Choice Privileges® Visa Signature® Card — Full Review [2020]

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Choice Privileges® Visa Signature® Card — Full Review [2020]

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"The fastest way to earn Choice Hotel points!"

For those who frequent Choice Hotels, this card offers the opportunity to accumulate points quickly. Points can be redeemed for free stays, gift cards, and more.

You love to travel, and your favorite place to stay when you’re away is always a hotel from the Choice Portfolio.

With more than 6,300 hotels to choose from in over 35 countries, it’s easy to find a room you’ll love no matter where you go.

Sign up for the Choice Privileges® Visa Signature® Card, and you’ll earn loads of points on your stays. Plus, you’ll earn points on all of your everyday purchases too!

Redeem those points for rewards like additional night stays and more. All for doing something you do anyway!

Choice Privileges Card — Snapshot

  • Welcome Bonus & Info (Partner Content)
    • 32,000 bonus points after you spend $1,000 on purchases in the first 90 days after account opening – enough points for up to 4 FREE NIGHTS!
    • 8,000 anniversary bonus points every year you spend $10,000 or more on purchases with your card by your account anniversary date – enough points for up to 1 FREE NIGHT!
    • 2 points per $1 spent on everyday purchases
    • 15 points per $1 spent at eligible Choice Privileges locations with your Choice Privileges® Visa® Signature Card and Choice Privileges membership
    • 5 points per $1 spent on eligible purchases of Choice Privileges points or Choice Hotels gift cards
  • Card Categories:
  • Rewards Center
  • Customer Service Number
  • Login Link

The Ideal Cardholder

Barclaycard Choice Privileges® Visa Signature® Card hotel traveler
Enjoy some drinks by the pool or relaxing time in your room at a Choice hotel while earning lots of points with the Choice Privileges card. Image Credit: nd3000 via Shutterstock

Sign-Up Bonus, Earning Categories, and Points

The Choice Privileges card comes with a moderate sign-up bonus (see the card summary table above). Just spend the required amount in the allotted time and those points are all yours.

That’s enough points for up to 4 free nights!

Earn 15x points at participating Choice Privileges locations (10x points as a member of the Choice Privileges loyalty program plus 5x points for using the Choice credit card to pay).

Buy additional points or Choice Hotels gift cards and get 5x points per dollar. All other purchases are worth 2x points.

The Choice Privileges program works like most loyalty programs. You can redeem points for complimentary nights, upgrades, and a variety of other rewards.

Points don’t expire as long as you use them every 18 months. There’s no limit to how many points you can earn and no blackout dates either.

The card also comes with an introductory APR offer for balance transfers. If you have other cards with higher interest rates, transferring balances can save you big!

Bottom Line: Get a decent sign-up bonus, earn 2x-15x points for purchases, and enjoy an intro rate on balance transfers with the Choice Privileges card.

Elite Status and Anniversary Bonus Points

As a card holder, you are automatically awarded Gold elite status. Otherwise, you would need to stay 10 nights in a calendar year to qualify.

With Gold status, you can book free award nights 50 days in advance and earn 10% bonus points on eligible stays!

Also, every year that you spend at least $10,000 on your card by your account anniversary date, you get 8,000 bonus points!

Bottom Line: Get automatic Gold status and benefits with the Choice Privileges card. Plus, earn 8,000 points for spending $10K before your anniversary date.

Choice Privileges Program

The new Choice Privileges program is designed to help you earn free nights, instant rewards, and dream getaways quickly and easily.

Members get exclusive rates, including at least 2% off the hotel’s best available rate. Book stays at the following Choice Hotel brands directly at or through the Choice Hotels mobile app:

Choice Hotels
Comfort InnSuburban Hotels
Comfort SuitesSleep Inn
EconoLodgeQuality Inn
Quality InnCambria Suites
Rodeway InnMainstay Suites
Clarion HotelAscend Hotel Collection

Check out Choice Privileges rules and regulations here.

Bottom Line: Choice Privileges program members receive exclusive rates, and when you use your Choice Privileges card for stays you will get additional points for your stay!

