How much is the Bank of America Travel Rewards Credit Card bonus actually worth?
The headline number is 25,000 online bonus points. Counting the money you tie up and the time the requirements take, it works out to about $652/hr per hour of your own time.
No annual fee, no foreign transaction fees, and the points wipe out travel charges at a flat one cent each.
The numbers, in full
| Payout | 25,000 online bonus points |
|---|---|
| What it takes | Apply through a Bank of America refer-a-friend link and spend the qualifying amount in the first 90 days. Points redeem at one cent each as a statement credit against travel and dining purchases, so 25,000 points is $250. |
| Direct deposit needed | No |
| Money tied up | None |
| Time committed | 60 days |
| Effective APY | No capital tied up |
| Per hour of your time | $652/hr |
| When it pays | 8 to 12 weeks after the spend posts |
| Offer ends | No published end date |
| Last checked | Aug 14, 2026 |
What the return actually looks like
No money of yours sits still here, so an APY would be meaningless. Judge it on pay for your time: about $652/hr for roughly under an hour of work.
Read this chart as a table
| Offer | Pay per hour | Hands-on hours |
|---|---|---|
| American Express (Gold / Platinum) | $4,174/hr | 0.38h |
| Chase Sapphire Preferred | $3,261/hr | 0.38h |
| Marriott Bonvoy Business American Express | $2,348/hr | 0.38h |
| Chase Sapphire Reserve | $2,027/hr | 0.62h |
| Chase United Explorer | $1,957/hr | 0.38h |
| Bank of America Travel Rewards (this offer) | $652/hr | 0.38h |
Open it
This link is our personal referral. It costs you nothing and often pays you more than the public page.
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