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By P. Griffiths
Last Updated Oct 1, 2025

One of the Best Offers We’ve Ever Seen

Pay No Interest for 15 Months Plus Earn a Bonus Worth $250

Apply Now
On Bank of America’s secure site
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Competition in the credit card space is heating up and card issuers are offering incredible perks to consumers with good to excellent credit to win your business. Our top-rated cards are all offering amazing ongoing rewards, welcome bonuses and long intro APR periods.

Our Critics’ Choice winner is the Bank of America® Travel Rewards credit card which offers an incredibly long list of rewards, perks and benefits.

  • Long Intro APR: 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.99% - 27.99% Variable APR will apply.
  • An Enticing Bonus: Earn 25,000 online bonus points (redeemable for a $250 statement credit towards travel or dining purchases) after you make at least $1,000 in purchases in the first 90 days of account opening.
  • $0 Annual Fee
  • Earn an unlimited 1.5 points per $1 spent on all of your purchases.
  • Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
  • No foreign transaction fees.
  • Apply Now

Unlike most travel cards the Bank of America® Travel Rewards credit card offers a generous intro APR on both purchases and balance transfers. It’s a long intro APR on a $0 annual fee card that also offers rewards. You’ll get a 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.99% - 27.99% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. However, these fees are likely much lower than the interest you are paying on another card. The ongoing APR will apply after that intro period is over so it’s good to make a budget and pay that balance down within 15 billing cycles if possible.

The Bank of America® Travel Rewards credit card is our top choice for a long intro APR plus a bonus.
Apply Now
on Bank of America's secure site

You will earn 25,000 online bonus points after you spend at least $1,000 in purchases in the first 90 days of account opening. These points can be redeemed for a $250 statement credit toward travel or dining purchases.

With the Bank of America® Travel Rewards credit card you will earn an unlimited 1.5 points per $1 spent on all of your purchases. You can redeem your points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout. There is no limit to the points you can earn and points don’t expire as long as your account remains open. You can also earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Bank of America Preferred Rewards® program members can accelerate their rewards earnings by 25% to 75%. Your eligibility for this program is based on your Bank of America® and Merrill combined balances. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could also earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.

Bank of America® Travel Rewards credit card

Purchase & Balance Transfer APR
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends a 17.99% – 27.99% Variable APR will apply.
Welcome Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases
Rewards
1.5x – 3x Points 1.5 points per $1 spent on all purchases.

3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

If you’re a Bank of America Preferred Rewards® member, you can earn 25% – 75% more points on every purchase.
Balance Transfer Fee
3% for 60 days from account opening, then 4%
Annual Fee
$0
Recommended Credit Score
Excellent/Good (670 – 850*)
View All Card Details

If you are in the market for a card that offers an intro APR, a bonus, ongoing rewards, and doesn’t charge an annual fee then the Bank of America® Travel Rewards credit card is tough to beat. Since it is always good to compare your top options, we have rounded up some other compelling cards that may appeal to you as well.

Earn Unlimited 3X Rewards on Restaurants, Travel, Gas & More

Apply Now
On Wells Fargo’s secure site
Recommended Credit Score
670 – 850*
View All Card Details

Wells Fargo Autograph® Card

This $0 annual fee credit card is a top-rated rewards card that offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. There are no caps to worry about and no rewards calendars to keep track of. Plus you will also earn 1X on your other purchases. New card members can also earn an impressive 20,000-point welcome bonus after spending $1,000 in purchases in the first three months. This bonus has a $200 cash redemption value! In addition to the cash redemption option, you can also redeem your rewards for travel, gift cards, and more. And while there is no intro APR offer for balance transfers it does offer a 0% intro APR for 12 months from account opening on purchases, followed by a 18.99%, 23.99%, or 28.99% Variable APR.

Bonus Worth $300 In Travel + No Annual Fee

Apply Now
On Capital One’s secure site
Recommended Credit Score
670 – 850*
View More Card Details

Capital One VentureOne Rewards Credit Card

There are a ton of options in the market today for travel rewards cards, but the Capital One VentureOne Rewards Credit Card is one you should seriously consider. You will earn rewards quickly with unlimited 1.25x miles per dollar on all purchases and 5x miles per dollar when you book your car rentals, vacation rentals and hotel stays through Capital One Travel. For a limited time, earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel. While you’ll get the most out of your miles by redeeming them for travel, there are several other options to cash in your rewards making it an extremely flexible program and one of the best travel rewards programs out there with over 15 direct transfer partners. A 0% intro on purchases and balance transfers for 15 months, then 18.99% – 28.99% (Variable) APR will apply on this $0 annual fee card.

Great For Everyday Spending – Especially Groceries

Apply Now
On American Express’s secure site
Recommended Credit Score
Good – Excellent
Rates and Fees | Terms Apply
View All Card Details

Blue Cash Preferred® Card from American Express

It is important to understand that when it comes to credit cards the only way to really take your earning potential to the next level is to choose a card with an annual fee. The Blue Cash Preferred® Card from American Express (a CardCritics™ advertiser) is an excellent example since the ongoing perks and rewards quickly justify the $95 annual fee which is $0 your first year. You will earn a massive 6% back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 6% back on select U.S. streaming subscriptions, and 3% back at U.S. gas stations and on transit. All of your other eligible purchases will earn you 1% back. To sweeten the deal, you can earn a $250 welcome offer after you spend $3,000 in purchases on your new card within the first 6 months. It also offers 0% intro APR on purchases and on balance transfers for 12 months from the date of account opening, then 19.99%-28.99% Variable APR.

As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.