This guide breaks down how to convert Bank of America Travel Rewards points into flights in 2025, with clear details to help you get the best bang for your buck. I’m Brian Kelly, and after years of juggling travel rewards and credit cards, I can say there’s nothing quite like scoring a fancy seat upgrade for less than the price of a stadium hot dog.
The Bank of America Travel Rewards credit card offers a simple points system: you earn 1.5 points for every $1 spent on all purchases, with no extra categories to worry about. Points are generally worth 1 cent each when used for travel. While there are no airline transfer partners, you can redeem points pretty much any way you’d like.
For further details, check the Bank of America Travel Rewards card benefits guide.
Using your points for flights can be done two ways: statement credit or the Bank of America Travel Center. I once booked a last-minute trip to Vegas using the Travel Center, then decided I shouldn’t test my luck on the roulette tables.
This method lets you book flights on any website or app, then wipe out the purchase with points.
Steps:
You need at least 2,500 points ($25 value) to redeem. Eligible travel includes airlines, hotels, car rentals, cruise lines, travel agencies, and more.
If you book through the Travel Center, you’ll snag 3 points per $1 spent on travel.
Steps:
You can also pay part of the cost with points and the rest with your card.
Depending on your combined Bank of America and Merrill balances, you can earn a boost of 25%–75%:
Booking international flights? Same process, book as usual, then offset the cost with points. For more travel ideas, check resources like the Exploring Guidebook.
Using this card for flights earns you:
What’s missing? Comprehensive benefits such as trip cancellation/interruption insurance, baggage delay insurance, and rental car collision coverage are not included.
Feature | Bank of America Travel Rewards | Capital One Venture | Chase Sapphire Preferred |
Annual Fee | $0 | $95 | $95 |
Standard Earning Rate | 1.5X points | 2X miles | 2X points on travel |
Maximum Rate with Bonuses | 2.62X (Platinum Honors) | 2X | 2X (5X through portal) |
Point Value for Flights | 1 cent per point | 1 cent per point | 1.25 cents through portal |
Transfer Partners | None | 15+ airline partners | 14+ airline partners |
Insurance Coverage | Limited accident coverage | Comprehensive | Comprehensive |
Foreign Transaction Fees | None | None | None |
The $0 annual fee is a huge plus, and with Preferred Rewards, your points can stack quickly. However, there are no transfer partners and fewer travel protections.
Bank of America Travel Rewards is a neat option for flights. Whether you offset purchases through statement credits or book through the Travel Center, you can turn everyday spending into meaningful journeys in 2025. I’ve certainly enjoyed redeeming miles for everything from impromptu weekend getaways to escapes across the Atlantic, just don’t forget your neck pillow.
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