Financial institution of America Journey Rewards Overview for Enterprise Vacationers

What are the advantages of a Financial institution of America journey rewards bank card, and is it the correct bank card for you?

Once I studied overseas in London for a semester in faculty, I opened an account with Financial institution of America and, naturally, acquired suckered into acquiring their journey rewards bank card through the course of. Why did finding out in London immediate me to get a BOA account? As a result of the financial institution is part of the World ATM Alliance, which means you’ll be able to withdraw money from, say, a Barclays in London with diminished charges. 5 years later, the checking account and debit card have since been closed (sorry, BOA, it was nothing private!), however the bank card has confirmed to be a worthwhile companion. This assessment will enable you to resolve if it’s best for you, too.

Advantages at a Look

To be up entrance, this card is finest suited to these enterprise or leisure vacationers who take rare journeys. For those who journey usually and are loyal to a selected airline or resort, extra advantages can be found whenever you be part of that model’s rewards program and sign-up for his or her card. However when you’re simply beginning out along with your travels or journey a couple of occasions a yr, BOA’s rewards bank card will probably be a great match. 

For starters, there’s no annual charge. This, in flip, invitations the query: at what level do you justify getting a card with an annual charge? The reply is exclusive to your private {and professional} journey habits. For an instance of how one can consider the value of a bank card with an annual charge, you’ll be able to seek the advice of this assessment

Secondly, there are no international transaction charges. For those who despise the ridiculous chore of paying to pay for one thing simply because it’s all taking place abroad (so, most of us), you’ll be proud of a card like this. Lastly, the plain profit to a loyalty bank card is being able to earn factors, which we’ll cowl within the subsequent part. 

Factors 101

With this bank card, you’ll be able to earn 1.5 factors per greenback spent. On choose transactions made by way of the financial institution’s journey heart, you may get double the factors per greenback. 

Redemption can occur in quite a lot of methods, however because the beneath picture demonstrates, your factors go farther whenever you credit score your assertion’s journey bills as a substitute of redeeming factors for a present card or money. The method is straightforward: for instance, you’ll ebook your flight after which redeem the quantity with factors later. All of this may be achieved on-line.  

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When going this route, you’re restricted to utilizing factors on choose travel-related transactions, like lodges and rental automotive bookings, whereas money is, properly, money. However you’ll get probably the most out of your factors with a journey assertion credit score and, as it is a journey bank card, we’re sure you’ll get the possibility to make use of these rewards promptly. 

I’m impatient, and I are likely to partially credit score an expense quite than save for a free reserving of one thing, however you are able to do no matter you need. Fortunately, there’s no higher restrict to your factors nor an expiration date. In different phrases, you need to use this card as a lot or as little as you want it, and the factors you’ve earned will wait till you’re prepared for them.


Through the years, I’ve discovered the BOA journey rewards bank card to be a great match for vacationers with various habits. It’s type of just like the “no frills” model  of journey bank card. It’s possible you’ll not have entry to an airline lounge, nevertheless it offers the pliability to earn factors whenever you’re loyal to whoever has the most affordable airfare quite than a single service. Factors may be earned on something, and people rewards aren’t going wherever. For vacationers with a modest annual journey agenda, and particularly ones abroad, this card will probably be a welcome addition to your pockets.

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Enterprise Journey Life

Enterprise Journey Life is an internet useful resource supporting the street warrior life-style. We give enterprise vacationers the instruments they should keep their wellness and productiveness when touring. The subjects we cowl embody enterprise journey suggestions, journey exercises, wholesome journey hacks, journey merchandise, common journey suggestions, and business traits. Our objective is to make enterprise journey a more healthy expertise – and to make wholesome journey practices extra accessible to all street warriors.

Mellisa Pascale

Mellisa Pascale

Mellisa is a author and traveler. She’s studied in London, backpacked in Europe, and road-tripped round Iceland. Most not too long ago, her travels took her to New Zealand, the place she labored and volunteered whereas taking part within the Working Vacation Visa program.

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