Introduction
Bank of America is an excellent credit card provider for anyone engaged in international transactions. All its cards are aimed at travelers and businesses. These cards have the added benefit of waiving foreign transaction fees, rewards on travel-related purchases, and advanced security on international purchases. Whether you are a frequent flyer or seeking a card with more flexibility abroad, Bank of America has options that ensure hassle-free international transactions and decent savings. We will look into the most common Bank of America credit cards used for international transactions and their benefits.
Summary Table (TLDR)
Top 4 Bank of America Credit Cards for International Transactions [2025]
| S. N. | Name of Reward Credit Card | Best Feature |
| 1. | Bank of America Premium Rewards Credit Card | Best for travel and dining, with 2 points per dollar on travel/dining and 1.5 points on all other purchases, plus a 50,000-point bonus. |
| 2. | Bank of America Travel Rewards Credit Card | Ideal for everyday spending, earning unlimited 1.5 points per dollar on all purchases, with no annual fee and no foreign transaction fees. |
| 3. | Bank of America Unlimited Cash Rewards Credit Card | Offers 1.5% cashback on all purchases, with no annual fee and a $200 cash bonus after spending $1,000 in the first 90 days. |
| 4. | Bank of America Customized Cash Rewards Credit Card | Earns 3% cashback on a category of your choice (gas, dining, online shopping, etc.), 2% at grocery stores, and 1% on all other purchases. |
The Bank of America Premium Reward Credit Card is best used for travel and dining purposes. This card also provides rewards on purchases.
International transaction
| Issuer | Bank of America |
| Payment Gateway | Visa |
| Credit Score | Excellent |
| Intro APR | N/A |
| Regular APR | 20.24% – 27.24% Variable APR. |
| Sign In Bonus | 50,000 online bonus points after making at least $3,000 in purchases in the first 90 days of account opening. |
| Best For | Household/ Regular Shopper |
The Bank of America® Premium Rewards® Credit Card, issued by Bank of America, offers 2 points per dollar on travel and dining and 1.5 points on all other purchases. It’s perfect for frequent travelers seeking flexible rewards and travel benefits.
The card has a $95 annual fee and offers a 60,000-point bonus after $4,000 in purchases within the first 90 days. It also includes travel insurance and no foreign transaction fees.
Key Features:
- Travel Rewards
- Sign-up Bonus
Reward Rate:
- 2 points for every $1 spent on travel and dining purchases
- 1.5 points for every $1 spent on all other purchases
Other Information:
- Up to $100 in Airline Incidental Statement Credits annually
Pros & Cons of Bank of America Premium Rewards Credit Card
| Pros | Cons |
|---|---|
| 2 points per $1 on travel and dining purchases. | $95 annual fee. |
| 1.5 points per $1 on all other purchases. | Earned points can be redeemed for travel, statement credits, or gift cards, but redemption options are limited. |
| $200 online statement credit after making at least $1,000 in purchases in the first 90 days. | $100 airline incidental statement credit for purchases like baggage fees or in-flight refreshments. |
Expert Advice:
Bank of America Premium Rewards Card is a premium travel card offering two points per dollar on travel and dining. This a great offer for frequent travelers looking to earn high rewards for peaceful travel by refundable sign-up miles and insurance, yet few luxurious benefits are available at exclusive airport lounges.
2. Bank of America® Travel Rewards Credit Card
The Bank of America Travel Reward Credit Card is best used for everyday spending. This card is best for daily travelers.
International transaction
| Issuer | Bank of America |
| Payment Gateway | Visa |
| Credit Score | Good/Excellent |
| Intro APR | 0% intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. |
| Regular APR | Variable APR of 18.24% – 28.24%. |
| Sign-up Bonus | 25,000 online bonus points after making at least $1,000 in purchases in the first 90 days of account opening. |
| Best For | Travelers N/A |
The Bank of America® Travel Rewards Credit Card, issued by Bank of America, offers unlimited 1.5 points per dollar on all purchases. It’s designed for travelers who want to earn rewards on everyday spending with no blackout dates.
