This Top Card Charges No Interest Into 2027 Plus Generous Travel Rewards
- Long introductory APR for both purchases and balance transfers
- Earn unlimited points on every purchase with no annual fee
- Flexible travel redemption options and no foreign transaction fees
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FinanceBuzz's credit card experts reviewed dozens of cards with generous intro APR periods, and the Bank of America® Travel Rewards credit card is a clear favorite. Even better: This card is also a travel card. Rack up powerful travel rewards all while enjoying the low intro APR!
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0%, 15 billing cycles
0%, 15 billing cycles for any balance transfers made in the first 60 days
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
What we love about the Bank of America® Travel Rewards credit card
It can be rare to find a travel rewards card that also offers an intro APR, but with the Bank of America® Travel Rewards credit card, you could take a break from high-interest payments until 2027 thanks to a 0% intro APR for 15 billing cycles on purchases and 15 billing cycles for any balance transfers made in the first 60 days (APR then 17.49% - 27.49% Variable).
You can also stack rewards at the same time with the ability to earn an unlimited 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center and 1.5 points per $1 spent on everyday purchases. It's super simple — with no spending categories to track or activate, you can earn the same rate buying groceries or indulging on a night out.
More benefits and perks
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Fewer fees: This card has no annual fee and no foreign transaction fees.
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A bonus worth 25% of its spending threshold: Earn 25,000 bonus points after you make at least $1,000 in purchases in the first 90 days of account opening — that's worth a $250 statement credit toward travel or dining purchases.
- Travel and dining rewards: Redeem points for a statement credit to pay for travel or dining purchases. This includes flights, hotel stays, car and vacation rentals, and more where and when you want — you're not limited to specific websites with blackout dates or restrictions. Or redeem for purchases at restaurants, including takeout.
- Other reward options: While redeeming points for travel or dining purchases will give you the maximum value, you also have the option to redeem for cash rewards or gift cards.
- A chance to earn even more points: If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase.
- Travel and purchase protections: You also have access to Visa Signature benefits, like extended warranty, lost luggage insurance, and travel cancellation and interruption insurance.
Apply online for the Bank of America® Travel Rewards credit card now
Bottom Line: Who Is This Card Best For?
The Bank of America® Travel Rewards credit card is a great choice for anyone who:
- Doesn't want to choose between an intro APR and travel rewards: This card is almost a no-brainer for this exact reason. If you want a do-it-all card that offers a long, low intro APR on purchases and qualifying balance transfers ... plus travel rewards ... this just might be the perfect choice for you.
- Wants to save money on high-interest debt: It's hard to beat a reward card that also offers 0% intro APR for 15 billing cycles for any balance transfers made in the first 60 days (APR then 17.49% - 27.49% Variable).
- Needs to pay off a large purchase over time: You can buy now and pay over time before interest kicks in with 0% intro APR for 15 billing cycles on purchases (APR then 17.49% - 27.49% Variable).
- Is a Bank of America member: You can earn 25% to 75% more points on purchases if you're a Bank of America Preferred Rewards® member.
- Loves to dine out or travel: Points are worth the most when redeemed for a statement credit on travel or dining purchases. Plus, points don't expire as long as your account remains open, so you can save up and take a vacation for nearly free.
» Click here to apply for the Bank of America® Travel Rewards credit card now
Intro Offer
Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Annual Fee $0 Why we like it
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Other Cards You Might Like:
The Bank of America® Travel Rewards credit card is hard to beat with its long intro APR period, welcome offer, and unlimited rewards. Getting all this with a $0 annual fee is rare. But, if you want to consider other options, here are some contenders:
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If you want travel rewards on top of a low intro APR on purchases and balance transfers:
Picture yourself smiling every time you swipe your Capital One VentureOne Rewards Credit Card(Rates and fees) because you won’t have to pay interest until 2027. You could transform your financial situation in no time.
Enjoy 0% intro APR on purchases and balance transfers for 15 months (balance transfer fee applies), then APR 18.49% - 28.49% (Variable). You can skip the frustrating interest charges for a time and make moves against runaway credit card debt.
Plus, you can earn an unlimited 1.25 miles per dollar on every purchase, every day. Beyond travel, miles can also be redeemed for gift cards, to shop on Amazon.com, or to pay for purchases via PayPal Pay with Rewards. Rack up even more rewards by earning 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
And new cardholders can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
Annual Fee: $0
Click here to apply for the Capital One VentureOne Rewards Credit Card now.
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If you want to maximize cash back and pay no interest into 2027 on purchases and balance transfers:
With the Discover it® Cash Back(Rates and fees) card in your pocket, you can enjoy paying no interest on purchases or balance transfers into 2027 while earning some of the highest cashback rewards we've seen from cards with intro APR perks!
Enjoy a 0% intro APR for 15 months on purchases and balance transfers, then APR is 17.49% - 26.49% Variable. This is a great time to pay down credit card debt or help finance a large purchase without adding interest charges. Plus: Discover will match all the cash back you’ve earned at the end of your first year.
Frequently Asked Questions
Have questions about no interest credit cards? We've answered the most common ones below to help you choose the right card for you.
If you can pay off your credit card before the promotional period ends, a 0% intro APR credit card can be worth it. Some of these cards might also be able to earn you bonus cash back on certain new purchases. However, a plan to pay off the credit card is important if you want to save money on interest and get rid of your debt faster.
Anyone who qualifies can take advantage of a 0% intro APR offer, so the list of the type of people who can benefit from one is long. However, here are two specific examples in which a 0% intro APR offer can make a significant difference:
- People with crippling credit card debt: If you’re struggling to get ahead on paying down your credit card debt, high interest rates could be part of the problem. If you can qualify for a balance transfer credit card, you can remove interest costs from the equation, at least for a time, while you focus on eliminating your debt.
- People with emergency expenses: If you’ve lost a job, experienced a short-term disability, or dealt with expensive car or home repairs, a 0% intro APR credit card can help you cover the cost of your emergency expenses and give you time to pay for them interest-free.
When your 0% intro APR promotional period ends, your account APR will change to its regular APR, which was set when your account was opened. This may be a variable APR that takes into account your creditworthiness, or it may be a fixed APR. If you pay off your balance in full every month, you’ll continue to be able to use the card interest-free. But if you carry a balance from month to month, you’ll pay interest on that balance.
APR, or annual percentage rate, is a number that expresses how much you’ll pay for borrowing money, including interest, fees, and other charges. An interest rate is how much interest you’re charged for borrowing money. The APR and interest rate for credit cards are basically the same thing, but these rates are typically different for loans.