Great Card If

  • You are a frequent traveler
  • You enjoy staying at Choice Hotels
  • You want the opportunity to earn a ton of points

Don't Get If

  • You prefer staying at hotels outside the Choice portfolio
  • You want to earn frequent flyer miles

Choice Privileges Card — Fees

  • Annual Fee
    • $0
  • Foreign Transaction Fees
  • Interest Rates
    • 16.99%, 21.74%, or 26.74% variable
  • Balance Transfers
    • 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), a variable APR will apply
    • 16.74%, 21.49% or 26.49%, based on your creditworthiness
    • $5 or 3% fee of the amount of each transfer (whichever is greater)
  • Cash Advance APR
    • 26.99% variable
    • $10 or 5% of the amount (whichever is greater)

Best Way to Maximize Choice Privileges Points

The trick to getting the most value out of the Choice Privileges card is to use it in as many ways as possible. For example, you can earn 10 points per dollar (plus card points) when you book a vacation rental.

Choose from villas, condos, homes, cabins!

The following are other strategies you can use to earn more Choice points:

Tip #1: Get airline rewards for each qualifying hotel stay. You must provide your membership number for the airline frequent flyer program at check-in.

The table below shows Choice Privileges airline partners participating in the program.

North American Airline PartnersInternational Airline Partners
Aeroplan: 500 miles/stayAirBerlin TopBonus: Up to 500 miles/stay
American Airlines AAdvantage: 250 miles/stayCzech Airlines OK Plus: 250 miles/stay
Club Premier: 250 miles (400 km)/stayAir New Zealand Airpoints – varies
Southwest Rapid Rewards: 1,200 points/stayQantas – varies
Free Spirit Spirit Airlines: 250 miles/stayVelocity Frequent Flyer – varies
Alaska Mileage Plan: 250 miles/stay
United MileagePlus: 250 miles/stay

See terms and conditions for more information.

Tip #2: Earn Amtrak Guest Rewards points when you stay at a Choice Hotel. Pick one of 2 options:

(1) Earn a straight 250 Amtrak Guest Rewards points (and no Choice Privileges points).


(2) Use “Your Extras” to earn both Choice Privileges points AND 100 Amtrak Guest Rewards points on qualifying stays.

“Your Extras” provides instant bonus perks when traveling midweek. These bonuses are in addition to any points or promotions. Use them for your current stay or save them for later.

In addition to Amtrak Guest Rewards, you can choose from the following options:

Reward Options
500 Choice Privileges points100 airline miles
fuel rewards ($0.20 per gallon)$2.50 Amazon credit
$5 coffee card$2.50 Uber trip discount

See here for Canadian and International options.

Choose your “Extra” preference in your online account under the “Your Extras” tab. (You MUST make the choice before check-in and cannot change your preference for that stay.)

Then, book a midweek stay (Sunday-Thursday nights).

Tip #3: Take a cruise to earn points. For a limited time, get 5 Choice Privilege points per dollar on over 155 ships and more than 20 different cruise lines. See here for additional details.

Tip #4: Transfer or Exchange Points from Choice Privileges partner programs.

Transfer…And Receive…
1,000 Membership Rewards1,000 Choice Privileges points
5,000 Amtrak Guest Rewards15,000 Choice Privileges points
1,250 Diners Club/Club Rewards2.400 Choice Privileges points

Tip #5: Shop the Online Mall and earn at least 1 point per dollar for all purchases. There are more than 900 participating retailers.

Tip #6: Become a member of other partner programs such as LifeLock, e-Rewards, or Vinesse Wine Club and earn points. Close on a new home loan or finance an existing mortgage by June 2017 and receive 50,000 bonus points!

Tip #7:  Need more points? You can buy them! Purchase up to 50,000 points per year and then redeem them for Choice Privileges Rewards.

earn choice points with cruises and Barclaycard Choice Privileges® Visa Signature® Card
Earn extra Choice Privileges points by booking cruises through their partner program, and earn even more when you use your Choice Privileges card! Image Credit: LaMiaFotografia via Shutterstock

Best Way to Redeem Choice Privileges Points

The redemption system for the Choice Privileges card can be a little confusing. Let’s take a closer look at your opportunities for redemption.

Option #1: Redeem points for digital gift cards through or the mobile app. Gift cards will be sent to your email address within 48 hours.

