Be ready to apply for the Bank of America Card, get unlimited miles (points) for every purchase, and maximize travel rewards.
This step‑by‑step guide walks you through applying for a travel rewards card, checking card application status, card activation, replacement card issues, and more.
Choosing the Right Bank of America Travel Rewards Card
Bank of America offers travel‑focused cards designed to earn unlimited travel points.
While there’s no card listed as “Unlimited Miles,” the Travel Rewards card’s unlimited earning rate effectively provides unlimited miles/points.
They have a variable APR of approximately 18.24% – 28.24%.
Bank of America® Travel Rewards Credit Card
Earn unlimited 1.5 points per $1 on every purchase, with no annual fee.
Points never expire as long as the account remains open. Redeemable for travel statement credits, cash, or gift cards.
Bank of America® Premium Rewards® Credit Card
Offers higher rewards rates on travel and dining (up to 3.5X for Preferred Rewards members), plus perks like $100 annual airline fee credit.
Points redeemable for travel, cash, or gift cards.
How to Apply: Bank of America Card Application
Visit the Bank of America site and select the desired travel rewards card. Complete the application form with personal, income, and contact information.
Submit and await a decision. Approval can often be instantaneous, but normally within 10–12 business days.
You’ll receive a follow-up by phone or mail if further documentation is required.
Once you apply, track your application status. Log in to your Bank of America account within 90 days to view your application status.
Checking Bank of America Card Status
Wondering Bank of America card status or the Bank of America card app status?
Online Banking: Log in, go to the credit card section, and look for pending or approved applications.
Phone: Call customer service; depending on your card or location, you’ll reach a credit card status service. One commonly used number is (866) 422‑8089.
Activating Your Card: Bank of America Card Activation
Once approved, your new card must be activated:
By phone: Call the activation number, 1‑800‑276‑9939, exclusive for credit card activation.
Online: Log in via Online Banking or mobile app and follow prompts to “Activate your credit card.”
After Activation: Earning Unlimited Miles
With the Travel Rewards card, you’ll earn 1.5 points per $1 on all purchases, with no category restrictions.
If you qualify for the Preferred Rewards program (e.g., accounts with $20K+ balances), you can boost earnings by 25–75%, giving up to 2.62X–2.625X total in some tiers.
There’s no cap on miles – you earn unlimited points automatically on every swipe.
Redeeming Travel Rewards
You can redeem points in the following ways:
- Travel statement credit: Apply points to eligible travel or dining transactions.
- Cash back: Direct deposit or statement credit options once you have at least 2,500 points ($25 value for travel or $15 cash).
- Gift cards: Available starting at 3,125 points.
- How to redeem: In Online Banking or the Mobile App, choose the credit card, tap Rewards → Redeem for travel credit/cash/gift card, and follow prompts. Auto‑redemption can also be set to convert points monthly once you’ve reached the threshold.
Redemption rate is typically 1 cent per point.
For Premium Rewards Elite holders, you get a 20% bonus when booking airfare via the Bank of America Travel Center, effectively increasing value.
Bank of America Card Replacement
Need a Bank of America card replacement?
In the app or online: Go to Manage Credit Card → Report card lost/stolen → Request replacement.
By phone: The U.S. line for lost or stolen cards is 1‑800‑732‑9194 (or international 302‑738‑5719). Replacement is issued after reporting.
Replacement cards typically arrive in business days; confirm shipping timeline in your account or on the phone.
Comparison With the Competition: How Bank of America Card Stacks Up
When comparing travel rewards cards, it’s essential to assess annual fees, point-earning potential, redemption flexibility, and added perks.
| Feature | Bank of America® Travel Rewards | Chase Sapphire Preferred® | Capital One Venture Rewards | Citi Premier® |
|---|---|---|---|---|
| Annual Fee | $0 | $95 | $95 | $95 |
| Base Rewards Rate | 1.5 points per $1 (unlimited) | 2x points on travel & dining, 1x on others | 2x miles on all purchases | 3x on travel, gas, dining, 1x on others |
| Sign-Up Bonus | 25,000 points (worth $250 in travel) | 60,000 points after $4,000 in 3 months | 75,000 miles after $4,000 in 3 months | 60,000 points after $4,000 in 3 months |
| Redemption Options | Travel statement credits, cash, gift cards | Travel via Chase portal, transfer to partners | Travel, transfer to 15+ partners, gift cards | Travel, gift cards, transfers |
| Preferred Rewards Boost | Up to 75% more points for BoA customers with $20K+ | None | None | None |
| Foreign Transaction Fees | None | None | None | None |
| Travel Protections | Limited (basic coverage) | Strong: trip delay, cancellation, primary car rental insurance | Moderate: travel accident insurance, car rental coverage | Good: trip cancellation, car rental coverage |
Contact Information & Address
For customer support or credit card inquiries:
- Activate/handle replacement / general card management: 1‑800‑276‑9939 (U.S.) or number on back of card.
- Credit card application status line: 1‑866‑422‑8089.
- Customer Service general number: Bank of America Credit Cards customer service, available Mon‑Fri 8 a.m.–9 p.m. ET, Sat 9 a.m.–6 p.m. ET, Sun 8 a.m.–5 p.m. ET.
Mailing address for correspondence (credit‑card or customer service inquiries):
Bank of America
PO Box 25118
Tampa, FL 33622‑5118
(alternative: PO Box 15019, Wilmington, DE 19850‑5019 for applications)
If visiting a financial center, use the Bank of America ATM/center locator online or in the mobile app.
Conclusion
Applying for the Bank of America Travel Rewards card is a smart way to earn unlimited points (or “miles”) on everyday purchases.
Apply online and track your card application status, card status, replacement, and activation when searching or calling.
Disclaimer: This article is intended for informational purposes only and does not constitute financial advice. Terms, benefits, and contact information may change; you should verify current details directly with Bank of America. Contact customer service for assistance with your individual account or application.
