Bank of America Travel Rewards Credit Card Review Bankrate Main Menu Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Banking Compare Accounts Use calculators Get advice Bank reviews Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Loans Personal Loans Student Loans Auto Loans Loan calculators Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Home equity Get the best rates Lender reviews Use calculators Knowledge base Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Real estate Selling a home Buying a home Finding the right agent Additional resources Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Insurance Car insurance Homeowners insurance Other insurance Company reviews Looking for the perfect credit card? Narrow your search with CardMatch Main Menu Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Looking for the perfect credit card? Narrow your search with CardMatch Advertiser Disclosure

Bank of America Travel Rewards credit card review Flat-rate travel rewards with no annual fee

Written by Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, Nov. 8, 2022 Edited by Senior Editor, Credit Card Product News Emily Sherman is a senior editor for CreditCards.com and Bankrate Credit Cards, specializing in product news and recommendations. She has worked as a writer and editor in the Reviewed by Former Senior Director of Content Antonio Ruiz-Camacho is senior director of content for CreditCards.com and Bankrate Credit Cards. He has more than 20 years of international experience leading content teams, Nov. 8, 2022

Share

Bankrate Logo

Why you can trust Bankrate

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate Logo

Why you can trust Bankrate

At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Consistently provide up-to-date, reliable market information so you\'re well-equipped to make confident decisions. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Bankrate Logo

Editorial Integrity

Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate Logo

How We Make Money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate Logo

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

ON THIS PAGE

PREV NEXT

Snapshot

4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bottom line This a flexible, no-annual-fee alternative to travel cards that take a bit more elbow grease to maximize. However, since points can’t be transferred to partner programs and there aren’t any travel-specific benefits, it can feel like a flat-rate cash back card with more red tape. on Bank of America's secure site

Best for flat-rate travel rewards

Bank of America® Travel Rewards credit card

Rewards rate 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. Annual fee Intro offer 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. Regular APR Recommended Credit Score A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Bank of America® Travel Rewards credit card  Overview

The Bank of America Travel Rewards credit card is a decent flat-rate rewards card for travelers who want to avoid an annual fee. It's a great fit for occasional travelers who only take a few trips per year and want to earn rewards on everyday spending, not just travel purchases. Because this carries a flat rewards rate and isn't tied to specific hotel or airline partners, you won't have to tailor your spending to any one category and can book your travel with any provider and receive a statement credit. also have a looser definition of travel compared to cards from other issuers, allowing you to receive a statement credit for purchases at campgrounds, travel agencies, zoos, art galleries and more. If you've shelved your travel plans for the moment though, you can also redeem points for a statement credit toward dining purchases. However, there aren't any travel-specific features to speak of, and your rewards can't be used to directly book travel through an issuer portal or a transfer partner. This may be a dealbreaker for frequent travelers since you'll usually get the best value for your rewards when you redeem rewards through an issuer portal or by transfer to airline partners, as you can with many , and travel cards. Unless you're a Preferred Rewards member that needs an easy-to-manage travel card, this standard travel card essentially becomes a flat-rate cash back card with more reward redemption red tape.

What are the advantages and disadvantages

Pros

No annual fee or foreign transaction fees keeps rewards earnings in your hands 0% intro APR on purchases and balance transfers for 18 billing cycles (then 16.99% – 26.99% variable APR). Can boost your rewards rate by up to 75 percent as a Preferred Rewards member. Redeemed points can cover up to a 12-month-old travel or dining purchase.

Cons

Minimum redemption requirement of 2,500 points for travel or cash back Better travel-related category coverage, but the rewards are only valuable if you’re a Preferred Rewards member Limited travel benefits make travel less convenient than it can be with other cards

A deeper look into the current card offer

Quick highlights

Rewards rate: Unlimited 1.5 points per dollar on all purchases Welcome offer: 25,000 bonus points ($250 value toward travel purchases) if you make $1,000 in purchases within 90 days of opening the account Annual fee: None Purchase intro APR: 0% for 18 billing cycles Balance transfer intro APR: 0% for 18 billing cycles on balance transfers made within the first 60 days (3 percent fee, minimum $10 applies) Regular APR: 16.99% – 26.99% Variable APR

Current welcome offer

Bank of America is currently offering 25,000 bonus points when you spend at least $1,000 in qualifying purchases within 90 days of opening the account. If you redeem these points for a statement credit, they'll be worth about $250 toward travel. Considering that this card has , this is a generous welcome offer. A $250 value is slightly higher than what you'll find with some other no-annual-fee cards. Other cards' can climb higher but they typically charge an annual fee, which will eat into your rewards. Keep in mind, though, that since some competing cards only require a $500 spend to earn a $200 bonus, you may be spending double with the Bank of America Travel Rewards card to qualify for an extra $50 in rewards.

