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Bank of America Travel Rewards cashback rate, cap and annual fee

Bank of America Travel Rewards pays 3% at booked through the BofA Travel Center and 1.5% on everything else.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

Bank of America · United States · catalogue v103

Read from Bank of America's own published terms on 15 Oct 2026.

NoneAnnual fee
3%Best rate

What it pays, by category

SpendingRateMonthly cap
booked through the BofA Travel Centertravel3.00%—3 points per $1 (1.5 base plus 1.5 bonus) on purchases made through Bank of America's Travel Center.
everything else1.50%—1.5 points per $1 of net purchases, unlimited.
Corrected: the old entry carried the Premium Rewards card's terms (2 points on travel and dining, 1.5 elsewhere, $95), read from a disclosure for that card. Bank of America's own Travel Rewards disclosure says 1.5 points per $1 on everything, 3 through its Travel Center, no annual fee and no foreign transaction fee. A point is worth $0.01 as a travel credit against travel or dining bought in the last 12 months and $0.006 as cash; the travel credit is what the card is for and is used here. The product page itself returned "This card is unavailable" to a plain read; the application disclosure is current (prime rate as of 30 Sep 2026). Source: bankofamerica.com Travel Rewards application disclosure (cId 4079333), read 15 Oct 2026.

Questions people ask

What cashback does the Bank of America Travel Rewards pay?

3% at booked through the BofA Travel Center and 1.5% on everything else.

Is there a cap on the Bank of America Travel Rewards?

No monthly cap is published on the rates shown here.

What is the annual fee on the Bank of America Travel Rewards?

No annual fee.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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Other United States cards read off the issuer