Choice Privileges Visa Signature® Card

Choice Privileges Visa Signature® Card Review

This is a rewards card issued by Barclays Bank. If you're wondering whether Choice Privileges Visa Signature® Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 15 reward points per dollar spent.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• Earn 32,000 bonus points after spending $1,000 on purchases in the first 90 days.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.24% up to 27.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Choice Privileges Visa Signature® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Choice Privileges Visa Signature® Card

Choice Privileges Visa Signature® Card FAQ

Does Choice Privileges Visa Signature® Card have a cash back or rewards program?

Choice Privileges Visa Signature® Card is a travel rewards card.

What are the Choice Privileges Visa Signature® Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Choice Privileges Visa Signature® Card?

Choice Privileges Visa Signature® Card has a variable purchase APR that ranges from 18.24% up to 27.99%. The card has a variable balance transfer APR that ranges from 18.24% up to 27.99%. It also has a variable cash advance APR of 28.24% .

What are the fees for Choice Privileges Visa Signature® Card?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Choice Privileges Visa Signature® Card report your account activity to credit bureaus?

Yes, Choice Privileges Visa Signature® Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion
• Innovis

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 Choice Privileges Visa Signature® Card

• Visit the Choice Privileges Visa Signature® Card 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.