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BankAmericard Travel Rewards® credit card
gives you the flexibility to use points to pay for
more than just flights. Use them for any hotel or
any car rental with no restrictions.

No annual fee
Earn 1.5 points for every dollar spent on purchases
No limit to the number of points you can earn and points
don’t expire
No Foreign Transaction Fees
Receive 10,000 bonus points after you make at least $500 in purchases in the first 90 days
0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account.
3% on Air Travel up to $6000
plus it has chip so you can uses a 4**** pin for purchases outside the US.


BankAmericard Travel Rewards® Program Information. Earn 1.5 base points per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) charged to the card each billing cycle. You will earn 3 points per dollar (consisting of 1.5 base points and 1.5 bonus points) for the first $6,000 in airline purchases (up to 9,000 bonus points) made at the Bank of America Travel Center (“Travel Center”) each calendar year. All other purchases made at the Travel Center, excluding insurance purchases, will receive 3 points per dollar with no limit on bonus points. If the primary applicant for this card has a checking, savings or retirement account with Bank of America, N.A., a Cash Management Account®, Merrill Edge® or any other account with Merrill Lynch, Pierce, Fenner & Smith Incorporated or U.S. Trust, the card account will receive an annual bonus points award of 10% of the amount of net purchases (or 1 bonus point for every $10) made with the card during the year. The qualifying account must be open at the time of review, which will occur on or around December 31st of each year and the bonus will appear on your February or March monthly billing statements.

Fractions of points greater than .50 are rounded up and less than or equal to .50 are rounded down. Balance Transfers, Cash Advances, including purchases of money orders or other cash equivalents, purchases made by or for a business or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions and certain other charges do not earn points. Earn unlimited points. Points do not expire. Points cannot be redeemed if your account is not in good standing and will be forfeited upon account closure.

Rewards begin at 2,500 points for travel credits, cash and charitable contributions. Points redeemed for a travel credit will be applied as a statement credit to your account to offset qualifying travel purchases. A travel credit will be available to redeem for purchases from the Travel Center or for qualifying travel purchases made as defined by the following merchant category codes (“MCC”): (a) Airlines, Air Carriers (MCC 3000-3299, 4511); (b) Lodging-Hotels, Motels, Resorts (MCC 3501-3999, 7011); (c) Car Rental Agencies (MCC 3351-3441, 7512, 4121); (d) Cruise Lines (MCC 4411); Travel Agencies and Tour Operators (MCC 4722, 4416, 4417); (e) Passenger Railways (MCC 4112); (f) Transportation-Suburban and Local Commuter Passenger, including Ferries (MCC 4111); (g) Bus Lines (MCC 4131, 4722); (h) Transportation Services-not elsewhere classified (MCC 4789); (i) Real Estate Agents and Managers-Rentals (MCC 6513); (j) Timeshares (MCC 7012); (k) Campgrounds and Trailer Parks (MCC 7033); (l) Motor Home and Recreational Vehicle Rental (MCC 7519); (m) Tourist Attractions and Exhibits (MCC 7991, 5971); (n) Amusement Parks, Carnivals, Circuses, Fortune Tellers (MCC 7996); (o) Aquariums, Dolphinariums, Zoos, and Seaquariums (MCC 7998); (p) Boat Leases and Boat Rentals (MCC 4457); or (q) Recreation Services-not elsewhere classified (MCC 7999). Eligible purchases will be available for redemption for a travel credit for a period of 6 months online and 12 months by phone. Receipt of a travel credit does not affect your responsibility to pay your minimum monthly payment. Cash rewards are available in the form of a check, an electronic deposit to a checking or savings account of your choice, a contribution to an eligible Merrill Lynch Cash Management Account®, or a payment to an eligible mortgage loan. Cash reward checks expire 90 days after date of issue.


http://learn.bankofamerica.com/products/managing-credit/bankamer...

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It looks like the only advantages to this card over the FIA Fidelity Investment Rewards Visa are a) the $100 signup bonus and b) 3% Cash Back for purchases made at the Bank of America Travel Center (with bonus points for airfare capped at $3K in spending).

Not a bad no annual fee travel rewards card if the Bank of America Travel Center has competitive pricing.

You can also transfer your points to FIA AMEX to cash out. 100points=$1.
Also, the BofA Platinum Privileges Travel Rewards Card gives you a 2.1% back. But has an annual fee (waived if you have $50K in $'s or loans).

The Travel Rewar5ds card, if still available, can be qualified for by $50,00 in Merrill Edge brokerage accounts plus a BOA bank account. Since they include 529 plans and IRA's in the total, and have bonuses for opening each account, and give 30 free trades per month, this is a very attractive package.



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