Bank of America® Travel Rewards Credit Card

If you can’t pay off your balance every month, you may be better off choosing a low-interest credit card. Some low interest credit cards come with a 0% introductory rate while others have a low, ongoing rate. However, remember that these cards generally require a good to excellent credit rating for approval.

• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
• 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
• Use your card to book your trip how and where you want %u2013 you%u2019re not limited to specific websites with blackout dates or restrictions
• Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
• Comes with chip technology for enhanced security and protection at chip-enabled terminals
• 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
• Get an additional 10% customer points bonus on every purchase when you have an active Bank of America? checking or savings account
• If you%u2019re a Preferred Rewards client, you can increase that bonus to 25% - 75%

• No annual fee and no foreign transaction fees
• Generous flat rewards rate on all purchases
• Flexibility to book travel how you want
• Rewards accelerator if you bank with Bank of America or Merrill Lynch

• More restrictive than a straight cash back card
• If you're a big spender with excellent credit and willing to pay an annual fee, there are cards with higher rewards