Target REDcard vs Bank of America Travel Rewards

Product Comparison
January 18, 2021

Bank of America Travel Rewards vs Target REDcard: Side-by-Side Comparison

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Target REDcard vs. Bank of America Travel Rewards: Side-by-Side Comparison
Winner
Target REDcard
Criteria
Bank of America Travel Rewards
Winner
3.9
Overall Score
Overall Score
4.7
Overall Score
0.0 stars – View deals >
Pricing
0.0 stars – View deals >
5.0 stars – 2 reviews
5.0 stars – 1 review
5.0 stars – 2 reviews
5.0 stars – 1 review
4.3 stars – 3 reviews
Additional Bonuses
5.0 stars – 2 reviews
4.0 stars – 2 reviews
4.5 stars – 2 reviews
5.0 stars – 1 review
Security Features
5.0 stars – 1 review
1.0 stars – 1 review
Cash Advance Cost
3.0 stars – 1 review
1.0 stars – 1 review
3.0 stars – 1 review
3.0 stars – 1 review
Return Check Fee
3.0 stars – 1 review
1.0 stars – 1 review
Damage and Loss Protection
5.0 stars – 1 review
1.0 stars – 1 review
Extended Warranty Protection
5.0 stars – 1 review
2.0 stars – 1 review
Foreign Transaction Costs
5.0 stars – 1 review
3.0 stars – 1 review
Contactless Payment
5.0 stars – 1 review
1.0 stars – 1 review
Debt Transfer Fees
3.0 stars – 1 review
2.0 stars – 1 review
Card Quality
0.0 stars – 0 reviews
Target REDcard
   
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Target REDcard vs. Bank of America Travel Rewards: Comparison Details

Best Cost – Tie
5.0 stars

For the perks that you get as a Target customer, this is a great card because there is no annual fee.

Last reviewed January 20, 2020. Read all 2 no annual fee reviews.

5.0 stars

Yes, Bank of America Travel Rewards does offer no annual fee. You can find additional information about Bank of America Travel Rewards's cost on their customer service page here. You can also visit their homepage to see if Bank of America Travel Rewards has posted additional information on their cost.

Last reviewed February 6, 2020. Read all 2 no annual fee reviews.

Target REDcard
   
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Best Rewards – Tie
5.0 stars

While you do have perks with the Target REDcard, you don't earn any points that can be redeemed for rewards, so that makes it less desirable than a lot of cards that have similar benefits but better rewards programs.

Last reviewed January 20, 2020. Read all 2 sign up bonus reviews.

5.0 stars

Yes, Bank of America Travel Rewards does offer sign up bonus. You can find additional information about Bank of America Travel Rewards's rewards on their customer service page here. You can also visit their homepage to see if Bank of America Travel Rewards has posted additional information on their rewards.

Last reviewed February 6, 2020. Read all 2 sign up bonus reviews.

Target REDcard
   
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Best Additional Bonuses – Winner: Bank of America Travel Rewards
4.0 stars

5% discount on all eligible Target purchases, 10% discount coupon each year on your card anniversary, 30 extra days for returns, The downside is, is that there is no rewards program for this card.

Last reviewed January 20, 2020. Read all 4 perks reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Bank of America Travel Rewards' website, Bank of America Travel Rewards performs very well in terms of perks relative to other travel credit card stores.

The review site nextadvisor.com gives Bank of America Travel Rewards excellent ratings for perks in a review posted on its website. Specifically, this reviewer pointed out the following:

As an added perk, Bank of America® Travel Rewards Visa® credit card customers with a qualifying Bank of America Preferred Rewards Gold, Platinum or Platinum Honors account will earn even more of a bonus — from 25% to 75% bonus on every purchase! Cardholders will also benefit from no foreign transaction fees when they travel outside the United States.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for perks, or the overall best-performing travel credit card stores on our main review grid.

Looking for Bank of America Travel Rewards coupons? Check out the latest deals here. Want more reviews on Bank of America Travel Rewards? Read a more in-depth review of Bank of America Travel Rewards on this page.

Last reviewed November 26, 2019. Read all 3 perks reviews.

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Best APR – Winner: Bank of America Travel Rewards
4.0 stars

The ongoing APR is 25.15% Variable. I'm lucky where I don't carry a balance on my card, but if you do, the charges could start to snowball and you could end up paying a lot more than the benefits of the card give you are worth.

