Choice Privileges Visa Card Review
Choice Privileges® Visa Card Review
("Card issued by Bank of America, N.A. (USA)")
Summary - Choice Privileges is a reward program for the budget conscious traveller with over 3000 locations in the US. The reward program is simple - no tier membership and has a standard 10 points for every dollar spent accumulation formula. Having a Choice Privileges® Visa® Card will allow you to earn faster points. Let's look at this card in more detail
Reward Formula - The Choice Privileges® Visa Card allows the cardholder to earn 5 points for every dollar spent at Choice Privileges locations throughout the US, Canada & Mexico, including Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion and MainStay Suites. As a Choice Privileges member, you will earn 10 points for every dollar you spend. Hence, you will earn 15 points per dollar when you have this card. You earn two points for every dollar you spend on other purchases. You can earn unlimited points. Choice Privileges points expire in two years. New cardholders will get one night of free stay at any Choice Privileges location.
Annual Fee and APR - The Choice Privileges Visa Platinum Card has no annual fees. You get a 1.9% APR on both purchases and balance transfers for six billing cycles. The APR is prime rate plus 13.99%. The average daily balance method (including new purchases) is used to calculate monthly balances.
Verdict - We recommend the the Choice Privileges® Visa® Card to the Choice Privileges frequent guest member to earn faster points.
- Earn 15 points for every dollar you spend at Choice Privileges locations
- No annual fee
- Earn unlimited points
- New cardholders get one night of free stay
|Choice Privileges® Visa® Card|
|Points per Dollar||2 points per dollar|
|Points per Dollar spent at Choice Privileges locations||15 points (2)|
|Points Expiration||Points earned in a calender year will expire on 31st December of the 2nd calender year following the year during which points were earned|
|Yearly Limits on miles you can earn||None|
|Bonus Miles||8000 bonus points at first purchase|
Total Security Protection
Various Internet account related services.
Up to $500,000 in travel accident insurance.
Auto rental insurance
Extended warranty protection
Various travel and emergency assistance services
Lost luggage recovery
Year-end summary statement
Zero liability for unauthorized use of the card
Optional personal photo on card
Optional mini card
See website for additional benefits
|(APR) Purchase||Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate between Prime + 13.99%|
|(APR) Balance Transfer APR||Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate between Prime + 13.99%|
|(APR) Cash Advance||21.99% Variable * minimum 19.99% . (P + 15.99%)|
|Finance Configuration||Average Daily Balance (including new purchases)|
|Grace Period||20 days (Min)|
|Minimum Credit Limit||$500|
|Late Payment fee||
$19.00 - less than $100.00
$29.00 - $100 to $1,000
$39.00 - more than $1,000
|Cash Advance fee||3% min $10.00|
|Balance Transfer fee||None|