Financial institution of America Journey Rewards Evaluation 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, bought suckered into acquiring their journey rewards bank card in the course of the course of. Why did learning in London immediate me to get a BOA account? As a result of the financial institution is part of the World ATM Alliance, that means you possibly can withdraw money from, say, a Barclays in London with lowered 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 resolve if it’s best for you, too.

Advantages at a Look

To be up entrance, this card is greatest suited to these enterprise or leisure vacationers who take rare journeys. When you journey typically and are loyal to a particular airline or lodge, extra advantages can be found while you be a part of that model’s rewards program and sign-up for his or her card. However should you’re simply beginning out together with your travels or journey a number of instances a 12 months, BOA’s rewards bank card will likely be a superb match. 

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

Secondly, there are no overseas transaction charges. When you despise the ridiculous chore of paying to pay for one thing simply because it’s all occurring abroad (so, most of us), you’ll be pleased with a card like this. Lastly, the apparent 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 possibly can earn 1.5 factors per greenback spent. On choose transactions made by means of the financial institution’s journey middle, you may get double the factors per greenback. 

Redemption can occur in quite a lot of methods, however because the under photograph demonstrates, your factors go farther while you credit score your assertion’s journey bills as a substitute of redeeming factors for a present card or money. The method is easy: for instance, you’d e-book your flight after which redeem the quantity with factors later. All of this may be performed on-line.  

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When going this route, you’re restricted to utilizing factors on choose travel-related transactions, like motels 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 this can be a journey bank card, we’re sure you’ll get the prospect to make use of these rewards promptly. 

I’m impatient, and I are inclined to partially credit score an expense reasonably 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 should utilize 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.


Over time, I’ve discovered the BOA journey rewards bank card to be a superb match for vacationers with various habits. It’s form of just like the “no frills” model  of journey bank card. You could not have entry to an airline lounge, however it supplies the flexibleness to earn factors while you’re loyal to whoever has the most cost effective airfare reasonably than a single service. Factors will 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 likely be a welcome addition to your pockets.

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Enterprise Journey Life

Enterprise Journey Life is a web based useful resource supporting the highway warrior way of life. We give enterprise vacationers the instruments they should preserve their wellness and productiveness when touring. The matters we cowl embrace enterprise journey suggestions, journey exercises, wholesome journey hacks, journey merchandise, basic journey suggestions, and trade tendencies. Our objective is to make enterprise journey a more healthy expertise – and to make wholesome journey practices extra accessible to all highway 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 collaborating within the Working Vacation Visa program.


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