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Credit Card Reviews » Choice Privileges® Visa® Card |
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If you're frequently on the road, you should have a credit card that will reward you for every night you spend away from your own bed. The Choice Privileges® Visa® Card lets you earn reward points on all of your hotel accommodations at hundreds of Choice Privilege locations through the U.S., Canada, and Mexico. This card, issued by FIA Card Services, N.A., gives you flexibility both in how you earn and how you spend your points, so that you can get the most out of your reward program.
When you use your Choice Privileges® Visa® Card to pay for your hotel stay at any Choice Privileges location in the U.S., Canada or Mexico, you will automatically earn 15 points for every single dollar that you spend. Choice Privilege hotels include the Comfort Inn®, Comfort Suites®, Quality®, Sleep In®, Clarion®, MainStay Suites®, and many more. There are over a thousand Choice Privilege locations for you to choose from, so you can always earn huge rewards from your accommodations.
In addition, you will also earn two points for every dollar that you spend on general purchases, so even if you have to stay at a hotel that isn't a member of the Choice Privileges program, you can still earn points for your trouble. New applicants will receive 8,000 points if your purchases exceed $1,500 in your first 75 days of membership. 8,000 points are equivalent to one reward night at any of the participating Choice Privileges locations, so you can get on your way to your next free trip in no time.
There is no limit on the points that you can earn each year, but your points do eventually expire. They will expire on the last day of December in the second calendar year after the year in which your points were earned. You points can be redeemed for airline miles with many major airline partners, free hotel stays, and gift certificates to retailers and restaurants. This card also gives you the option of donating your points to the Armed Forces Relief Fund and UNICEF.
This card has no annual fee, and it offers a low introductory rate on purchases, balance transfers and cash advance checks for your first six billing cycles. After this period end, its APR on purchases and balances is reasonable for a reward card, but less than ideal if you intend to carry a balance.
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1.99% Intro APR on Purchases, Balance Transfers for 6 Billing Cycles
19.24% Regular Variable APR for Purchases
21.24% Regular Variable APR for Cash Advances |
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20 days Grace Period |
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| (* The intro rate applies to the first six billing cycles. The intro rate also applies to cash advance) |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250 |
| Over-The-Limit Fee: $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000 |
| Cash Advance Fee: 3%, $10 minimum; 4%, $10 minimum, $90 maximum for cash advance checks |
| Balance Transfer Fee: None |
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| Minimum Credit Limit: see terms* |
| Maximum Credit Limit: see terms* |
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| Type of Reward: Point |
| Points per Dollar: 2.00 |
| Bonus Points First Purchase: 8,000 Points** |
| Point Details: **Cardholders are eligible to receive 8,000 Points if purchases totaling $150 are made within 75 days of the account opening. 8,000 points is equivalent to a Choice Privileges reward night in the U.S. at over 1,000 Choice Privileges locations. |
| Expiration: Points earned in a calendar year will expire on December 31st of the second calendar year following the year during which the points were earned. |
| Yearly Limit: None |
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| Additional Features for Choice Privileges® Visa® Card: |
| See website for card benefits. |
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| Important Notes for Choice Privileges® Visa® Card: |
| See website for complete terms and conditions of card usage and application disclosure. |
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| Home » Apply for a Credit Card » Special Interests » Hotel Rewards |
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| Notes: The review on Choice Privileges® Visa® Card was updated on March 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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