We've all either done it or dreamt of doing it. Grab a backpack and whatever money we can scrape together and head out into the open world.

Aside from the dead-giveaway backpack, it's difficult to define what a backpacker is. But having done my fair share of backpacking (across Europe and South America), I know that most of us have a few things in common:

  1. A Desire To Travel

    Who'd be backpacking if they didn't enjoy travel? Whether it's a keen interest in discovering what makes each country unique or just a chronic case of wanderlust, a love of travel unites us.
  2. A Limited Budget

    As a backpacker you want to experience the most amazing places and cultures for the longest possible time. That generally means keeping the purse-strings tight and avoiding unnecessary expenses.
  3. A Craving For Freedom

    This is the one attribute that, in my opinion, clearly separates a backpacker from a regular tourist. We want to feel free to get up and go anytime we please, while still being covered for those worst-case scenarios.

But a desire to travel and that trademark craving for freedom often seem dwarfed compared to that other backpacker attribute - a limited budget.

Back in the sixties you may have been able to get around by hitchhiking, working odd jobs on the sly and busking for change. You could try to pull that off nowadays, but the only place that's likely to get you is into trouble.

Today's backpacker is a somewhat different breed. Most of us work full-time and have limited vacations. We generally aren't content to spend those precious days off eating something out of a soup kitchen bowl, or our holiday nights sleeping in city parks. Things like comfortable hotel stays and restaurant meals have become an important part of the backpacking experience.

So is it possible to satisfy our love for travel on a tight budget? It's difficult, but not impossible. Here are a few practical ideas, from one backpacker to another, that you can use to make each dollar take you further:

  1. Save Up Miles

    Saving up miles by using a travel credit card that lets you earn rewards like points or miles when you use it is one of the easiest ways to cut the cost of flying.

    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

      Why we like it
      • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
      • Earn unlimited 2X miles per dollar on every purchase, every day
      • Fly any airline, stay at any hotel, anytime
      • Travel when you want with no blackout dates
      • Miles don't expire and there's no limit to how many you can earn
      • No foreign transaction fees
      • $0 intro annual fee for the first year; $59 after that
      • Limited Time Offer: Get a metal Venture Card when you apply today

      Regular APR

      13.49% - 23.49% (Variable)

      Annual Fee

      $0 intro for first year; $59 after that

      Credit Required

      Good, Excellent
      Why we like it
      • Earn unlimited 2X miles per dollar on every purchase, every day.
      We least like
      • No low introductory APR period.

      Regular APR

      13.49% - 23.49% (Variable)

      Annual Fee

      $0 intro for first year; $59 after that

      Credit Required

      Good, Excellent
      • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
      • Earn unlimited 2X miles per dollar on every purchase, every day
      • Fly any airline, stay at any hotel, anytime
      • Travel when you want with no blackout dates
      • Miles don't expire and there's no limit to how many you can earn
      • No foreign transaction fees
      • $0 intro annual fee for the first year; $59 after that
      • Limited Time Offer: Get a metal Venture Card when you apply today
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

      Why we like it
      • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
      • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
      • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
      • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
      • No foreign transaction fees
      • 1:1 point transfer to leading airline and hotel loyalty programs
      • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
      • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
      APPLY NOWAt Chase's secure website

      Regular APR

      16.49% - 23.49% Variable

      Annual Fee

      Introductory Annual Fee of $0 the first year, then $95

      Credit Required

      Excellent
      APPLY NOWAt Chase's secure website
      Why we like it
      • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
      • 1:1 point transfer to leading airline and hotel loyalty programs.

      Regular APR

      16.49% - 23.49% Variable

      Annual Fee

      Introductory Annual Fee of $0 the first year, then $95

      Credit Required

      Excellent
      • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
      • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
      • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
      • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
      • No foreign transaction fees
      • 1:1 point transfer to leading airline and hotel loyalty programs
      • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
      • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
      APPLY NOWAt Chase's secure website

    • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.

