BankAmericard Travel Rewards Credit Card Application
The swarm of available credit card offers can have you swimming in a sea of indecisiveness if you’re not careful.
Knowing which one is right for you can be confusing because cards can serve a variety of purposes.
The BankAmericard Travel Rewards Credit Card makes the selection process simple.
It’s a multi-purpose card that works hard for you every second that it’s in your possession. If you’re going to apply for a credit card, you may as well choose one from a big player like Bank of America.
Consider taking five minutes of your time to find out if you can gain approval. It will be worth your time and effort.
Who Qualifies for the BankAmericard?
You do have to meet some qualifications to be eligible for the BankAmericard, but they are not that demanding. The first qualifications that you need to meet are the age and residential qualifications. You must be 18 years of age and be an American citizen. Next, you have to meet the credit qualification.
The card issuer wants its cardholders to have good or excellent credit.
According to the FICO table and credit bureaus, a good credit score is one that is higher than 690 points. You may want to even try to boost your score past 700 before you try to apply for this card. This will increase your chances of gaining acceptance and not applying for naught.
Who Can Benefit From the BankAmericard?
A vast assortment of people can benefit from this particular card, but it’s mostly helpful to people who love to travel. The card offers points as rewards, and those points can convert into many discounted traveling expeditions.
Consumers who have scattered or disorganized debt can use the card for balance transfers, as well. that means you can use it to restore balance to your profile. Balance transfers can help you maintain order and easily pay your debt down every month. You can transfer your debt to this card the same time you apply for it.
What Are the Benefits of the BankAmericard?
The benefits of the BankAmericard cards are many, but the top five are discounted traveling options, improved credit score, emergency funds, purchasing freedom and enhanced consumer reputation and privileges.
Cardholders can easily access amenities such as car rentals, hotel rooms, cruise tickets, members and more by using their credit cards. As a cardholder, you won’t have to worry about being denied something that you need like a rental car because credit card holders have special privileges there.
What Are the Features of the BankAmericard?
The BankAmericard Travel Rewards Credit Card is a feature-packed option that will increase your confidence about traveling and about using your card anywhere you desire.
First, you have access to bonus points when you sign up for the card.
You’re also eligible for additional bonuses if you are a Bank of America customer.
No Annual Fee or Foreign Transaction Fees
Secondly, Bank of America says no to certain fees that plague other cardholders. As a cardholder of this gem of a card, you will have no annual fees, no penalty fees and no foreign transaction fees.
Yes, you heard that one again about “no foreign transaction fees.” This is a personal favorite of mine as on some purchases I make from foreign countries will not get fees. If you have ever made a purchase for business or pleasure and the vendor is from Canada for example, with other cards you will get a foreign transaction fee show up.
The beauty of this travel rewards card through Bank of America is that there are no foreign transaction fees associated with it. This gives you peace of mind when making purchases outside the U.S..
Your card will come with advanced chip technology, which is a technology that can keep you safe from credit card fraud and identity theft.
Even if something does happen to you, you still have another layer of protection in the $0 fraud liability features.
Other features that this card offers you are features such as rental insurance and roadside assistance. You also get travel assistance, concierge service, flight accident insurance and more. Additionally, you will have access to five-star customer service from some of the greatest banking experts in the industry.
How Does the BankAmericard Work?
This card is primarily a points reward or travel rewards card. You start earning points the moment your application gains you approval and you have the card in your hands. To collect the bonuses points, you have spent at least $1,000 within the first three months that you own the card.
All of your purchases win points for you, as well. You obtain 1.5 points for every dollar you spend no matter what you spend it on. When you accumulate enough points, you can then use those points for discounts on car rentals, hotel accommodations, airplane tickets and the like.
The best part about the points is that they will never expire on you. You can redeem them whenever you’re ready to do that.
What Do Users Say About the BankAmericard?
The consumer reviews for the BankAmericard are mostly positive. The card has a rating of five stars on some card comparisons sites, 3.8 on Nerdwallet and 4.3 on other sites. The people who praised the card mostly praised it because of the nonexistent annual fees.
Consumers appreciate that because they know that many premium cards come with annual fees attached to them. Some consumers appreciate the flat and easy-to-understand reward rates that it has to offer. There’s no confusion because no categories are involved. You get 1.5 points for every single dollar that you spend.
Consumers had positive things to say for the most part, and many of them were long-term customers who appreciated the stellar customer service and consideration that they got.
How Do You Apply for the BankAmericard?
Apply if you are ready for a card with no foreign transaction fees. The BankAmericard application process is as easy as pie. All you need to do is visit the website and then complete all sections. The first section will ask for personal and address information.
The second section will cover your monetary situation. The final section will ask you about authorized users and such. Read the terms and conditions thoroughly and submit the app when you are sure that everything is completed correctly. You should have an answer within 60 seconds.
If the bank does not approve your BankAmericard travel rewards credit card application, then you will receive an explanation within 30 days. If the bank does approve your application, you will receive your brand new card within seven to 10 business days.
To apply online just visit www.bankofamerica.com/credit-cards/products/bankamericard-travel-rewards-credit-card/