Rewards rate

This card offers a high rewards rate on everyday purchases and travel booked through Bank of America, but these than typical bonus miles. Instead of using rewards to book travel, your Bank of America travel rewards go toward statement credits on travel or dining purchases-meaning this card works more like a specialized . If you're a Preferred Rewards member, you can earn 25 percent to 75 percent more points on every purchase. That means you could earn up to 2.62 points for every $1 spent. Here's a quick primer on how to earn and maximize your :

How you earn

The Bank of America Travel Rewards credit card allows you to earn unlimited 1.5 points for every dollar you spend on all purchases. You can also earn 3 points per dollar on travel bookings and other purchases through the Bank of America Travel Center (except insurance). However, the Bank of America Preferred Rewards program gives the Travel Rewards card an edge over similar competing cards, if you already have an eligible account with Bank of America. Depending on which status tier you hold, you'll earn 25 to 75 percent bonus points on every purchase. That means Platinum Honors Preferred Rewards members can earn up to 2.62X points on all purchases.

How to redeem

You can redeem your points for gift cards, cash or a statement credit to cover travel-related purchases. Even better, you can request credit for your travel-related purchases up to 12 months after you make them. That opens the door to exceptional deals that you might not get with other travel reward programs, such as discount bookings through external travel websites. Just keep in mind that there's a 2,500-point redemption minimum for travel credits and cash and a 3,125-point minimum for gift cards. You can receive cash back as a check or direct deposit to an eligible checking or savings account with Bank of America or an eligible Merrill Cash Management Account. Perhaps one of the best aspects of the Bank of America Travel Rewards card's travel credit redemption is that it covers a wide range of purchase categories that may not usually qualify as travel or dining. For example, you can get statement credits for admission tickets to art galleries and aquariums, purchases at bars and nightclubs or even eligible purchases with real estate agents. Some travel or dining-related expenses like in-flight goods and services and duty-free airport purchases aren't eligible for statement credits. Knowing which purchases qualify for credits can get confusing, so here's a handy list of categories you can put travel credits toward:

Bank of America Travel Rewards card categories eligible for travel credits

Eligible travel-related category examples Eligible dining-related category examples Airlines Hotels and motels Timeshares Trailer parks, motor home and recreational vehicle rentals Campgrounds Car, truck, trailer and boat rentals Cruise lines Travel agencies, tour operators and real estate agents Transit including passenger trains, buses, taxis, limousines, ferries, parking lots and garages, tolls and bridge fees Tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos, Restaurants and eating places Fast food restaurants Bars Taverns Cocktail lounges Nightclubs

How much are the rewards worth

If you redeem your points for a travel statement credit, they're worth 1 cent each, so 25,000 points is equal to $250. Cash and gift cards usually give you less bang for your buck. When you redeem for cash, your points are only worth 0.6 cents each (or $150 for every 25,000 points). The value of your points when you redeem gift cards varies by retailer. and other issuers with traditional travel reward programs, you may get more bonus category flexibility but you can't transfer your points to travel partners at a higher value. Bank of America Travel Rewards card points are stuck at a 1-cent-maximum. If you're a frequent traveler, you may squeeze more value out of a card that allows you to transfer points to airline and hotel partners. According to , many airline points can be worth an average of around 2 cents each, depending on the card issuer.

Other cardholder perks

The Bank of America Travel Rewards card isn't a powerhouse for perks like other travel-oriented rewards credit cards. It offers basic features like free access to your credit score, overdraft protection and account alerts, plus there are a few extra benefits outside the Preferred Rewards program that might be helpful during your travels.