      Why we like it
      • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
      • Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically.
      • Redeem your rewards in any amount for cash or a travel credit. You'll always get $1 for every 100 Miles you've earned.
      • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
      • 100% U.S. based customer service. Talk to a real person any time.
      • No Annual Fee.
      • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
      APPLY NOWAt Discover's secure website

      Intro APR

      0% on purchases and 10.99% on balance transfers for 14 months

      Regular APR

      11.49% - 23.49% Variable

      Annual Fee

      $0

      Credit Required

      Good, Excellent
      APPLY NOWAt Discover's secure website
      Why we like it
      • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
      We least like
      • Not yet widely accepted outside of the U.S.

      Intro APR

      0% on purchases and 10.99% on balance transfers for 14 months

      Regular APR

      11.49% - 23.49% Variable

      Annual Fee

      $0

      Credit Required

      Good, Excellent
      • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
      • Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically.
      • Redeem your rewards in any amount for cash or a travel credit. You'll always get $1 for every 100 Miles you've earned.
      • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
      • 100% U.S. based customer service. Talk to a real person any time.
      • No Annual Fee.
      • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
      APPLY NOWAt Discover's secure website

    I would recommend you use a card that lets you earn rewards on all your purchases, as you can then earn rewards just by paying the rent, buying groceries, gas, paying recurring bills as well as on your other spending.

  2. Ride Sleeper Trains

    Sure, bus tickets run a lot cheaper, but they can be an expensive bargain. Just check out the look on any budget traveler's face when you mention a long bus ride. Unless you are narcoleptic, you will probably find it impossible to get a decent sleep on a bus. So you will have to pay for a hotel or youth hostel stay when you get where you are going.

    A sleeper wagon is like a bus and hotel rolled into one. You get a good night's rest and get where you want to go at the same time. You don't lose time traveling and in most cases, you arrive smack in the middle of the city you want to visit. When you look at it that way, it offers a real bargain compared to taking the bus or renting a car. If you book in advance (this can usually be done online), you can get very decent prices on overnight train rides. Most European railways run overnight trains between major cities.

    For example, Deutsche Bahn (German railways) offers couchette cars on their City Night Line (Munich - Venice, Amsterdam - Zurich, Cologne - Prague and many more routes). Women can request a women-only cabin. International tickets start at €60 (around $67), and you'll have a tough time finding a bus trip plus a place to stay for that money anywhere in western Europe.

    But you aren't limited to Europe. Many railways in Asia, South America and Africa offer overnight sleeper cars which, though sometimes a bit quaint, offer good value for money. The Shosholoza Meyl railway in South Africa, for example, offers secure tourist class overnight sleeper trains (complete with dining car and 2-berth cabins) between Cape Town and Johannesburg (870 miles) for just 630 Rand, which is only around $50 these days.

  3. Book (Way) Ahead Of Time

    However you decide to travel, you will almost always save money by booking far in advance. Doing this also ensures that you get the travel arrangements that suit you best.

    Flights are an obvious candidate for early booking, but trains and buses sometimes offer even higher relative savings to early bookers. The same thing goes for hotels or youth hostels, tours, and even some restaurants.

    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

      Why we like it
      • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
      • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
      • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
      • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
      • No foreign transaction fees
      • 1:1 point transfer to leading airline and hotel loyalty programs
      • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
      • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
      APPLY NOWAt Chase's secure website

      Regular APR

      16.49% - 23.49% Variable

      Annual Fee

      Introductory Annual Fee of $0 the first year, then $95

      Credit Required

      Excellent
      APPLY NOWAt Chase's secure website
      Why we like it
      • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
      • 1:1 point transfer to leading airline and hotel loyalty programs.

      Regular APR

      16.49% - 23.49% Variable

      Annual Fee

      Introductory Annual Fee of $0 the first year, then $95

      Credit Required

      Excellent
      • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
      • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
      • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
      • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
      • No foreign transaction fees
      • 1:1 point transfer to leading airline and hotel loyalty programs
      • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
      • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
      APPLY NOWAt Chase's secure website

    Today we have the privilege of being able to book a lot of the basics online. Using the right credit card to pay for your travel bookings can help you get even more savings.

  4. Skip The ATM Fees

    If you stick to major cities and spend mostly at big tourist restaurants and big supermarkets. then you can save a lot of money by using a no-foreign-transaction-fee credit card to pay for purchases.

