| Balance Transfer Rating: | 3.2 / 5 |
| Introductory Offer: | 3.0 |
| Net Value: | 3.0 |
| Features: | 3.0 |
| Issuer Customer Experience | 3.5 |
In a Nutshell:
The Barclay Choice Privileges card is the rare hotel card to offer an introductory period for balance transfers, and it’s a good deal if you’re looking for a long period to pay off your balance transfer as well as a rewards card that’s worth keeping in the long run.
0% Introductory Period |  |
Transfer Fee |  |
Introductory Purchase APR |  |
Regular APR |  |
Annual Fee | |
Barclays Customer Service Ratings
| |
Other Notable Features: Automatic upgrade to gold status, 10 percent bonus on eligible hotel stays, dedicated reservations line, VIP event access, concierge service, purchase security, travel and emergency assistance, luxury hotel discounts and special offers, fraud protection
| Rewards Rating: | 3.2 / 5 |
| Rewards Value: | 3.4 |
| Annual Percentage Rate: | 0.7 |
| Rewards Flexibility: | 3.3 |
| Features: | 3.0 |
| Issuer Customer Experience | 3.5 |
In a Nutshell:
A good choice for cardholders who want an easy way to earn free travel, but don’t want to pay an annual fee, the Choice Privileges Visa Signature card offers a large enough sign-up bonus to fund several nights at a budget-friendly Choice hotel, such as Comfort Inn, and an above average rewards rate on regular purchases.
Rewards Rate
|  |
Sign-up Bonus | |
Annual Bonus | |
Annual Fee | |
Average Yearly Rewards Value ($1,325 monthly spend) | |
APR | |
Rewards Redemption
Cons:
| |
Barclays Customer Service Ratings
| |
Other Notable Features: Automatic upgrade to gold status, 10 percent bonus on eligible hotel stays, dedicated reservations line, VIP event access, concierge service, purchase security, travel and emergency assistance, luxury hotel discounts and special offers
 | Find card offers for you: This card is not currently available on CreditCards.com, but you can still find a great card offer for you! Our CardMatch tool can help match you with prequalified offers and cards that align with your credit history – with no harm to your credit score. Get personalized offers from our partners in seconds. |
For a card with no annual fee, the Choice Privileges Visa Signature card offers an impressive amount of value. The Choice card offers a generous number of bonus points on hotel stays that can add up quickly if you’re a heavy traveler and an unusually large rewards rate for regular purchases.
Cardholders won’t lack for places to cash in points for hotel stays. Choice Hotels International also has one of the largest hotel networks in the world, including budget hotel favorites Comfort Inn, Quality Inn and Sleep Inn to upscale brands Ascend and Cambria.
Good rewards rate
With the Choice Privileges Visa Signature card you can earn up to five bonus points for every dollar you spend on Choice hotel stays and two points per dollar spent on everyday purchases. Combine it with the hotel group’s separate Choice Privileges rewards program to earn up to 15 points for every dollar spent.
Generous sign-up bonus
Choice offers a substantial sign-up bonus for new cardholders and a decent annual bonus for moderate-to-heavy spenders. New cardholders receive 50,000 bonus points if they spend $1,000 in the card’s first 90 days. That’s enough to purchase several hotel nights, depending on where you stay.
Choice cardholders who spend at least $10,000 a year will earn 8,000 bonus points – enough to purchase one free night at more than 1,500 hotels.
Below average points value
Choice points aren’t always worth as much as the average card reward point, so be strategic with how you spend them. Depending on how you choose to redeem your points, they may be worth less than a penny each. Most card rewards points are worth a penny or more.
To get the most value out of your points, redeem them for higher value hotel stays, such as an overnight trip in New York City or Vancouver.
Flexible redemption options
Choice offers a points-plus-cash option that lets you put 6,000 points toward the cost of a hotel stay (typically 8,000 or more points) and pay for the rest with cash or plastic. Points aren’t very expensive – 1,000 extra points costs $7.50 – $0.0075 per point. Choice also lets you redeem points for nonhotel options, such as gift cards and activities, but you’ll likely get the most value if you redeem your points for travel.
Rare hotel card balance transfer offer
Along with its ongoing rewards, the Choice Privileges card is one of the few hotel credit cards that offers a an introductory APR on balance transfers: You’ll get a 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After the first 15 billing cycles and for transfers that post to your account after 45 days of account opening, you’ll be charged a variable APR of 16.74%-26.49%. A balance transfer fee of $5 or 3% of the amount of each transfer (whichever is greater) also applies.
Large, worldwide network
Choice Hotels International operates 5,500 hotels in 35 countries around the world
Why get the Choice Privileges card?
- You frequently stay at Choice hotels.
- You want a hotel card with an extensive hotel network.
- You want maximum value, but don’t want to pay an annual fee.
- You plan to spend at least $10,000 a year.
- You are looking for a balance transfer card that you can also use for hotel rewards
How to use the Choice Privileges card:
- Use your card for all your Choice hotel purchases and any regular purchases that don’t earn spending bonuses on other cards.
- Spend at least $1,000 in the card’s first three months to earn the 32,000-point sign-up bonus.
- To get the most value out of the card, try to spend at least $10,000 a year to get one more free night’s stay each year.
Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy
All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.
Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It is not our partner’s responsibility to ensure all posts or questions are answered.