The card has no annual fee and provides a 25,000-point bonus after $1,000 in purchases within the first 90 days. It also includes no foreign transaction fees and a low introductory APR.
Key Features:
- Travel Rewards
- No Annual Fee
Reward Rate:
- Earn unlimited 1.5 points per $1 spent on all purchases.
- Points can be redeemed for a statement credit to pay for travel or dining purchases.
Other Information:
- No foreign transaction fees
Pros & Cons of Bank of America® Travel Rewards Credit Card
| Pros | Cons |
|---|---|
| 1.5 points per $1 on all purchases, with no rotating categories. | No sign-up bonus for new cardholders. |
| No annual fee. | Points can only be redeemed for travel expenses. |
| There are no foreign transaction fees, ideal for international travel. | Higher APR (15.49% – 23.49% variable) if you carry a balance. |
Expert Advice:
Bank of America Travel Rewards Card is for casual spenders with unlimited points of 1.5 on purchases. There are no annual or foreign transaction fees associated with it. This card is a straight line and good for rewards for those who want something straightforward.
3. Bank of America® Unlimited Cash Rewards
The Bank of America® Unlimited Cash Rewards card is great for all types of purchases. This card provides small rewards and cashback with zero annual fees.
International transaction
| Issuer | Bank of America |
| Payment Gateway | Visa |
| Credit Score | Good/Excellent |
| Intro APR | 0% intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After that, a variable APR of 18.24% – 28.24% applies. |
| Regular APR | Variable APR of 18.24% – 28.24%. |
| Sign-up Bonus | $200 online cash rewards bonus after making at least $1,000 in purchases. |
| Best For | Everyday Spenders N/A |
The Bank of America® Unlimited Cash Rewards card, issued by Bank of America, offers unlimited 1.5% cash back on all purchases. It’s perfect for simple, flat-rate rewards without category restrictions.
The card has no annual fee and provides a $200 online cash rewards bonus after making $1,000 in purchases within the first 90 days. It also includes a low introductory APR for the first 15 billing cycles.
Key Features:
- Cash Back
- Simple Rewards
- No Annual Fee
Reward Rate:
- Earn unlimited 1.5% cash back on all purchases.
Other Information:
- 3% of each transaction in U.S. dollars
Pros & Cons of Bank of America® Unlimited Cash Rewards
| Pros | Cons |
|---|---|
| 1.5% cash back on every purchase with no categories to track. | Foreign transaction fee of 3%. |
| No annual fee. | No bonus for new cardholders or sign-up rewards. |
| 0% intro APR on purchases for the first 15 billing cycles (then a variable APR of 18.24% – 28.24%). | Higher APR if the intro period ends and a balance is carried over. |
Expert Advice:
Bank of America Unlimited Cash Rewards is a card that offers 1.5% cash back on every purchase and is ideal for those who prefer a simple but effective cashback model. Consequently, this makes the ideal card for all spenders, ensuring consistency in rewards.
4. Bank of America® Customized Cash Rewards
The Bank of America® Customized Cash Rewards card is great for online shopping, gas, dining, travel, drug stores, or home improvement. This card provides great deals for everyday purchases.
International transactions
| Issuer | Bank of America |
| Payment Gateway | Visa |
| Credit Score | Good/Excellent |
| Intro APR | 0% intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. |
| Regular APR | Variable APR of 18.24% – 28.24%. |
| Sign-up Bonus | $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. |
| Best For | Everyday Spenders N/A |
The Bank of America® Customized Cash Rewards card, issued by Bank of America, offers 3% cash back in a category of your choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases. It’s ideal for tailored rewards on everyday expenses.
The card has no annual fee and offers a $200 online cash rewards bonus after making $1,000 in purchases within the first 90 days. It also provides a low introductory APR for the first 15 billing cycles.
