Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Travel
3x
Everything else
1.5x
Where it wins:
No annual fee — every dollar of rewards and credits is net value.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America Travel Center – powered by Expedia.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Travel3×
- Everything elseAll Purchases1.5×
Welcome offer
50,000 points
- Spend $5,000 in 90 days
- Est. value: $500 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- No international transaction fees
- Travel and Emergency Services
Includes auto rental coverage, $1 million in travel accident insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals.
- Employee cards at no additional cost
- Cash Flow Management Tools
Manage your business with automatic payments, transfers and downloading transactions to QuickBooks.
- Free access to business credit scores
View your Dun & Bradstreet business credit scores for free within Business Advantage 360.
- Digital Wallet
Make purchases in person with a tap of your phone, or online.
- Zero liability protection
For unauthorized transactions.
- Balance Connect® for overdraft protection
- Fraud Monitoring
- Purchase security
Covers certain purchases against loss, damage, theft or fire.
- Extended warranty coverage
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.