Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Lindsay Frankel, FinanceBuzzA great option for anyone who travels frequently and likes to stay at hotels in the Choice Hotels family of brands. With a $0 annual fee, this card is a no-brainer for anyone who plans to take at least one vacation or business trip each year and stay at a Choice Hotel.
- Kelly Dilworth, CreditCards.comA good choice for cardholders who want an easy way to earn free travel, but don’t want to pay an annual fee, the Choice Privileges Visa Signature card offers a large enough sign-up bonus to fund several nights at a budget-friendly Choice hotel, such as Comfort Inn, and an above average rewards rate...
- Brian Martucci, Money CrashersAn ideal means for regular Choice Hotels guests to juice the Choice Privileges points they earn on paid stays and other eligible purchases. Thanks to its long 0% APR introductory balance transfer promotion, it’s even more attractive for Choice Hotels loyalists who’ve racked up high-interest credit c...
- Robert Harrow, ValuePenguinUnfortunately, the credit card doesn't offer enough value for general spending for it to be used as your primary credit card. For most spending categories the card only offers an average rewards rate of 1.6% while limiting cardholders to affiliated hotels and resorts. There are many credit cards th...
- Finder team, FinderIf you’re a regular at Choice Hotels, this is an excellent card. Through consistent stays, you’ll accumulate many points that you can redeem for free nights and more.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
15.24% ‐ 24.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
15.24% ‐ 24.99% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
25.24% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
3% Minimum of $5 |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee |
3% Of each transaction in U.S. dollars. |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$39.00 Maximum |
| Promotions | |
| Sign up bonus |
32000 points after spending $1,000 On purchases within the first 3 months. |
| Rewards | |
| All Purchases | 2 points per $1 spent |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels |
15 points per $1 spent
|
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | Yes |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Android Pay |
| Virtual Cards | No |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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Critic Reviews
Earn a whopping 15X points
A great option for anyone who travels frequently and likes to stay at hotels in the Choice Hotels family of brands. With a $0 annual fee, this card is a no-brainer for anyone who plans to take at least one vacation or business trip each year and stay at a Choice Hotel.
A great option for anyone who travels frequently and likes to stay at hotels in the Choice Hotels family of brands. With a $0 annual fee, this card is a no-brainer for anyone who plans to take at least one vacation or business trip each year and stay at a Choice Hotel.
Good rewards rate
A good choice for cardholders who want an easy way to earn free travel, but don’t want to pay an annual fee, the Choice Privileges Visa Signature card offers a large enough sign-up bonus to fund several nights at a budget-friendly Choice hotel, such as Comfort Inn, and an above average rewards rate on regular purchases.
A good choice for cardholders who want an easy way to earn free travel, but don’t want to pay an annual fee, the Choice Privileges Visa Signature card offers a large enough sign-up bonus to fund several nights at a budget-friendly Choice hotel, such as Comfort Inn, and an above average rewards rate on regular purchases.
A great tool for financing stays within the Choice Hotels universe
An ideal means for regular Choice Hotels guests to juice the Choice Privileges points they earn on paid stays and other eligible purchases. Thanks to its long 0% APR introductory balance transfer promotion, it’s even more attractive for Choice Hotels loyalists who’ve racked up high-interest credit card debt on other cards.
An ideal means for regular Choice Hotels guests to juice the Choice Privileges points they earn on paid stays and other eligible purchases. Thanks to its long 0% APR introductory balance transfer promotion, it’s even more attractive for Choice Hotels loyalists who’ve racked up high-interest credit card debt on other cards.
Not a card worth recommending - especially for general spending
Unfortunately, the credit card doesn't offer enough value for general spending for it to be used as your primary credit card. For most spending categories the card only offers an average rewards rate of 1.6% while limiting cardholders to affiliated hotels and resorts. There are many credit card...More
Unfortunately, the credit card doesn't offer enough value for general spending for it to be used as your primary credit card. For most spending categories the card only offers an average rewards rate of 1.6% while limiting cardholders to affiliated hotels and resorts. There are many credit cards that combine a higher rewards rate with greater flexibility and would be a much better choice for everyday use.
Most effective for frequent Choice Hotels guests
If you’re a regular at Choice Hotels, this is an excellent card. Through consistent stays, you’ll accumulate many points that you can redeem for free nights and more.
If you’re a regular at Choice Hotels, this is an excellent card. Through consistent stays, you’ll accumulate many points that you can redeem for free nights and more.
A great option for anyone who frequently stays with Choice Hotels
The Choice Privileges Visa Signature is a really solid option for anyone who’s a regular at Choice Hotels because those stays will earn a whopping 15 points per dollar. If you’re not a regular, you should first consider whether you are willing to stay at Choice Hotels and if they are in locat...More
The Choice Privileges Visa Signature is a really solid option for anyone who’s a regular at Choice Hotels because those stays will earn a whopping 15 points per dollar. If you’re not a regular, you should first consider whether you are willing to stay at Choice Hotels and if they are in locations that you are interested in traveling. If so, the card might still be a good option because it offers two points per dollar spent on all purchases.
Other hotel cards reward you better for your loyalty
We aren’t wild about the redemption values offered with this card and think you’ll likely fare better with a different choice.
We aren’t wild about the redemption values offered with this card and think you’ll likely fare better with a different choice.
Pretty generous rewards program
It seems that the zero annual fee is not the only thing that it has going for it. The interest rates are pretty competitive as well, especially if you are creditworthy. If you do a lot of traveling state side, then this may be a great card for you.
It seems that the zero annual fee is not the only thing that it has going for it. The interest rates are pretty competitive as well, especially if you are creditworthy. If you do a lot of traveling state side, then this may be a great card for you.
Quite a popular choice among travelers
The Choice Privileges Visa Card offers more pros than cons for travelers it seems. Aside from earning 15 points per dollar for staying at Choice hotels, 10% bonus points every time you purchase a stay at one of the hotels, and up to 8,000 anniversary bonus points is enough value given from this c...More
The Choice Privileges Visa Card offers more pros than cons for travelers it seems. Aside from earning 15 points per dollar for staying at Choice hotels, 10% bonus points every time you purchase a stay at one of the hotels, and up to 8,000 anniversary bonus points is enough value given from this card — not to mention there’s no annual fee!