Key Features
- Cash Back
- Customizable Rewards
- No Annual Fee
Reward Rate
- 3% cash back in a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings) on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter (then 1%).
- 2% cash back at grocery stores and wholesale clubs.
- 1% cash back on all other purchases.
Other Information
- 3% of each transaction in U.S. dollars.
Pros & Cons of Bank of America® Customized Cash Rewards
| Pros | Cons |
|---|---|
| 3% cash back on a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement). | Limit of $2,500 combined for 3% and 2% categories each quarter. |
| 2% cash back on grocery store and wholesale club purchases (up to $2,500 combined in these categories each quarter). | Foreign transaction fee of 3%. |
| No annual fee. | APR can be high (16.24% – 26.24% variable) if carrying a balance after the intro period. |
Expert Advice:
Bank of America Customized Cash Rewards is the best card for people seeking flexibility in cashback options, this one allows you to select which category earns you 3% cashback: gas, dining, or online shopping. It also allows you to earn 2% cashback on grocery store and warehouse purchases, up to $2,500 combined maximum per calendar quarter.
Comparison Table
| Credit Card | Best For | Reward Rate | Sign-up Bonus | Annual Fee | Key Benefits | Decision Criteria |
| Bank of America Premium Rewards Credit Card | Frequent Travelers | 2 points per $1 on travel & dining, 1.5 points on all other purchases | 50,000 points after spending $3,000 in 90 days | $95 | $200 online credit, airline incidental credit, no foreign fees | Choose if you want premium travel rewards & perks |
| Bank of America Travel Rewards Credit Card | Everyday Travelers | 1.5 points per $1 on all purchases | 25,000 points after spending $1,000 in 90 days | $0 | No foreign transaction fees, unlimited points on all purchases | Ideal for simple, straightforward travel rewards |
| Bank of America Unlimited Cash Rewards Credit Card | Everyday Spenders | 1.5% cash back on all purchases | $200 after spending $1,000 in 90 days | $0 | No annual fee, straightforward cashback | Perfect if you want a simple cashback model |
| Bank of America Customized Cash Rewards Credit Card | Flexible Spenders | 3% cashback in your choice category (gas, dining, etc.), 2% on groceries, 1% on others | $200 after spending $1,000 in 90 days | $0 | No annual fee, customizable categories for higher cashback | Choose if you prefer customizable cashback categories |
Methodology
The methodology used to evaluate Bank of America credit cards for international use is based on several significant factors determining a traveler’s experience while traveling abroad. Firstly, foreign transaction fee-free cards are emphasized, which is a substantial consideration for international travelers to avoid extra charges, typically 3% of the value of the transaction. Secondly, the reward mechanism is evaluated, namely how cards like the Bank of America® Travel Rewards Credit Card offer unlimited rewards on every purchase, foreign or domestic, to ensure that the points are earned equally on every expense.
We also evaluate cards that offer guaranteed worldwide acceptance, e.g., Visa or Mastercard, to ensure that the card is accepted everywhere worldwide. Moreover, we evaluate the sign-up bonus, annual fee, and travel-related rewards like insurance protection and redemption value. This comprehensive methodology ensures that the recommended cards are worthwhile, safe, and convenient to use internationally.
Most Used Bank of America Credit Cards are Best for International Transactions
1. Travel Reward Program/Card with Absolutely No Foreign Transaction Fees
Some Bank of America credit cards, including the Bank of America® Travel Rewards Credit Card, will not impose any foreign transaction fees. This can really work to your advantage on an international trip because big banks typically charge approximately 3% on top of the usual cost of transactions made outside the United States. Basically, with this facility, you won’t pay any extra charge for purchases abroad to expand on affordable foreign spending.