    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

      Why we like it
      • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
      • Earn unlimited 2X miles per dollar on every purchase, every day
      • Fly any airline, stay at any hotel, anytime
      • Travel when you want with no blackout dates
      • Miles don't expire and there's no limit to how many you can earn
      • No foreign transaction fees
      • $0 intro annual fee for the first year; $59 after that
      • Limited Time Offer: Get a metal Venture Card when you apply today

      Regular APR

      13.49% - 23.49% (Variable)

      Annual Fee

      $0 intro for first year; $59 after that

      Credit Required

      Good, Excellent
      Why we like it
      • Earn unlimited 2X miles per dollar on every purchase, every day.
      We least like
      • No low introductory APR period.

      Regular APR

      13.49% - 23.49% (Variable)

      Annual Fee

      $0 intro for first year; $59 after that

      Credit Required

      Good, Excellent
      • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
      • Earn unlimited 2X miles per dollar on every purchase, every day
      • Fly any airline, stay at any hotel, anytime
      • Travel when you want with no blackout dates
      • Miles don't expire and there's no limit to how many you can earn
      • No foreign transaction fees
      • $0 intro annual fee for the first year; $59 after that
      • Limited Time Offer: Get a metal Venture Card when you apply today

    • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.

      Why we like it
      • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
      • Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically.
      • Redeem your rewards in any amount for cash or a travel credit. You'll always get $1 for every 100 Miles you've earned.
      • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
      • 100% U.S. based customer service. Talk to a real person any time.
      • No Annual Fee.
      • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
      APPLY NOWAt Discover's secure website

      Intro APR

      0% on purchases and 10.99% on balance transfers for 14 months

      Regular APR

      11.49% - 23.49% Variable

      Annual Fee

      $0

      Credit Required

      Good, Excellent
      APPLY NOWAt Discover's secure website
      Why we like it
      • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
      We least like
      • Not yet widely accepted outside of the U.S.

      Intro APR

      0% on purchases and 10.99% on balance transfers for 14 months

      Regular APR

      11.49% - 23.49% Variable

      Annual Fee

      $0

      Credit Required

      Good, Excellent
      • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
      • Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically.
      • Redeem your rewards in any amount for cash or a travel credit. You'll always get $1 for every 100 Miles you've earned.
      • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
      • 100% U.S. based customer service. Talk to a real person any time.
      • No Annual Fee.
      • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
      APPLY NOWAt Discover's secure website

    But as a backpacker you will probably want to get off the tourist path, and that is where you will usually need cash. Of course you don't want to carry cash for your entire trip around with you, and changing dollars to foreign currency can be an expensive affair. So most of us use our card to withdraw local currency from ATMs as we go. This tends to work out a bit cheaper than cash exchange offices, but still will cost you around $5 every time you make a withdrawal. Many ATMs limit withdrawals to as little as $100, so those withdrawal fees can be a killer.

    One way to avoid this fee is by only using ATMs from your bank's partners. The Global ATM Alliance is an example of an international ATM network. If you have an account at Bank of America, you can withdraw money using your ATM card or debit card at ATMs from these banks without paying international ATM access fees (some other fees may still apply, depending on the bank):

    1. Deutsche Bank (common in Germany, but also found in Spain, Poland, Portugal, Belgium and India).
    2. Barclays (common in the United Kingdom (England), but you can find ATMs in France, Spain, Portugal, Pakistan, Gibraltar, Ghana, Kenya, Tanzania, Botswana, and other countries in Africa).
    3. BNP Paribas (common in France, though you will find ATMs in other countries).
    4. Banca Nazionale del Lavoro (Italy).
    5. Scotiabank (Canada, Mexico, Chile, Peru, Guyana, and the Caribbean).
    6. Westpac (Australia, New Zealand, Samoa, Tonga, Papua New Guinea, Solomon Islands, Fiji, Vanuatu and Cook Islands).
    7. ABSA (widely available in South Africa, but also found in other African countries).
    8. BNP Paribas Ukrsybbank (Ukraine).

    Check if your bank is part of a similar ATM network and try to stick to ATMs from banks in that network to avoid paying international ATM access fees.

The further your money goes, the longer you can enjoy traveling the world. Of course these are just a few tricks learned from many summers spent backpacking. You probably have a bag of tricks of your own which you can share in the comments below.

Here are some of my favorite travel credit cards that help you get more bang for your buck.

  • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.

