Choice Privileges® Visa Signature® Card

Choice Privileges® Visa Signature® Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.74% ‐ 26.49% (Variable)
Balance Transfer
16.74% ‐ 26.49% (Variable) (0% for the first 15 months)
Rewards
2 - 15 points
Signup Bonus
32000 points (after spending $1,000)


7.4/10
Informr score
The Choice Privileges® Visa Signature® Card currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 8 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Choice Privileges® Visa Signature® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


CreditCards.com

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...

- Kelly Dilworth, CreditCards.com
Money Crashers

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 c...

- Brian Martucci, Money Crashers
ValuePenguin

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 th...

- Robert Harrow, ValuePenguin
Finder

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.

- Finder team, Finder
RewardExpert

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 th...

- Caroline Lupini, RewardExpert

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 26.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.74% ‐ 26.49% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.74% (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
  • At eligible Choice Privileges locations with your Choice Privileges Visa Signature Card and Choice Privileges membership
  • 5 points per $1 spent on eligible purchase of Choice Privileges points or Choice Hotels gift card purchases


Travel No
Pharmacy No
Bills No
Additional Details
  • Earn 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date.
  • Get a 10% Points Bonus every time you purchase a stay with Choice Hotels
  • Enjoy Elite Gold status every time upon approval for the Choice Privileges Visa Card
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
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


CreditCards.com

Good rewards rate

from CreditCards.com

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.

Read full review

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.

Read full review

Less

Money Crashers

A great tool for financing stays within the Choice Hotels universe

from Money Crashers

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.

Read full review

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.

Read full review

Less

ValuePenguin

Not a card worth recommending - especially for general spending

from ValuePenguin

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.

Read full review

Less

Finder

Most effective for frequent Choice Hotels guests

from Finder

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.

Read full review

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.

Read full review

Less

RewardExpert

A great option for anyone who frequently stays with Choice Hotels

from RewardExpert

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.

Read full review

Less

Bankrate

Other hotel cards reward you better for your loyalty

from Bankrate

We aren’t wild about the redemption values offered with this card and think you’ll likely fare better with a different choice.

Read full review

We aren’t wild about the redemption values offered with this card and think you’ll likely fare better with a different choice.

Read full review

Less

LendEDU

Pretty generous rewards program

from LendEDU

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.

Read full review

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.

Read full review

Less

Bank Deal Guy

Quite a popular choice among travelers

from Bank Deal Guy

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!

Read full review

Less

User Reviews


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