Competition is fierce in the world of travel credit cards. These cards run the gamut — from top-tier offerings that charge hundreds of dollars each year to no-fee cards with limited rewards. Among your many options, the Bank of America® Travel Rewards credit card provides simple earnings and easy redemptions.

Explore five things to know before getting the Bank of America® Travel Rewards credit card and figure out whether it's a good fit for you.

What to know before getting the Bank of America® Travel Rewards credit card

1. The welcome offer

Welcome offers are a way for card issuers to entice you as a customer. Plenty of credit cards offer these bonuses, including the Bank of America® Travel Rewards credit card. Once you’ve qualified for the card, you’ll be able to earn 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.

Combined with the $1,000 you’ll need to spend to earn the sign-up bonus, you’ll come out with 26,500 points in your account. This is because of the earning structure that the card offers, which we’ll discuss next.

2. The bonus points

Once you’ve earned your welcome offer, you’ll want to keep earning points to redeem for travel. Different cards can offer complicated earnings structures based on the category of purchases you make. These can include additional bonuses for spending on restaurants, U.S. grocery stores and travel, while limiting the points you’ll earn for other purchases.

The Bank of America® Travel Rewards credit card does away with this by giving you a flat 1.5 points per dollar spent on nearly all purchases, regardless of what you’re buying. The only difference is for travel purchased through the Bank of America®️ Travel Center. Purchases made in this online booking platform earn 3 points per dollar spent, and there's no limit on the amount of points you can earn each year.

While using this card means you’ll possibly sacrifice the ability to earn bonus points by spending in specific categories with other cards, it also gives you the ease of simplicity; you’ll never have to calculate which card to pull out at checkout.