Preferred Rewards

If you bank with Bank of America or invest with Merrill Edge, you may be able to join the , which gives you the chance to earn a higher rewards rate on your purchases. Plus, you could receive other benefits like boosted interest rates on savings accounts and reduced interest rates on your home equity and auto loans. Depending on how much money you keep in your combined Bank of America and Merrill investment accounts, you could earn up to a 75 percent bonus on your credit card rewards. So, if you have a combined balance of at least $100,000 and make a purchase that earns 100 points, you could actually get up to 175 points as a Platinum Honors Preferred Rewards member. Bank of America Preferred Rewards status tiers Gold (at least a $20,000 combined balance): 25 percent bonus rewards Platinum (at least a $50,000 combined balance): 50 percent bonus rewards Platinum Honors (at least a $100,000 combined balance): 75 percent bonus rewards

BankAmeriDeals

Bank of America cardholders have exclusive access to BankAmeriDeals, the issuer's version of card-linked programs like Amex Offers or Chase Offers. You can log into your account and usually earn anywhere from 5 to 15 percent extra cash back (up to a certain limit) at participating restaurants and other merchants after activating the respective offer. BankAmeriDeals won't rake in big bucks, but the "coins" you get for regularly using the program can help you obtain upgraded deals.

Visa Signature benefits

As a , your Bank of America Travel Rewards card has access to a portfolio of that can come in handy on the road. Contact your issuer to see which features your card specifically carries, but you can expect to receive standard benefits like: Extended warranty protection Visa Signature® Concierge services Roadside Dispatch® Lost luggage reimbursement Travel and emergency assistance

Museums On Us

If you love planning day trips to popular museums, then this benefit is an underrated gem. Simply presenting your Bank of America debit or credit card and a valid photo ID will get you free admission to during the first weekend of each month.

Rates and fees

One of the main benefits of the Bank of America Travel Rewards card is the lack of fees. There is no annual fee and , which is great news if you're planning to travel abroad. There's also a 0% APR on purchases for 18 billing cycles and on balance transfers made within your first 60 days (then a 16.99% – 26.99% variable ongoing APR), which can be helpful when financing a big purchase during the first year. You'll be charged $10 or a 3 percent fee, whichever is greater, for each transfer you make.

How the Bank of America Travel Rewards credit card compares to other travel cards

The Bank of America Travel Rewards card is one of the if you value flexibility. I doesn't operate like a traditional travel card with bonus points or miles but instead works like a except your statement credits are restricted to travel and dining-related categories. If you don't travel frequently and "flexibility" means occasionally redeeming for cash rewards, you're probably better off with a true flat-rate card. For those who want more well-rounded benefits, another card may be a better fit.

Bank of America® Travel Rewards credit card

star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Bank of America's secure site Annual fee Intro offer 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. Rewards rate 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. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Bank of America® Travel Rewards credit card

star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. on Bank of America's secure site Annual fee Intro offer 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. Rewards rate 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. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Capital One Venture Rewards Credit Card

on Capital One's secure site Annual fee Intro offer New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening Rewards rate Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options Earn unlimited 2X miles on every purchase, every day. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Bank of America Travel Rewards vs Capital One Venture Rewards Credit Card

The Bank of America Travel Rewards card lets you redeem points to cover both travel and travel-related activities like dining and attractions. This makes it a great choice for those who don't always need a flight or rental car for a vacation. However, a true travel card can also offer similar versatility if you want more travel-based perks. The offers more traditional travel card rewards but keeps the streamlined experience. It offers a higher rewards rate of an unlimited 2X miles on all qualifying purchases, up to a $100 credit for TSA Global Entry or TSA PreCheck application fees and the chance to earn a bigger welcome bonus. It also rewards actual hotel and rental car travel purchases at a higher 5X rate if you book through the Capital One Travel portal. On the flip side, the Venture card charges a $95 annual fee, doesn't offer an introductory APR and has a higher APR (18.99 percent to 26.99 percent variable) than the Bank of America Travel Rewards credit card. The Venture card also doesn't allow you to redeem miles to cover tertiary travel purchases like tourist attraction tickets and dining expenses. Instead, you can use your to book travel or cover eligible travel purchases made in the last 90 days. To the Venture card's advantage, its rewards can gain value with the right transfer partner. According to Bankrate's latest mile valuation, Venture miles are worth an average of 2 cents per mile when transferred to a high-value partner, and the bulk of Capital One's partners have a 1:1 transfer rate. So if you're willing to trade some elbow grease for more rewards value, is likely the wiser route.

