Features

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 rates on purchases and balance transfers ranges from 15.49% APR to 25.24% 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 25.49% 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 and two points for every $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 8,000 points after the first purchase and an additional 24,000 points after using to pay for a stay at a participating hotel. The total 32,000-point bonus is enough to pay for a 4-night stay.

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.

  • Card Type
    • Balance Transfer
    • Rewards
  • Customer Type
    Personal
  • Card Network
    Visa
  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
    23
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $37
  • Foreign Currency Transaction Fee
    3%
  • No Annual Fee
  • Points
  • Signup Bonus (points)
    32,000
  • Purchases APR
    15.49% - 25.24%
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    15.49% - 25.24%
  • Intro APR period (months)
    15
  • 0% Introductory APR
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