Best Western Rewards® Premium Mastercard®

Best Western Rewards® Premium Mastercard® Review

This is a card issued by First National Bank of Omaha. If you're wondering whether Best Western Rewards® Premium Mastercard® is the right card for you, read on.

Key Takeaways

• 80,000 points when you spend $3,000 in the first 3 billing cycles after the account is opened. 40,000 points when you spend $5,000 every 12 billing cycles.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 20.24% up to 27.24%.
• 5% Balance transfer fee. Best Western Rewards® Premium Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Best Western Rewards® Premium Mastercard®

The Good	The Bad
Early Check-In & Late Check-Out. Automatic Gold Status. Exclusive Reservation Line. Free access to your credit score. Considers applicants with fair credit. No foreign transaction fee. Best Western Rewards® Premium Mastercard® reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of $89 Does not offer rewards or cash back. Charges a 5% balance transfer fee. Does not include many credit card benefits.

Best Western Rewards® Premium Mastercard® FAQ

Does Best Western Rewards® Premium Mastercard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Best Western Rewards® Premium Mastercard® benefits?

It provides the following benefits:

• Free Credit Score
• Zero fraud liability
• No blackout dates when redeeming miles
• Reports to major credit bureaus

What are the relevant APRs for Best Western Rewards® Premium Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Best Western Rewards® Premium Mastercard® has a variable purchase APR that ranges from 20.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 20.24% up to 27.24%. It also has a variable cash advance APR of 27.49% .

What are the fees for Best Western Rewards® Premium Mastercard®?

The following fees apply:

Best Western Rewards® Premium Mastercard® Fees

Fees	Amount
Annual Fee	$89
Foreign Transaction Fee	0%
Returned Payment Fee	up to $35
Late Payment Fee	up to $40

Does Best Western Rewards® Premium Mastercard® report your account activity to credit bureaus?

Yes, Best Western Rewards® Premium Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Best Western Rewards® Premium Mastercard®

• Visit the Best Western Rewards® Premium Mastercard® website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.