    Why we like it
    • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
    • Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically.
    • Redeem your rewards in any amount for cash or a travel credit. You'll always get $1 for every 100 Miles you've earned.
    • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
    • 100% U.S. based customer service. Talk to a real person any time.
    • No Annual Fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
    APPLY NOWAt Discover's secure website

    Intro APR

    0% on purchases and 10.99% on balance transfers for 14 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Discover's secure website
    Why we like it
    • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
    We least like
    • Not yet widely accepted outside of the U.S.

    Intro APR

    0% on purchases and 10.99% on balance transfers for 14 months

    Regular APR

    11.49% - 23.49% Variable

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
    • Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically.
    • Redeem your rewards in any amount for cash or a travel credit. You'll always get $1 for every 100 Miles you've earned.
    • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
    • 100% U.S. based customer service. Talk to a real person any time.
    • No Annual Fee.
    • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
    APPLY NOWAt Discover's secure website
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®

    Why we like it
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
    • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
    APPLY NOWAt Chase's secure website

    Regular APR

    16.49% - 23.49% Variable

    Annual Fee

    Introductory Annual Fee of $0 the first year, then $95

    Credit Required

    Excellent
    APPLY NOWAt Chase's secure website
    Why we like it
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
    • 1:1 point transfer to leading airline and hotel loyalty programs.

    Regular APR

    16.49% - 23.49% Variable

    Annual Fee

    Introductory Annual Fee of $0 the first year, then $95

    Credit Required

    Excellent
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
    • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
    APPLY NOWAt Chase's secure website
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

    Why we like it
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that
    • Limited Time Offer: Get a metal Venture Card when you apply today

    Regular APR

    13.49% - 23.49% (Variable)

    Annual Fee

    $0 intro for first year; $59 after that

    Credit Required

    Good, Excellent
    Why we like it
    • Earn unlimited 2X miles per dollar on every purchase, every day.
    We least like
    • No low introductory APR period.

    Regular APR

    13.49% - 23.49% (Variable)

    Annual Fee

    $0 intro for first year; $59 after that

    Credit Required

    Good, Excellent
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don't expire and there's no limit to how many you can earn
    • No foreign transaction fees
    • $0 intro annual fee for the first year; $59 after that
    • Limited Time Offer: Get a metal Venture Card when you apply today
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases

    Why we like it
    • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
    • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
    • 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
    • Comes with chip technology for enhanced security and protection at chip-enabled terminals
    • 0% Introductory APR for 12 billing cycles for purchases, then 15.49% - 23.49% Variable APR
    • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
    • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%.
    APPLY NOWAt Bank of America's secure website
    or Call 800-335-4319 or Call 866-408-2765

    Intro APR

    0% Introductory APR for 12 billing cycles for purchases

    Regular APR

    15.49% - 23.49% Variable APR

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    APPLY NOWAt Bank of America's secure website
    or Call 800-335-4319 or Call 866-408-2765
    Why we like it
    • Earn unlimited 1.5 points per $1 spent on all purchases.
    • With no annual fee and no foreign transaction fees and your points don't expire.

    Intro APR

    0% Introductory APR for 12 billing cycles for purchases

    Regular APR

    15.49% - 23.49% Variable APR

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
    • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
    • 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 flights, hotels, vacation packages, cruises, rental cars, or baggage fees
    • Comes with chip technology for enhanced security and protection at chip-enabled terminals
    • 0% Introductory APR for 12 billing cycles for purchases, then 15.49% - 23.49% Variable APR
    • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
    • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%.
    APPLY NOWAt Bank of America's secure website
    or Call 800-335-4319 or Call 866-408-2765
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel

    Why we like it
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 12.49%-22.49% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles don't expire and there's no limit to how many you can earn

    Intro APR

    0% intro on purchases for 12 months

    Regular APR

    12.49% - 22.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    Why we like it
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee.
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel.

    Intro APR

    0% intro on purchases for 12 months

    Regular APR

    12.49% - 22.49% (Variable)

    Annual Fee

    $0

    Credit Required

    Good, Excellent
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 12.49%-22.49% variable APR after that
    • Travel when you want with no blackout dates
    • No foreign transaction fees
    • Miles don't expire and there's no limit to how many you can earn

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