Redeem 16,000 points for a $50 gift card to over 80 restaurants and retailers. You can even give the card to someone else.

“Experiential Rewards” are also available for race car driving, dinner cruises, spa days, and more.

Option #2: With a minimum of 5,000 points, you can shop with any of the following online vendors:

Online Vendors
Heels.comClub Penguin
World Golf Tour

Option #3: Gift points to friends and family. Each cardholder can give up to 50,000 points annually.

Option #4: Redeem points for magazine subscriptions at the Mags for Points website.

Option #5: Redeem points to make a cash donation to a charitable organization. Find a complete list of participating organizations here.

Option #6: Transfer points to airline miles for domestic and international travel.

Soon cardholders will be able to initiate transfers online, but for now you’ll need to call 888-770-6800. Allow 2-6 weeks for transferred miles to post.

AirlineTransfer Ratio
Aeroplan, American Airlines AAdvantage, Club Premier, Alaska Mileage Plan, Spirit Airlines Free Spirit, United MileagePlus, AirBerlin TopBonus, Czech Airlines OK Plus5,000 pts = 1,000 miles
Southwest Rapid Rewards5,000 pts = 1,800 Rapid Rewards points
Air New Zealand Airpoints20,000 pts = 50 Airpoints
Virgin Australia Velocity Frequent Flyer20,000 pts = 3,000 Frequent Flyer points
Qantas Frequent Flyer20,000 points = 3,000 Frequent Flyer points

Option #7: Redeem points for cruise credit on over 155 ships and 22 different cruise lines.

Choice Privileges PointsCruise Credit

Credit will be used toward the purchase of your cruise. Call 800-596-0451 for details and to book your cruise.

Option #8: Enjoy Free Reward Nights for 6,000 to 35,000 points (75,000 in Australia). There are more than 1,500 hotels that require 8,000 or fewer points. No blackout dates apply.

Flex Rewards. Get free nights for fewer points during the week or on weekends when you take advantage of Flex Rewards. Redeem points for discounted reward nights at more than 1,500 properties.

When you log into the Choice Privileges site, you’ll be able to see the number of points needed for a free night by date on each hotel property page. Choose “Special Rate” from the drop-down menu to select “Choice Privileges Reward Night.”

Option #9: Don’t have enough points for a Reward Night? Just use Points Plus Cash and combine 6,000 points with cash instead. Points Plus Cash is available at any property that offers Reward Night point levels of at least 8,000 per night.

You can’t earn Choice Privileges points, airline miles, or Amtrak Guest Rewards points for Points Plus Cash stays. The maximum number of points you can purchase through Points Plus Cash per calendar year is 250,000.

Option #10: Save points by booking Flexible Free Nights at participating Choice Hotels. The number of points needed to redeem for this offer varies depending on the day of the week.

Book through, use the mobile app, or call 800-4CHOICE.

Choice Hotels has a wide variety of partners including the following;

Choice Hotel Portfolio: Ascend Hotel Collection, Suburban Hotels, Comfort Inn, Comfort Suites, Clarion Hotel, Suburban Hotels, Mainstay Suites, Sleep Inn, EconoLodge, Rodeway Inn, Cambria Suites, Quality Inn

North American Airline Partners: Aeroplan, United Airlines, Alaska Airlines, Spirit Airlines, Southwest, Club Premier, American Airlines

International Airline Partners: AirBerlin, Qantas, Air New Zealand, Virgin Australia Velocity, Czech Airlines

The Gritty Details: Everything Else You Need To Know

The rules of the card are similar to those of most hotel cards. The sign-up bonus is only available to new cardholders.

You cannot earn points during a billing cycle in which you haven’t paid the minimum due on time.

Bonus points are awarded at the close of the billing statement in which the qualifying transactions are posted and typically take 4-6 weeks to be deposited into your Choice Privileges Rewards account.

Anniversary bonus points are applied during the billing cycle following your account anniversary date, and they also take 4-6 weeks to be deposited into your Choice Privileges Rewards account.

In order to earn airline miles, your name must be on the frequent flyer membership. Allow 2-4 weeks for the miles to post after your stay.

Points Plus Cash rewards nights don’t count toward elite status. The cash portion of cancelled Points Plus Cash reservations is non-refundable.

