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  Choice Privileges Visa Signature® Card

Choice Privileges Visa Signature® Card

in Personal Credit Cards from Barclays Bank

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Choice Privileges Visa Signature® Card

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in Personal Credit Cards from Barclays Bank

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Highlights
Highlights
Purchase APR  (Variable APR) 15.24% - 24.99%
Balance Transfer APR  (Variable APR) 15.24% - 24.99%
Credit Score Range 700 - 850
Annual Fee $0

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 15.24% up to 24.99%.
  • 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 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:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Choice Privileges Visa Signature® Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.

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.

Choice Privileges Visa Signature® Card Rewards
Rewards rate (all purchases) 2%
Max rewards rate 15%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 32000
Signup Bonus Spend Requirement $1000
Annual Loyalty Bonus (Points/Miles) 8000
Annual Loyalty Bonus Spend Requirement $10000

Does Choice Privileges Visa Signature® Card have a signup bonus?

Choice Privileges Visa Signature® Card doesn't offer a cash signup bonus. However, it does include a 32000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Choice Privileges Visa Signature® Card offer an annual loyalty bonus?

Choice Privileges Visa Signature® Card doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 8000 points after spending $10000 that can be redeemed for travel, gifts, and other perks.

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?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Choice Privileges Visa Signature® Card has lower than average purchase APRs.

Choice Privileges Visa Signature® Card has a variable purchase APR that ranges from 15.24% up to 24.99%. The card has a variable balance transfer APR that ranges from 15.24% up to 24.99%. It also has a variable cash advance APR of 25.24% .

Does Choice Privileges Visa Signature® Card have an introductory APR offer on balance transfers?

Yes, Choice Privileges Visa Signature® Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

Choice Privileges Visa Signature® Card Balance Transfers
Description
Balance Transfer APR 15.24% - 24.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Choice Privileges Visa Signature® Card have an introductory APR offer on new purchases?

Choice Privileges Visa Signature® Card does not offer an introductory rate on new purchases.
Choice Privileges Visa Signature® Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

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

  • There is no overlimit fee
Choice Privileges Visa Signature® Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Choice Privileges Visa Signature® Card have a foreign transaction fee?

Choice Privileges Visa Signature® Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction 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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  •   125 South West Street
    Wilmington, DE 19801
  •   Visit Site

Hours of Operation

  • Sunday 8:00am - 8:00pm
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 8:00am - 8:00pm

Other Services by Barclays Bank

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Availability

  Available in 50 states and Washington, D.C.
  • 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

Every Purchase (Points) 5 points per eligible $1 spent on the purchase of hoice Privileges, 15 points per $1 spent at eligible Choice Privileges locations.
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Annual Loyalty Bonus (points) 8,000
Annual Loyalty Bonus Spend Requirement $10,000
Rewards Categories
  • Every Purchase
  • Hotels
Signup Bonus (points) 32,000
Rewards Type Points
Cash Advance APR (Variable APR) 25.24%
Balance Computation daily balance (including new purchases).
Purchase APR (Variable APR) 15.24% - 24.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 15.24% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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SUPERMONEY NET RECOMMENDATION SCORE

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-100% 0% +100%
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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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