Bank of America Travel Rewards vs Bank of America® Premium Rewards® credit card

If you're on the fence about investing money into a card with an annual fee but you'd like to benefit from higher rewards rate on specific travel and dining purchases, you might want to look into the . It has the same $95 annual fee as the Venture card, but with higher reward rates and much better travel benefits than the standard Bank of America Travel Rewards card. You'll also get prized typically found on top-tier travel cards like travel & emergency assistance services, lost luggage reimbursement and auto rental collision damage waiver coverage. Although the 2X points on travel and dining are only a small upgrade (the reward rates are lower than their counterparts on the ) and the card remains relatively frill-less, you're getting plenty for the price. In fact, frequent flyers can completely offset the annual fee without rewards spending via up to $100 in annual airline incidental statement credits and up to $100 Global Entry or TSA PreCheck application fee credits (applies every four years). Keep in mind that the incidental credits only cover costs like seat upgrades, baggage fees, airline lounge access and in-flight services rather than general airfare, but savvy travelers will find the Premium Rewards a much better deal than the base Travel Rewards card.

Best cards to pair with the Bank of America Travel Rewards card

Since the Bank of America Travel Rewards card is a flat-rate card, the best cards to pair with should reward the categories you spend the most in with higher reward rates. Your Travel Rewards card points are best used to cover travel and dining purchases, so you'll want a card that covers spending outside those two categories. The could be one of the best cash back cards for the rest of your everyday spending. It earns 6 percent cash back at U.S. supermarkets (on up to $6,000 per year, then 1 percent) and on select U.S. streaming services, 3 percent back on transit and U.S. gas station purchases plus 1 percent on all other purchases. There is a $95 annual fee for this card ($0 intro annual fee for the first year), but the sheer amount of cash back can potentially more than cover the annual fee. The Bank of America Travel Rewards card doesn't provide many travel benefits or rewards on some expenses like in-flight purchases, so it may also be worthwhile to look into a brand-specific that will fill in those gaps.

Bankrate s Take Is the Bank of America Travel Rewards credit card worth it

The no-annual-fee Bank of America Travel Rewards card is a good choice for frequent travelers who value flexibility and are Preferred Rewards members that already bank with Bank of America or Merrill. Since you can redeem points for a travel rewards statement credit, you won't have to deal with blackout dates or travel restrictions when redeeming, and you have the freedom to book through third-party sites for better travel deals. You'll also be able to use your points to cover a wide range of travel purchases, from aquarium tickets to hotel stays, which aren't covered by similar redemption options from other issuers. However, there aren't any travel-specific perks or opportunities to transfer rewards, so many cardholders looking for richer travel opportunities will find this card two-dimensional. Since your rewards are limited to travel or dining statement credit redemptions, a may even be a better option if you aren't a Preferred Rewards member.

Frequently Asked Questions

What are the benefits of the Bank of America Travel Rewards card

Outside its rewards program and potential Visa Signature benefits, the Travel Rewards card is pretty light on perks. Here’s a list of the noteworthy additional features you’ll receive:

Up to 25 percent to 75 percent more rewards on each purchase via the Preferred Rewards program Savings on limited-time offer purchases through BankAmeriDeals Free admission once a month to over 225 institutions through Museums on Us

Bank of America’s rewards cards are all relatively light on extra benefits, but the Premium Rewards card has a few travel protections and credits under the hood.

What credit score do you need for the Bank of America Travel Rewards card

You’ll have the best approval odds if you apply for the Bank of America Travel Rewards card with a good to excellent credit score (a FICO score of 670 or higher, or a VantageScore of 661 or higher).

How do you redeem Bank of America Travel Rewards points

Once you log into your online banking account, choose your card and load the “Rewards” page. You can redeem your rewards for gift cards, cash back (as a check or direct deposit to an eligible savings or checking account with Bank of America or Merrill) or a statement credit for travel and dining purchases made in the last 12 months. Travel and cash redemptions have a 2,500-point minimum redemption and gift cards pose a higher 3,125-point minimum.

Does the Bank of America Travel Rewards card charge a foreign transaction fee

The Bank of America Travel Rewards card does not charge foreign transaction fees, so you can safely use it abroad without the typical 3 percent fee eating into your hard-earned rewards.

Does the Bank of America Travel Rewards card offer travel insurance

Unfortunately, the standard Travel Rewards card doesn’t offer any notable travel insurance. Although some no annual fee travel cards do offer various travel protections, you’ll have to pony up for the Bank of America Premium Rewards card to receive insurance like trip cancellation/interruption protection, trip delay reimbursement, luggage protections and more.

ON THIS PAGE

Written by Garrett Yarbrough Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. Edited by Senior Editor, Credit Card Product News Reviewed by Former Senior Director of Content

Advertiser Disclosure

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.