If you cancel before the deadline, the points you purchased will be refunded along with the original points.

Read the full terms and conditions of the Choice Privileges card for more info.

Other Unique Features

The card comes with the following Visa Signature benefits:

$0 fraud liability – If your card is lost, stolen, or fraudulently used, you won’t be held responsible for unauthorized transactions.

Visa Signature concierge service – Get help with buying gifts, booking tickets to a show, travel research, and more 24/7.

Travel and emergency assistance – Get cash within 1 business day (and maybe even 24 hours) when you have an emergency on a trip. When you call, Visa will help navigate you to the nearest bank where you can pick up the cash.

Travel accident insurance – Coverage for you and your family members in case of an accident.

Lost luggage reimbursement – Eligibility for reimbursement if your luggage is lost by the carrier.

Auto rental collision damage waiver – Collision and theft coverage for your rental car when you use your card.

Roadside dispatch – Toll-free referral dispatch for emergency roadside assistance 24 hours a day for help with fuel delivery, tire changes, towing, and more. (Not a standard benefit. Check your agreement for more information.)

Emergency card replacement/cash disbursement – Get an emergency card or a card replacement in 1 business day if your card is damaged, lost, or stolen.

Frequently asked questions

What is the Choice Privileges card? Is it worth it?

The card allows you to earn points for purchases and redeem them for rewards in the Choice Privileges program.

Earn 15 points per dollar for stays at Choice Hotels as a Choice Privileges member and Choice credit card holder.

Also, earn 5 points per dollar for purchasing Choice Hotels’ gift cards and 2 points per dollar for all other purchases.

Because it is a Visa Signature card, you receive a variety of shopping, entertainment, and travel perks, including $0 fraud liability and access to concierge service 24/7.

If you stay at Choice Hotels on a regular basis, you can find considerable value from the card.

Is there an annual fee for the Choice Privileges card?

No, the card does not have an annual fee.

Does the Choice Privileges card have a sign-up bonus?

Yes, typically it does. See the card summary table above for the current sign-up bonus info.

Is there a 0% introductory APR offer with the Choice Privileges card?

Yes, typically. See the card summary table for the current offer.

How do I enroll in the Choice Privileges reward program?

How do you redeem points for rewards with the Choice Privileges card?

To redeem points for rewards, log into your Choice Privileges account. You can find out which redemption options you qualify for and make the redemptions from your account.

Where can I view my Choice Privileges statements?

Access your online account to see your Choice Privileges statements. Click on “Stay Activity” to select the statement period you would like to view, and then click “Go.”

Do points earned with the Choice Privileges card expire?

Points don’t expire as long as you are an active Choice Privileges member. You must have at least 1 qualifying activity every 18 months to maintain active status and retain accumulated points.

Are there travel partners associated with the Choice Privileges Rewards Program?

The Choice Hotels include the following: Quality Inn, Sleep Inn, Ascend Hotel Collection, Suburban Hotels, Comfort Inn, Comfort Suites, Mainstay Suites, Clarion Hotel, Suburban Hotels, EconoLodge, Cambria Suites, and Rodeway Inn.

North American Airline Partners include: United, Alaska Airlines, Southwest, Club Premier, Spirit Airlines, American Airlines, and Aeroplan.

International Airline Partners include: AirBerlin, Czech Airlines, Qantas, Virgin Australia Velocity, and Air New Zealand.

Is there a foreign transaction fee for using the card internationally?

Yes, there is a 3% foreign transaction fee when you make international purchases.

Which is better, the Choice Privileges card or the Barclays Rewards MasterCard®?

The Barclays Rewards MasterCard® earns 2 points per dollar for gas, utilities, and grocery store purchases, plus 1 point per dollar for all other purchases. It does not have a sign-up bonus.

The Choice Privileges card earns 15 points per dollar for Choice Hotel stays, 5 points per dollar for purchases of Choice Hotel points and gift cards, and 2 points per dollar for all other purchases.

The decision about which card is better needs to be made based on how often you stay at Choice Hotels and whether you want a card that helps you rebuild credit, like the Barclays Rewards MasterCard®.

What is the login for the Choice Privileges card?

Log in to your account at the Barclays website.

Alex Miller

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.

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