Tag: Choice Privileges Visa Signature Card

Choice Privileges Visa Signature Card: A Comprehensive Overview

The Choice Privileges Visa Signature Card, issued by Bank of America, is a co-branded credit card designed specifically for avid travelers and loyal guests of Choice Hotels. This card combines travel rewards with essential benefits and perks tailored to enhance your experience both on and off the road.

Card Type

Catering primarily to travelers, the Choice Privileges Visa Signature Card is classified as a travel rewards credit card. This card is ideal for individuals who frequently stay at Choice Hotels and seek to optimize their spending through rewards programs.

Annual Fee

One of the attractive features of the Choice Privileges Visa Signature Card is that it does not charge an annual fee. This benefit allows users to earn rewards without any additional financial burden, making it an enticing option for budget-conscious consumers.

Rewards Program

The rewards program of the Choice Privileges Visa Signature Card is structured to maximize earning potential. Cardholders earn 5 points for every dollar spent on Choice Hotels purchases, providing significant rewards on hotel stays. Additionally, users earn 2 points for every dollar spent on dining and other travel expenses, and 1 point for all other purchases. Points can be redeemed for hotel stays, gift cards, and other rewards options through the Choice Privileges loyalty program.

Sign-Up Bonus

Upon approval, new cardholders can take advantage of a lucrative sign-up bonus. Currently, users have the opportunity to earn 30,000 bonus points by spending $1,000 within the first 90 days from account opening. This bonus can go a long way in securing free nights at participating hotels, making it an attractive incentive for new applicants.

APR (Annual Percentage Rate)

The regular APR for purchases with the Choice Privileges Visa Signature Card varies based on creditworthiness, ranging from 16.99% to 23.99%. Currently, an introductory 0% APR is available for the first 12 months on purchases, allowing cardholders to finance larger expenses without incurring interest during this period.

Foreign Transaction Fees

This card is travel-friendly, as it does not charge foreign transaction fees. Travelers can make purchases abroad without worrying about additional charges, enhancing the cards appeal for those who frequently travel internationally.

Balance Transfer Options

The Choice Privileges Visa Signature Card offers a competitive balance transfer option with a 0% introductory APR for the first 12 billing cycles on balance transfers made within the first 60 days. After the introductory period, the regular APR applies. A balance transfer fee of either 3% or $10 (whichever is greater) will apply, making it a great choice for consolidating higher-interest debt.

Additional Fees

Users should be aware of other potential fees associated with this card. The late payment fee can be as much as $40, and cash advances come with a fee of either 3% or $10 (whichever is greater). Familiarizing oneself with these fees is essential for effective card management.

Card Benefits and Perks

Cardholders of the Choice Privileges Visa Signature Card enjoy a suite of benefits and perks. These include travel insurance, purchase protection, and access to exclusive Visa Signature concierge services. Additionally, cardholders are eligible for a complimentary upgrade at participating Choice Hotels.

Customer Protections and Insurance

Customer security is paramount with the Choice Privileges Visa Signature Card. Users can take comfort in the $0 Fraud Liability policy, which protects cardholders from unauthorized charges. The card also offers purchase protection and rental car insurance, providing added peace of mind during travel.

Eligibility and Credit Score Requirements

To qualify for the Choice Privileges Visa Signature Card, applicants are generally expected to possess a good to excellent credit score (typically 700 or higher). Other criteria may include income requirements and credit history evaluations.

Introductory Offers

As mentioned earlier, this card provides an introductory 0% APR on both purchases and balance transfers for the first 12 months. This offer can significantly help new users manage expenses and debt efficiently during the introductory phase.

Special Features or Unique Selling Points

One of the standout features of the Choice Privileges Visa Signature Card is the ability to earn free nights at participating hotels after accumulating a specified number of points. The card also offers unique access to select exclusive events and experiences for members. These perks set it apart from many other travel cards on the market.

How to Apply

Applying for the Choice Privileges Visa Signature Card is straightforward. Interested individuals can initiate the application process online through the UpCube.net and make an informed decision today. Apply Here to get started on your rewards journey!