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Tag: hotel perks
Kimpton Hotels Rewards Visa
Kimpton Hotels Rewards Visa: Your Ultimate Travel Companion
Card Name and Issuer: The Kimpton Hotels Rewards Visa is a co-branded travel rewards credit card issued by IHG (InterContinental Hotels Group). This card is tailored for loyal Kimpton hotel guests and travel enthusiasts seeking to earn points for their frequent stays at Kimpton properties across the United States and beyond.
Card Type: As a co-branded travel rewards card, the Kimpton Hotels Rewards Visa allows users to earn rewards points specifically for their purchases, geared towards maximizing benefits in the hospitality and travel sectors.
Annual Fee: The card comes with an annual fee of $75. This fee is quite standard for co-branded travel rewards cards, considering the wealth of benefits available through the rewards program.
Rewards Program: The Kimpton Hotels Rewards Visa features an attractive rewards structure. Cardholders earn 2 points for every dollar spent on purchases at Kimpton hotels. Additionally, they earn 1 point for every dollar spent on all other purchases. Points can be redeemed for free nights at Kimpton properties, gift cards, or transferred to IHG Rewards Club for various travel perks.
Sign-Up Bonus: New cardholders are welcomed with a sign-up bonus of 20,000 points after spending $1,000 on purchases within the first three months of account opening. This generous offer is a great way to kickstart your journey towards free hotel stays.
APR (Annual Percentage Rate): The Kimpton Hotels Rewards Visa offers a competitive regular APR range between 15.99% and 22.99%, depending on creditworthiness. There is no introductory APR offer on this card, so new users should consider the APR when planning their budget.
Foreign Transaction Fees: Good news for international travelers! The Kimpton Hotels Rewards Visa does not charge foreign transaction fees. This feature allows users to freely use their card while traveling abroad without incurring additional costs.
Balance Transfer Options: Currently, there is no promotional balance transfer offer available for the Kimpton Hotels Rewards Visa. Cardholders interested in transferring a balance should consider the card’s regular APR accordingly.
Additional Fees: In addition to the annual fee, cardholders might incur fees for late payments, which could range up to $40. Cash advance fees are also applicable, typically $10 or 5% of the amount of each cash advance, whichever is greater. It’s important to be mindful of these fees to avoid unnecessary charges.
Card Benefits and Perks: The Kimpton Hotels Rewards Visa offers a range of valuable benefits. This includes complimentary upgrades, early check-in and late check-out privileges at Kimpton hotels, and exclusive access to special hotel events. Additionally, cardholders can enjoy travel insurance, including trip cancellation and interruption coverage, providing peace of mind when traveling.
Customer Protections and Insurance: Cardholders benefit from robust customer protections. Fraud liability ensures you are not responsible for unauthorized charges, while purchase protection covers eligible items against theft or damage. Furthermore, rental car insurance is available when you use your card to reserve your rental vehicle, adding an extra layer of security during your travels.
Eligibility and Credit Score Requirements: The Kimpton Hotels Rewards Visa typically requires a good to excellent credit score for approval, which is generally considered to be a score of 700 or above. Applicants should ensure they meet this criterion to enhance their chances of approval.
Introductory Offers: While the card does not currently feature any introductory 0% APR offers, the ongoing rewards program and sign-up bonus can significantly benefit those who frequently stay at Kimpton properties.
Special Features or Unique Selling Points: A standout feature of the Kimpton Hotels Rewards Visa is the opportunity to earn a complimentary night stay at Kimpton Hotels after spending $20,000 in a calendar year. Moreover, cardholders can enjoy exclusive concierge services, elevating their travel experience.
How to Apply: Interested individuals looking to reap the benefits of the Kimpton Hotels Rewards Visa can easily apply online. Visit the official website here: ‘>Apply Here to start your journey with this premium card. For more insights into financial decisions, explore UpCube.net for further financial insights.
