Choice Privileges Visa Signature Card 2021 Review

 If you’re a frequent traveler on the lookout for a great hotel card, The Choice Privileges® Visa Signature® Card is your choice. It is a loyalty card that offers generous purchase points from participating hotels and resorts in the network of Choice Privileges.
Choice Privileges® Visa Signature® Card 2020 Review

By putting this card to work spending on things you’d already buy throughout the year, you can earn an incredible $2,000 or more in rewards value with Choice Hotels the first year.

And if you’re a Choice Privileges rewards member, your total points for the year can be worth enough to cover three weeks of free hotel nights or more.

Find out more about this card and how to put it to work in your wallet via our comprehensive summary.

Overview

The Choice Privileges® Visa Signature® Card is a relatively unknown card with no annual fee. Featuring 15 points per dollar on all Choice purchases, 5 points per dollar for Choice points purchases, and Choice hotel gift cards.

Also, 2 points per dollar on everything else, this card offers a solid return on spend for frequent Choice customers but not much else.

A consistently undervalued program, Choice hotels comprise a group of more than 7,000 properties across 40 countries.

While in the US these properties aren’t anything special, you can find real value overseas in expensive locations like Scandinavia and Japan.

The Choice Privileges Visa card is the only one on offer from this hotel chain, and while I don’t necessarily recommend this card for everyone, if you’ve got a lot of international travel coming up this card could be worth a spot in your wallet.

Pros and Cons of Choice Privileges Visa Signature Card

Pros

  • Generous bonus offer worth up to four award nights
  • No annual fee
  • Anniversary bonus worth one award night
  • Earn 15 points per dollar on Choice Hotels stays
  • 0% APR for 15 months for balance transfers made within 45 days of account opening

Cons

  • 3% foreign transaction fee
  • Points expire after 18 months of inactivity
  • No 0% APR offer on purchases

The Rewards

Different point values are offered for stays at different hotels within the Choice Privileges program.

10 points will be awarded for every eligible stay from:

  • Econo Lodge®
  • MainStay Suites®
  • Suburban Extended Stay®
  • Rodeway Inn®

15 points will be awarded for every dollar spent on eligible stays from all other Choice Privileges locations. 5 points will be provided for purchases of new Points and Choice Hotels gift cards. 2 points are provided for every other dollar spent.

There are also two opportunities to earn quite a few bonus points. 8,000 bonus points are awarded after the first purchase is made, and 24,000 bonus points are awarded if you purchase a stay with Choice Privileges.

Together, this is enough for 4 free nights at over 1,500 locations.

Points can be redeemed for free nights as well as airline and travel rewards, gift cards, sport and dining rewards, magazines and memberships, and unique experiences.

Choice Privileges locations are worldwide, and include:

  • Comfort Inn
  • Comfort Suites
  • Cambria Suites
  • Ascend Hotel Collection
  • Clarion Inn & Suites
  • Quality Inn
  • Sleep Inn

The Costs & Fees

Annual FeeIntro APR for Balance TransfersRegular Purchase APRRegular Balance Transfer APRCash Advance APRForeign Transaction Fee
$00% for 15 months (must be completed within the first 45 days of account opening)15.24%, 19.99%, or 24.99% Variable15.24%, 19.99%, or 24.99% Variable25.24% Variable3%
Penalty APRLate FeeReturned Payment Fee
NoneUp to $39Up to $39

How Does a Balance Transfer Work With This Card?

Eligible balance transfers must post to your account within 45 days of card membership. Otherwise, you won’t get the 0% intro APR period for fifteen billing cycles. The standard variable APR on balance transfers is 15.24%, 19.99%, or 24.99%, which applies after the intro APR period expires.

Each balance transfer comes with a fee of $5 or 3% of the transaction, whichever is greater. That means a $1,000 balance transfer will cost $30 in fees. Know that it can take up to four weeks for balance transfers to post to your account.

If your requested balance transfers exceed your available credit limit, Barclays may either decline your request or accept a partial amount. You’re not allowed to transfer balances from another Barclays account.

If you request a balance transfer along with your application and change your mind, call Barclays within 10 days of card approval to cancel it.

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What Should I Know Before I Apply?

To apply for the card, you must be at least 18 years old and a US resident. Residents of Puerto Rico and US territories are not eligible.

You’ll need to provide information that includes your:

  • Full name and contact information.
  • Employment information and annual income.
  • Social Security number, date of birth, and mother’s maiden name.

What credit score do I need?

Apply with a good to excellent credit score of 670 or higher to increase your chance of approval and to get a stronger APR and a higher credit limit.

How to Apply for the Choice Privileges® Visa Signature® Card?

  1. Go to the Barclays website and select the Choice Privileges® Visa Signature® Card from the list of travel cards, then click Apply now.
  2. Complete the application with your details
  3. Review your application and submit it.

If you’re a regular at Choice Hotels, this is an excellent card for points multiples on your stays. Through consistent bookings, you’ll accumulate points that you can redeem toward reward nights and other perks.

If you rarely stay at Choice Hotels, consider a general travel rewards card. That way, you won’t have to spend with Choice Hotels to maximize your points.

We hope this article has been helpful to you. Please share it with anyone who you think will appreciate the information!

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