · N bank, AR · FDIC 3510

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “Bank of America Travel Rewards”

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Purchase APR

17.49%–27.49%

p.2variable

Balance transfer

0% introductory · reported median duration 15 mo

no ongoing rate filed

Cash advance APR

27.74%–29.24%

variable

Annual fee

a year

Foreign fee

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, reported median duration 15 months	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 21.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 25.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 25.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 24.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	17.49%–27.49% variableBank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“del Tasa Preferencial + 10.74% al Tasa Preferencial + 20.74% (APR) del 17.49% al 27.49% (DPR) del 0.047917% al 0.075315%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
APR for balance transfersintroductory rate first	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for cash advances	27.74%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Rate mechanics · Purchase
Daily periodic rate	0.04791700%–0.07531500%Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“del 0.047917% al 0.075315%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Prime rate plus	10.74%–20.74%Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“del Tasa Preferencial + 10.74% al Tasa Preferencial + 20.74%”Bank of America, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 2
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	5% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	4% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
Repeat late fee within six billing cycles	$40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
Monthly Custom Pay Plan Fee	$0, A fixed monthly fee determined and disclosed at the time the Plan is created based on the Plan duration, Purchase amount assigned to the Plan, Purchase APR, and other factors. It will never exceed 1.72% of the Purchase amount assigned to the Plan.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Bank of America Travel Rewards Spanishpage 2 of 14

INFORMACIÓN SOBRE PRECIOS Los precios reales varían entre un titular de tarjeta y otro Tasa de Porcentaje Anual (APR) para Compras Estas tasas APR variarán con el mercado de acuerdo con la Tasa Preferencial (a partir del 03/31/2026) · del Tasa Preferencial + 10.74% al Tasa Preferencial + 20.74% (APR) del 17.49% al 27.49% (DPR) del 0.047917% al 0.075315% Tasa APR para Transferencias de Saldo Estas tasas APR variarán con el mercado de acuerdo con la Tasa Preferencial (a partir del 03/31/2026) · del Tasa Preferencial + 10.74% al Tasa Preferencial + 20.74% (APR) del 17.49% al 27.49% (DPR) del 0.047917% al 0.075315% Tasa APR para Depósito Directo de Adelanto de Dinero en Efectivo y Cheques de Adelanto de Dinero en Efectivo Estas tasas APR variarán con el mercado de acuerdo con la Tasa Preferencial (a partir del 03/31/2026) · del Tasa Preferencial + 13.74% al Tasa Preferencial + 21.74% (APR) del 20.49% al 28.49% (DPR) del 0.056136% al 0.078054% Tasa APR para Adelantos de Dinero en Efectivo del Banco Estas tasas APR variarán con el mercado de acuerdo con la Tasa Preferencial (a partir del 03/31/2026) · del Tasa Preferencial + 21.74% al Tasa Preferencial + 22.49% (APR) del 28.49% al 29.24% (DPR) del 0.078054% al 0.080109% Tasa APR de Penalización y Casos en que Se Aplica · Hasta 29.99% , de acuerdo con su capacidad de crédito. Esta tasa APR variará con el mercado de acuerdo con la Tasa Preferencial. Esta • APR · tasa APR podrá aplicarse a las nuevas transacciones en su cuenta si usted: Efectúa un pago atrasado. ¿Cuánto Tiempo Se Aplicará la Tasa APR de Penalización? : si su tasa aumenta por esta razón, la tasa APR de Penalización se aplicará por tiempo indefinido. Pago de Intereses · Su fecha de vencimiento es de al menos 25 días posteriores al cierre de cada ciclo de facturación. No le cobraremos ningún tipo de intereses sobre las Compras si usted paga la totalidad de su saldo o su Saldo de Ahorro de Intereses a más tardar en la fecha de vencimiento cada mes. Comenzaremos a cobrar intereses sobre Adelantos de Dinero en Efectivo y Transferencias de Saldo en la fecha de la transacción.

1 2 3 4 5 6 7 8 9 10 11 12 13 14Page 2 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“del Tasa Preferencial + 10.74% al Tasa Preferencial + 20.74%”
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“del Tasa Preferencial + 10.74% al Tasa Preferencial + 20.74% (APR) del 17.49% al 27.49% (DPR) del 0.047917% al 0.075315%”
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“del 17.49% al 27.49%”
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“del 0.047917% al 0.075315%”
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Su fecha de vencimiento es de al menos 25 días posteriores al cierre de cada ciclo de facturación. No le cobraremos ningún tipo de intereses sobre las Compras si usted paga la totalidad de su saldo o su Saldo de Ahorro de Intereses a más tardar en la fecha de vencimiento cada mes. Comenzaremos a cobrar intereses sobre Adelantos de Dinero en Efectivo y Transferencias de Saldo en la fecha de la tra…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 2
“Su fecha de vencimiento es de al menos 25 días posteriores al cierre de cada ciclo de facturación. No le cobraremos ningún tipo de intereses sobre las Compras si usted paga la totalidad de su saldo o su Saldo de Ahorro de Intereses a más tardar en la fecha de vencimiento cada mes. Comenzaremos a cobrar intereses sobre Adelantos de Dinero en Efectivo y Transferencias de Saldo en la fecha de la tra…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 6
“A 'Plan-Qualified Purchase' is a Purchase that we make available to be assigned into a Plan. Balance Transfers, Cash Advances, purchases of cash or Cash Equivalents, Foreign Transaction Fees, or any fees owed to us, including annual or membership fees, cannot be assigned to a Plan.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Bank of America, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 6
“A 'Plan-Qualified Purchase' is a Purchase that we make available to be assigned into a Plan. Balance Transfers, Cash Advances, purchases of cash or Cash Equivalents, Foreign Transaction Fees, or any fees owed to us, including annual or membership fees, cannot be assigned to a Plan.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Intro APR max, Intro APR median, Intro APR min, Introductory APR Offered?, Median Length of Introductory APR, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:bank-of-america-national-association:bank-of-america-travel-rewards
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Purchase APR
Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Bank of America
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 3510
Branches: 3,823 in AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA
Sources: Government dataset · 2 documents · 1 page cited

Documents

Bank of America Travel Rewards Spanisheffective date not parsed
Bank of America Travel Rewards Englisheffective date not parsed

Travel RewardsBank of America · N bank, AR · FDIC 3510

Rates and fees