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Choice Privileges Visa Signature® Card

in Personal Credit Cards

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Choice Privileges Visa Signature® Card

Unaffiliated

in Personal Credit Cards

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Overview

Who is the Choice Privileges Choice Visa Card Designed For?

The Choice Privileges Choice Visa Card is designed for frequent travelers with excellent credit who want a credit card that earns generous rewards toward hotel and resort stays without paying an annual fee. It's introductory rate on balance transfers make it a particularly good fit for people who carry some credit card debt and want to pay it off without interest.

Choice Privileges is a hotel loyalty network that includes hotel chains such as Comfort Inn, Comfort Suites, Sleep Inn, Clarion, Cambria Suites, MainStay Suites, Suburban, Econolodge, Rodeway Inn and Ascend. Hotels and resorts linked to Choice Privileges can be found in the United States, Canada, Europe, the Middle East, Central America, the Caribbean and Australasia.

What are the Rates for Choice Privileges Choice Visa Card?

The rate on purchases and balance transfers ranges from 16.74% APR to 26.49% APR based on applicants' credit. The card does have an attractive 15-month 0% APR introductory rate on balance transfers made within the first 45 days of opening the account. Cash advances have a fixed 26.74% APR but there is no penalty rate.

What Are the Fees for Choice Privileges Choice Visa Card?

As you would expect from a loyalty card, there's no annual fee to worry about. However, it does include a $5 or 3% (whichever is greater) balance transfer fee, a $10 or 3% cash advance fee, and a 3% foreign transaction fee. Although there's no penalty rate for missing a payment deadline, there is a $37 fee on late and returned payments.

What Is Choice Privileges Choice Visa Card's Rewards Program Like?

As long as you use points toward its network of hotels, Choice Privileges offers a generous rewards program with reward rates of up to 15 points per $1 dollar spent on hotel stays, 5 points per $1 spent on Choice Privileges® points and Choice Hotels gift cards, and 2 points per $1 spent on all other purchases. The average night at a hotel costs 8,000 points so earning free nights is easy, especially when you include the large signup bonus.

You can transfer your Choice Privileges points to other rewards programs, such as AAdvantage, MileagePlus, Southwest or Aeroplan, but it will cost you 5,000 points to transfer 1,000 points.

What about Choice Privileges Choice Visa Card ‘s Signup Bonus?

For a card with no annual fee, Choice Privileges Visa Card has an impressive signup bonus. New cardholders receive a 32,000-point bonus after spending $1,000 in purchases.

Does the Choice Privileges Choice Visa Card's Have Any Other Benefits?

The card gives members automatic Elite Gold Status at the participating hotel chains, which means they get a 10% point bonus, can extend their booking window for reward nights to 50 days and qualify for exclusive elite member offers.

How Is Choice Privileges Choice Visa Card Better Than Other Credit Cards?

The Choice Privileges Visa Card offers a large signup bonus and high reward rates without charging an annual fee, an unusual but welcome combination. As long as you redeem your points toward hotel stays, this program offers good value for money. However, the 5:1 transfer rate will be a turn-off for those hoping to convert the signup bonus points into miles at their favorite frequent flyer rewards program.

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Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period / Deferred Interest (Months)
23
Over-Limit Fee
$0
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$37
Returned Payment Fee
$37
Minimum Interest Charge
$0.5
Foreign Currency Transaction Fee
3%
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Credit Score Range
700 - 850
850 300 700
Customer Type
Personal
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
Card Network
  • Visa
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Travel Assistance
Rewards Categories
  • Every Purchase
  • Hotels
All Other Purchases
2 points per $1 spent
Every Purchase
5 points per eligible $1 spent on the purchase of hoice Privileges, 15 points per $1 spent at eligible Choice Privileges locations
Signup Bonus (points)
32,000
Annual Loyalty Bonus Spend Requirement
$10,000
Annual Loyalty Bonus (points)
8,000
Purchases APR (variable)
16.74% - 26.49%
0% 29%
Balance Computation
daily balance (including new purchases)
Balance Transfer APR (variable)
16.74% - 26.49%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3% ($5 minimum)
Introductory Rate
0%
Intro APR period (months)
15

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