Choice Privileges Visa Signature® Card Review

Choice Privileges Visa Signature® Card is a rewards credit card issued by Barclays Bank. If you're wondering whether Choice Privileges Visa Signature® Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Generous reward rate. You will get a a rewards rate of 15 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.
• Signup bonus. Offers a signup bonus of 32000 points after spending $1,000 that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Choice Privileges Visa Signature® Card has a variable purchase APR that ranges from 16.74% up to 26.49%.
• 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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, travel assistance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Choice Privileges Visa Signature® Card Pros and Cons:

Is there a Choice Privileges Visa Signature® Card cash back or rewards program?

Choice Privileges Visa Signature® Card offers a rewards program to its customers.

What are the Choice Privileges Visa Signature® Card benefits?

Choice Privileges Visa Signature® Card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• ID Theft Protection
• 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 16.74% up to 26.49%. The card has a variable balance transfer APR that ranges from 16.74% up to 26.49%. It also has a variable cash advance APR of 26.74% .

What are the Choice Privileges Visa Signature® Card fees?

The following fees apply to Choice Privileges Visa Signature® Card:

• There is no overlimit fee

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.