Last reviewed January 20, 2020. Read all 3 interest rates reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Bank of America Travel Rewards' website, Bank of America Travel Rewards performs very well in terms of interest rates relative to other travel credit card stores.

One reviewer on wallethub.com said Bank of America Travel Rewards performs well on interest rates relative to its peers. You can read the full review here. From this review:

The BankAmericard Travel Rewards Credit Card is one of the best cards I have seen to date. The points earned are phenomenal at 1.5 – 3 per dollar spent. The interest rate is very competitive at about 15% to 23%. Most cards I’ve seen are 19% to 24%. Their late fees are about average but they offer an extended grace period of 25 days! The cash advance interest rate is competitive with cards I have previously used at 24.99%. My last card was 36%. The overdraft protection helps prevent embarrassing situations at the register too.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for interest rates, or the overall best-performing travel credit card stores on our main review grid.

Looking for Bank of America Travel Rewards coupons? Check out the latest deals here. Want more reviews on Bank of America Travel Rewards? Read a more in-depth review of Bank of America Travel Rewards on this page.

Last reviewed November 26, 2019. Read all 3 interest rates reviews.

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Best Security Features – Tie
5.0 stars

Based on reviews posted on popular review sites as well as from Target REDcard's website, Target REDcard performs very well in terms of security features relative to other credit card stores.

Based on information published by Target REDcard, they have excellent support for security features on a page posted on their website. Here's a snippet from the information published on their site:

Target takes a proactive approach to fighting fraud and identity theft. If a transaction or RedCard (Target Mastercard, Target Credit Card or Target Debit Card) application looks suspicious, we may call you to verify that you have authorized the application or transaction. For some online account changes or other changes to your RedCard account, you may be prompted to provide additional information about yourself, your account or your RedCard. This helps reduce the risk of fraud and the possibility of identity theft.

The review site thefinancebuff.com gives Target REDcard excellent ratings for security features in a review posted on its website. From this review:

Target RED Card debit cards saw zero fraud because they must use a PIN. Other cards would be made more secure if they also must use a PIN. Unfortunately those other cards all allow charging without a PIN.

Learn more at the company's website.

You can also check out the top 10 credit card stores for security features, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 fraud protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Bank of America Travel Rewards' website, Bank of America Travel Rewards performs very well in terms of security features relative to other travel credit card stores.

Based on information published by Bank of America Travel Rewards, they have excellent support for security features on a page posted on their website. Here's a snippet from the information published on their site:

We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for security features, or the overall best-performing travel credit card stores on our main review grid.

Looking for Bank of America Travel Rewards coupons? Check out the latest deals here. Want more reviews on Bank of America Travel Rewards? Read a more in-depth review of Bank of America Travel Rewards on this page.

Last reviewed February 6, 2020. Read all 2 fraud protection reviews.

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Best Cash Advance Cost – Winner: Bank of America Travel Rewards
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of cash advance cost when compared to other credit card stores.

Based on one review posted on moneycrashers.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Here's a brief quote from this review:

No Balance Transfers or Cash Advances. You can’t make balance transfers or draw cash advances with your Target REDcard. That’s a drawback relative to most cash back credit cards, including Chase Freedom.

Based on one review posted on wallethub.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Specifically, this reviewer pointed out the following:

You can't get cash advances with your Target Credit Card, unless you have been upgraded to the Mastercard version, which you can use anywhere that takes Mastercard, including virtually all ATMs. You can’t apply for that card directly. Once you have the Target REDcard Credit Card, it might be offered to you as an upgrade.

Learn more at the company's website.

You can also check out the top 10 credit card stores for cash advance cost, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 cash advance fees reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Bank of America Travel Rewards' website, Bank of America Travel Rewards performs average to better than average in terms of cash advance cost compared to other travel credit card stores.

Based on a review posted on bankofamerica.com, Bank of America Travel Rewards was rated as fairly average for cash advance cost relative to competing travel credit card stores. Check out the entire review here. Here's a brief quote from this review:

Direct Deposit and Check Cash Advances: Either $10 or 3% of the amount of each transaction, whichever is greater. ATM, Over-the-Counter, Same-Day Online and Cash Equivalent. Cash Advances: Either $10 or 5% of the amount of each transaction, whichever is greater.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for cash advance cost, or the overall best-performing travel credit card stores on our main review grid.

