Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.24% - 27.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
18.24% - 27.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
670
Annual Fee
$0
Choice Privileges Visa Signature® Card Review
This is a travel 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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- Earn 32,000 bonus points after spending $1,000 on purchases in the first 90 days.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Choice Privileges Visa Signature® Card
| The Good | The Bad |
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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.
| Description |
Does Choice Privileges Visa Signature® Card have a signup bonus?
Yes. Earn 32,000 bonus points after spending $1,000 on purchases in the first 90 days.
Does Choice Privileges Visa Signature® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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
- Reports to major credit bureaus
What are the relevant APRs for Choice Privileges Visa Signature® Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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% .
Does Choice Privileges Visa Signature® Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.24% - 27.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Choice Privileges Visa Signature® Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Choice Privileges Visa Signature® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $15 - $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $15 - $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $37 . Does Choice Privileges Visa Signature® Card have a foreign transaction fee?
Choice Privileges Visa Signature® Card charges a foreign transaction fee of up to 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 foreign transaction fees.How do people rate the customer service and user experience of Choice Privileges Visa Signature® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Choice Privileges Visa Signature® Card report your account activity to credit bureaus?
Yes, Choice Privileges Visa Signature® Card reports to the following credit bureaus:
- 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 build your credit.
Does Barclays Bank perform a hard credit pull?
Yes, Choice Privileges Visa Signature® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Choice Privileges Visa Signature® Card
- Visit the website of Choice Privileges Visa Signature® Card.
- 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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Disclaimer popup with additional information
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Disclaimer popup with additional information
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Disclaimer popup with additional information
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Disclaimer popup with additional information
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Disclaimer popup with additional information
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Disclaimer popup with additional information
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Disclaimer popup with additional information
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Disclaimer popup with additional information
Credit Score Range
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Purchase APR
18.74% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 27.99%
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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-1000+100
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Everyone recommends
Choice Privileges Visa Signature® Card Community Reviews
Would you recommend Choice Privileges Visa Signature® Card to your friends?
MJ
Maria J.
Sep 5, 2020
May or may not recommend
I have had this card for over a year now and I still can't decide if I would recommend it. For beginners, Barclay customer service is hard to reach and the online tools and resources are nearly useless. Additionally, the interest rates are high and the "rewards" are on the lower side. However, IF you can get the points bonus - GO FOR IT. That's the biggest reason I would ...Show More
Showing 1 of 1 reviews
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