Choice Privileges Visa
Choice Privileges Visa: Your Gateway to Travel Rewards and Savings
The Choice Privileges Visa is an enticing credit card issued by the Choice Hotels International, designed specifically for travelers and those who frequently engage with the Choice Privileges rewards program. As a co-branded credit card, it offers unique benefits that align perfectly with travelers’ needs, making it an excellent choice for those looking to maximize their rewards and travel experiences.
Card Type
This credit card operates primarily as a travel rewards card. It allows cardholders to earn points on everyday spending and unlock exclusive benefits within the Choice Privileges network. This makes it ideal for frequent travelers who enjoy staying at hotels and redeeming points for free nights and other perks.
Annual Fee
One of the standout features of the Choice Privileges Visa is that it comes with no annual fee. This makes it accessible for users who want to earn rewards without the burden of yearly fees, particularly appealing to budget-conscious travelers.
Rewards Program
The rewards program associated with the Choice Privileges Visa is robust and alluring. Cardholders earn 5 points for every dollar spent on eligible purchases at participating Choice Hotels and 3 points for dining and gas purchases. Additionally, users earn 1 point per dollar spent on all other purchases. These points are redeemable for free nights at Choice Hotels, travel experiences, gift cards, and more, making it incredibly versatile for travelers looking to save on accommodations.
Sign-Up Bonus
Upon approval, new cardholders can take advantage of a lucrative sign-up bonus. You can earn a generous number of bonus points (for example, 20,000 points) after spending a specified amount on purchases within the first 90 days of account opening. This bonus can cover at least two free nights at eligible hotels, providing significant value right from the start.
APR (Annual Percentage Rate)
The Choice Privileges Visa offers a competitive regular APR that typically hovers around 17.99% to 24.99%, depending on creditworthiness. Additionally, there may be an introductory offer featuring a 0% APR on purchases for the first 12 months, helping users manage their finances without incurring interest during that initial period.
Foreign Transaction Fees
Travelers will appreciate that the Choice Privileges Visa does not impose any foreign transaction fees. This feature allows cardholders to use the card abroad without worrying about additional charges, making it a practical option for international travelers.
Balance Transfer Options
For those looking to manage existing debt, the card provides advantageous balance transfer options. There may be promotional offers, such as 0% APR on balance transfers for an introductory period, typically lasting 12 to 15 months, with a transfer fee applicable, usually around 3-5% of the transferred amount.
Additional Fees
While the Choice Privileges Visa boasts no annual fee, users should be aware of other common fees. For example, late payment fees can be up to $39, and cash advance fees generally range from $10 or 3% of the amount, whichever is greater. Understanding these fees allows cardholders to use the card responsibly and avoid surprises.
Card Benefits and Perks
The card is packed with exciting benefits, including travel insurance, which covers lost luggage and trip cancellations, and purchase protection, safeguarding new purchases against theft or damage for up to 90 days after the purchase date. Furthermore, cardholders may also enjoy access to exclusive hotel perks and discounts, enhancing their travel experience.
Customer Protections and Insurance
With the Choice Privileges Visa, cardholders benefit from significant customer protections. This includes $0 fraud liability, ensuring users are not accountable for unauthorized charges. Additional protections, such as rental car insurance and extended warranty benefits, provide further peace of mind when using the card for travel-related expenses.
Eligibility and Credit Score Requirements
Approval for the Choice Privileges Visa typically requires a good to excellent credit score, generally in the range of 700 or higher. Applicants should also consider their income and credit history, as these factors will influence their eligibility.
Introductory Offers
As noted previously, the card may feature attractive introductory offers, such as a lengthy 0% APR on purchases for the first year and promotional bonus points for new sign-ups. These offers add incredible value for those looking to maximize rewards quickly.
Special Features or Unique Selling Points
One of the cards unique selling points includes the opportunity to earn free nights in Choice Hotels via the points system. Members can redeem their points not just for stays but also for gift cards, travel experiences, and more. This flexibility stands out among other travel rewards cards.
How to Apply
Applying for the Choice Privileges Visa is a straightforward process. Prospective cardholders can fill out an application online through the ‘>Official Website.
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