Looking for Bank of America Travel Rewards coupons? Check out the latest deals here. Want more reviews on Bank of America Travel Rewards? Read a more in-depth review of Bank of America Travel Rewards on this page.

Last reviewed February 6, 2020. Read all 2 cash advance fees reviews.

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Best Late Fees – Winner: Bank of America Travel Rewards
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of late fees when compared to other credit card stores.

Based on one review posted on upgradedpoints.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. Here's a brief quote from this review:

Target states users will pay a late fee of $24 when any amount due remains unpaid after the payment due date. All subsequent late fees will be $38 until you reach the minimum required payment by the due date for 6 consecutive billing periods.

Based on one review posted on magnifymoney.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. From this review:

Late payment fees run up to $38. Returned payment fees run up to $27. If you miss a payment, are late on a payment, or only pay the minimum balance, your 5% savings will be automatically negated.

Learn more at the company's website.

You can also check out the top 10 credit card stores for late fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 late payment fees reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Bank of America Travel Rewards' website, Bank of America Travel Rewards performs average to better than average in terms of late fees compared to other travel credit card stores.

Based on a review posted on bankofamerica.com, Bank of America Travel Rewards was rated as fairly average for late fees relative to competing travel credit card stores. Check out the entire review here. From this review:

Up to $39

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for late fees, or the overall best-performing travel credit card stores on our main review grid.

Looking for Bank of America Travel Rewards coupons? Check out the latest deals here. Want more reviews on Bank of America Travel Rewards? Read a more in-depth review of Bank of America Travel Rewards on this page.

Last reviewed February 6, 2020. Read all 2 late payment fees reviews.

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Best Return Check Fee – Tie
3.0 stars

Based on ratings published by trusted online review sites as well as information from Target REDcard's website, Target REDcard performs average to better than average in terms of return check fee compared to other credit card stores.

Based on a review posted on investopedia.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

There is also a late payment fee of up to $38 and a return payment fee of $27.

Based on a review posted on smartasset.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. From this review:

Returned Payment: Up to $28

Based on a review posted on finder.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

Late payments come with fees of up to $39 and returned payments have fees of up to $28.

Learn more at the company's website.

You can also check out the top 10 credit card stores for return check fee, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 returned payment fees reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Bank of America Travel Rewards' website, Bank of America Travel Rewards performs average to better than average in terms of return check fee compared to other travel credit card stores.

Based on a review posted on bankofamerica.com, Bank of America Travel Rewards was rated as fairly average for return check fee relative to competing travel credit card stores. Check out the entire review here. Here's a brief quote from this review:

Up to $28

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for return check fee, or the overall best-performing travel credit card stores on our main review grid.

Looking for Bank of America Travel Rewards coupons? Check out the latest deals here. Want more reviews on Bank of America Travel Rewards? Read a more in-depth review of Bank of America Travel Rewards on this page.

Last reviewed February 6, 2020. Read all 2 returned payment fees reviews.

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Best Damage and Loss Protection – Winner: Bank of America Travel Rewards
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of damage and loss protection when compared to other credit card stores.

Based on one review posted on target.com, it appears that Target REDcard received poor ratings for damage and loss protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for damage and loss protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 purchase protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Bank of America Travel Rewards' website, Bank of America Travel Rewards performs very well in terms of damage and loss protection relative to other travel credit card stores.

The review site creditcards.com gives Bank of America Travel Rewards excellent ratings for damage and loss protection in a review posted on its website. Specifically, this reviewer pointed out the following:

Other Notable Features: No foreign transaction fees, Visa Signature benefits, EMV chip card with the ability to add a PIN for international travel, car rental insurance, roadside dispatch, lost luggage insurance, concierge services, purchase security

The review site wallethub.com gives Bank of America Travel Rewards excellent ratings for damage and loss protection in a review posted on its website. Here's a brief quote from this review:

There's no generic Bank of America purchase protection coverage. Bank of America offers many cards for different credit tiers. But the average Bank of America credit card will ensure repair/replacement/reimbursement for an eligible item purchased with the card that is stolen or damaged within 90 days of purchase. You can get up to $10,000 per claim.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for damage and loss protection, or the overall best-performing travel credit card stores on our main review grid.

