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2 Great Balance Transfer Cards That Also Earn Travel Rewards of October 2026
October, 2026Many balance transfer cards don't earn rewards, and few travel cards offer a 0% intro APR on transfers. These 2 cards do both. They may not have the longest intro periods or the richest travel rewards on their own, but together they give you time to pay down a balance while you earn toward your next trip.
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What to know before choosing a balance transfer card with travel rewards
Pay down the balance first. The intro APR is the main way these cards save you money. Rewards are worth far less than the interest you'd pay on a balance that's still there when the intro period ends.
Watch the transfer fee and deadline. Both cards charge a fee on each transfer, and the intro rate only applies to balances moved within a set window after you open the account.
Think about how you travel. Flexible points you can use on any travel suit people who book many kinds of trips. Airline miles make the most sense if you already fly that airline.
Consider foreign transaction fees. If you travel abroad, a card without them saves you a few percent on every purchase.
See your approval odds
No impact to your credit score. We don't save any of the information used to generate your approval odds.
Our pick for: Intro APR + flexible travel points
Apply Nowon Bank of America's websiteon Bank of America's websiteBalance transfer intro APR0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 daysPurchase intro APR0% intro APR on Purchases for 15 billing cyclesRegular APR17.74%-27.74% Variable APRAnnual fee$0Rewards rate1.5x-3xPointsIntro offer25,000pointsRecommended credit score690-850(Good - Excellent)Rewards breakdown
3xPoints per $1 spent on travel purchases booked through BofA Travel.1.5xPoints per $1 spent on everyday purchases.Card details
- 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.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through BofA Travel.
- Turn daily purchases into everyday wins. Simply use your Travel Rewards credit card for the things you already buy - from gifts to getaways - BofA Rewards™ members earn more points.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem 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.
- 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 Variable APR that’s currently 17.74% - 27.74% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
NerdWallet's take
The Bank of America® Travel Rewards credit card gives you a 0% intro period on transfers and purchases, then keeps working as a simple travel card with no annual fee and no foreign transaction fees. It's a good fit if you want one card to pay down debt now and cover trips later.
Read full reviewPros0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days, and on purchases: 0% intro APR on Purchases for 15 billing cycles.
Rewards: Earn 3 points per $1 spent on travel purchases booked through BofA Travel. Earn unlimited 1.5 points per $1 spent on everyday purchases and your points don't expire as long as your account remains open.
Redeem points as a statement credit for travel and dining purchases, from flights and hotels to takeout.
Bonus offer: 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.
No foreign transaction fees and $0 annual fee.
ConsThe intro rate applies only to balances transferred in the first 60 days.
Balance transfer fee: 3% for 60 days from account opening, then 5%.
Points are less flexible than straight cash back.
Our pick for: Intro APR on transfers + American Airlines miles
Apply Nowon Citibank's applicationon Citibank's applicationBalance transfer intro APR0% intro APR on balance transfers for 15 monthsPurchase intro APRN/ARegular APR19.74%-29.74% Variable APRAnnual fee$0Rewards rate1x-2xMilesIntro offer15,000 Miles + $100 Statement CreditRecommended credit score690-850(Good - Excellent)Card details
- Earn 15,000 American Airlines AAdvantage® bonus miles and a $100 statement credit after making $1,000 in purchases within the first 3 months of account opening.
- 0% Intro APR for 15 months from date of account opening for balance transfers only. After that the variable APR will be 19.74% - 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- Balance transfer fee of either $5 or 5% of the amount of each credit card balance transfer, whichever is greater. Balance Transfers must be completed within 4 months of account opening.
- No Annual Fee
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
- View Rates & Fees
NerdWallet's take
The American Airlines AAdvantage® MileUp® Card is for people who fly American Airlines and want time to pay down a balance. It's light on airline perks, but it earns miles with no annual fee while your debt shrinks.
Read full reviewPros0% intro APR on balance transfers for 15 months.
Earns American Airlines AAdvantage miles, with extra at grocery stores and on eligible American Airlines purchases.
Bonus offer: Earn 15,000 American Airlines AAdvantage® bonus miles and a $100 statement credit after making $1,000 in purchases within the first 3 months of account opening.
Annual fee: $0.
ConsThe intro APR applies to balance transfers only, not new purchases, and transfers must be completed within four months.
Balance transfer fee: 5% of each balance transfer; $5 minimum.
No free checked bags, and a foreign transaction fee of 3%.
Compare the Best Balance Transfer Travel Credit Cards
| Credit card | NerdWallet rating | Intro APR | Regular APR | Rewards rate | Learn more |
|---|---|---|---|---|---|
| Bank of America® Travel Rewards credit card Apply Nowon Bank of America's website on Bank of America's website | Best for Intro APR + flexible travel points | 0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days | 17.74%-27.74% Variable APR | 1.5x-3x | Apply Nowon Bank of America's website on Bank of America's website |
| American Airlines AAdvantage® MileUp® Card Apply Nowon Citibank's application on Citibank's application | Best for Intro APR on transfers + American Airlines miles | 0% intro APR on balance transfers for 15 months | 19.74%-29.74% Variable APR | 1x-2x | Apply Nowon Citibank's application on Citibank's application |