2. Unlimited Rewards on International Purchases
The Bank of America® Travel Rewards Credit Card accrues a whopping 1.5 points per qualifying dollar on every purchase, whether international or domestic. That means international purchases-whether it be for travel, dining, or shopping-will yield reward points with exactly the same ease as domestic ones. It does not draw a distinction between local or foreign spending. Whether you’re abroad or at home, you can earn rewards consistently, never having to keep track of categories or spending limits.
3. No Fee for Annual Dues
A few international Bank of America credit cards like the Bank of America® Travel Rewards Credit Card do not levy an annual fee. This is an advantage, especially if you only sporadically head abroad. The fact that there is no annual fee means you will not incur costs that you might consider on the higher end for a card that you may use just once in a while, thus making the prices of all these cards bearable for international travelers caught in a need for ease and savings.
4. Global Acceptance
Internationally, Bank of America credit cards like the Bank of America® Premium Rewards Credit Card are broadly accepted. They feature EMV chip technology for a secure transaction, and most of the cards are Visa or Mastercard, which are accepted worldwide. What this means to you is that your card is accepted almost anywhere you travel, from busy cities down to remote areas, relieving your mind from having to worry about whether your payment will go through in foreign lands.
5. Earn Bonus Points on Expenses Related to Travel
With the Bank of America® Premium Rewards Credit Card, cardholders can earn 2 points for every dollar spent on travel and dining. Those who travel likely realize this means purchases made while traveling, such as hotel stays, transportation, and dining at restaurants, earn many more rewards than standard purchases. This allows you to accumulate faster points that you can use for future travel-related purchases.
6. Trip Delay and Accident Coverage
The Premium Rewards card from Bank of America offers trip delay coverage and travel accident insurance, which could be a valuable benefit for international travelers. It will reimburse certain expenses if your flight is delayed or canceled, including meals and lodging. Still, if accidents occur while traveling, the card provides coverage for medical emergencies or accidents, making it an ideal choice for frequent international travelers who want more protection while on their trips.
7. Flexible Options for Redeeming Your Points
Bank of America credit cards, like the Bank of America® Travel Rewards Credit Cards, offer flexible options for redeeming points. Points can be used to pay for a flight, hotel, or car rental at 1 cent per point. All of this flexibility allows you-the international traveler to apply, say, 20 of your thousands of points to a wide range of travel purchases, all while you’re abroad. Points can, of course, also be redeemed for statement credits or other things, providing diversity in how you redeem your rewards.
Why Should People Choose Bank of America Credit Cards for International Transaction?
Bank of America credit cards are best for international transactions because they include no foreign transaction fees, world acceptance, and rewards on travel purchases. The features help travelers avoid costs and gain valuable rewards on international spending, making it easier to manage expenses abroad while enjoying perks such as travel insurance and concierge services.
Does the Bank of America offer Credit Cards for International Transactions?
Yes, Bank of America has a few credit cards that are good for international use, including the Bank of America® Travel Rewards Credit Card. The card has no foreign transaction fees and earns unlimited 1.5 points per dollar spent, making frequent travel much cheaper with this card.
How Do Bank of America Credit Cards Help with International Transactions?
International transactions become easy with a Bank of America credit card because it allows no foreign transaction fees, earns travel rewards, and allows access to emergency services. These enhance the travel experience and lower the costs of foreign spending.
FAQs
Does Bank of America credit cards charge foreign transaction fees?
Some cards, like the Bank of America® Travel Rewards Credit Card, have no foreign transaction fees.
Can I earn rewards on international purchases with Bank of America cards?
Yes, cards like the Bank of America® Travel Rewards Credit Card offer rewards on all purchases, including international transactions.
Are Bank of America credit cards widely accepted internationally?
Yes, Bank of America Visa or Mastercard cards are accepted globally.
Does Bank of America provide travel insurance for international trips?
Yes, select cards like the Bank of America® Premium Rewards Credit Card offer travel insurance benefits.
Are there any additional fees for using my Bank of America card abroad?
No, several Bank of America cards, such as the Travel Rewards Credit Card, don’t charge foreign transaction fees.