Looking for Bank of America Travel Rewards coupons? Check out the latest deals here. Want more reviews on Bank of America Travel Rewards? Read a more in-depth review of Bank of America Travel Rewards on this page.

Last reviewed February 6, 2020. Read all 2 purchase protection reviews.

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Best Extended Warranty Protection – Winner: Bank of America Travel Rewards
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of extended warranty protection when compared to other credit card stores.

Based on one review posted on birchfinance.com, it appears that Target REDcard received poor ratings for extended warranty protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for extended warranty protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 extended warranty protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Bank of America Travel Rewards' website, Bank of America Travel Rewards performs very well in terms of extended warranty protection relative to other travel credit card stores.

The review site creditcards.com gives Bank of America Travel Rewards excellent ratings for extended warranty protection in a review posted on its website. From this review:

Features include: Extended Warranty Program

The review site wallethub.com gives Bank of America Travel Rewards excellent ratings for extended warranty protection in a review posted on its website. From this review:

Bank of America credit cards offer extended warranty. Visa or Mastercard (depending on your card) will extend the original manufacturer’s warranty on certain eligible purchases, free of charge. So if an item breaks or is stolen after its original warranty runs out, you may be eligible for a refund. You can find out more or submit a claim by calling the number on the back of your card.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for extended warranty protection, or the overall best-performing travel credit card stores on our main review grid.

Looking for Bank of America Travel Rewards coupons? Check out the latest deals here. Want more reviews on Bank of America Travel Rewards? Read a more in-depth review of Bank of America Travel Rewards on this page.

Last reviewed February 6, 2020. Read all 2 extended warranty protection reviews.

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Best Foreign Transaction Costs – Winner: Bank of America Travel Rewards
2.0 stars

Unfortunately, Target REDcard does not currently offer no foreign transaction fees. You can also visit Target REDcard's foreign transaction costs customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their foreign transaction costs.

Last reviewed January 18, 2021. Read 1 no foreign transaction fees review.

5.0 stars

Yes, Bank of America Travel Rewards does offer no foreign transaction fees. You can find additional information about Bank of America Travel Rewards's foreign transaction costs on their customer service page here. You can also visit their homepage to see if Bank of America Travel Rewards has posted additional information on their foreign transaction costs.

Last reviewed February 6, 2020. Read all 2 no foreign transaction fees reviews.

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Best Contactless Payment – Winner: Bank of America Travel Rewards
3.0 stars

Based on our research, it appears that Target REDcard may not offer tap to pay at the current time. You may be able to find additional information about Target REDcard's contactless payment on their customer service page or FAQ here. You can also visit their homepage to see if Target REDcard has posted any updated information about their contactless payment.

Last reviewed January 18, 2021. Read 1 tap to pay review.

5.0 stars

Yes, Bank of America Travel Rewards does offer tap to pay. You can find additional information about Bank of America Travel Rewards's contactless payment on their customer service page here. You can also visit their homepage to see if Bank of America Travel Rewards has posted additional information on their contactless payment.

Last reviewed February 6, 2020. Read all 2 tap to pay reviews.

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Best Debt Transfer Fees – Winner: Bank of America Travel Rewards
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of debt transfer fees when compared to other credit card stores.

Based on information pulled from their own site, it appears that Target REDcard seems to have poor support for debt transfer fees. See the full page here. Specifically, their website provides the following information:

Transfer Intro APR: Not Offered

Learn more at the company's website.

You can also check out the top 10 credit card stores for debt transfer fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 balance transfer fees reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Bank of America Travel Rewards' website, Bank of America Travel Rewards performs average to better than average in terms of debt transfer fees compared to other travel credit card stores.

Based on a review posted on bankofamerica.com, Bank of America Travel Rewards was rated as fairly average for debt transfer fees relative to competing travel credit card stores. Check out the entire review here. From this review:

Either $10 or 3% of the amount of each transaction, whichever is greater.

Learn more at the company's website.

You can also check out the top 10 travel credit card stores for debt transfer fees, or the overall best-performing travel credit card stores on our main review grid.

Looking for Bank of America Travel Rewards coupons? Check out the latest deals here. Want more reviews on Bank of America Travel Rewards? Read a more in-depth review of Bank of America Travel Rewards on this page.

Last reviewed February 6, 2020. Read all 2 balance transfer fees reviews.

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