The Bank of America Travel Rewards is a personal credit card from Bank of America Travel Rewards. Application typically pulls a hard report from Experian. The annual fee is none. The ongoing APR is 17.49%–27.49% variable after a 0% introductory rate for 15 months. Approval typically requires a credit score of 700+ or higher. Rewards: 1.5x points on every purchase. No foreign transaction fees. 25,000 bonus points after spending $1,000 in first 90 days.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Bank of America enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card..