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NerdWallet > Rewards Credit Cards > Choice Privileges Visa Credit Card
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Choice Privileges Visa Credit Card
Barclays Choice+Privileges+Visa Credit Card

(3/5 - 91 Votes)
Net Annual Rewards
$410
of Choice Points
Reward Rate
1.60%
Annual Fee
$0
Signing Promo
16,000 Choice Points Bonus - 8,000 Points after first purchase or transfer. Another 8,000 Points after paying for first stay with card.
APR, variable*
Min APR:
13.24%
Max APR:
16.24%
Default:
29.99%
Cash Adv:
21.99%
Intro APR Promotions
Purchase:
None
Transfer:
0% for 6 mos
Summary
  • Earn 2 points per $1 spent on purchases
  • NerdWallet estimates Choice Points are worth 0.8 cents each based on our analysis of room rates versus point redemption rates across several American cities
  • Earn 10 Points per $1 spent at 2,000 locations - MainStay, Suburban, Econo Lodge, and Rodeway
  • Earn 15 Points per $1 spent at 4,200 locations like Cambria Suites, Comfort Inn, Sleep Inn, Quality Inn, and Clarion
  • Earn 5 Points per $1 spent on other Choice purchases
  • Automatic Elite Gold Status, which gets you 40 day advance booking instead of 30 days, and a 10% point bonus every time you earn points for eligible stays

Compare To Our Most Popular Cards For The Category

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Compare To Blue Cash Preferred℠ Card from American Express

Why do we think you should consider this card?

Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership

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Reward Details & Calculator

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Rewards Type: Choice Points

Signing Promotion
($128=16,000 points)/2 yrs
$64
Estimated Annual Rewards
$21,600 * 1.60%
$346
Annual Fee, 2 yr avg
$0
Annual Rewards (Rewards less Fees)
$410

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 4.0%
$400
Promo APR, First 6 months
$0
APR, 18 months
$2,271
Total
$2,671

*Average APR for Balance Transfers of 11.9% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 0 months
0.00%
Ongoing EAR, 24 months
14.07%
Total EAR, 24 months
14.07%

APR Rankings

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APR
13.24%
ranks #1285 out of 1751 cards.
Average is 11.78%.
Balance Transfer Fee
4%
ranks #1317 out of 1639 cards.
Average is 1.67%.
Cash Advance APR
21.99%
ranks #534 out of 1002 cards.
Average is 18.74%.

Rewards Rankings

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Annual Fee
$0
ranks #1 out of 1773 cards.
Average is $9.
Base Reward Rate
1.6%
ranks #14 out of 963 cards.
Average is 0.99%.
Effective Reward Rate
1.6%
ranks #25 out of 958 cards.
Average is 1.04%.
Sign-up Bonus
$128
ranks #56 out of 1762 cards.
Average is $33.
Credit Card Review: Choice Privileges Visa Credit Card


Author:
NERDBOT

Should you get the Choice Privileges Visa Credit Card? We'll give you our take on the perks and drawbacks of this card and tell you how it stacks up against the Capital One® Venture℠ Rewards Credit Card. For a dynamic comparison of all our cards, check out our credit card tool.

NerdWallet Review: The Choice Privileges Visa Credit Card

No annual fee: The Choice Privileges Visa Credit Card has no annual fee. This means it's ideal for those who don't put much on their cards, and want to keep the card open for a long time. If you keep your credit cards open, you'll boost your average account age and thus your credit score.

No spending threshold for bonus: You'll get your bonus right away, instead of having to spend a certain amount. This means a (sort of) no-strings-attached promo!

Credit Card Showdown: Choice Privileges Visa Credit Card vs. Capital One® Venture℠ Rewards Credit Card

Same late payment fee: The Choice Privileges Visa Credit Card and the Capital One® Venture℠ Rewards Credit Card have the same late fee. Of course, you should avoid incurring late payment fees anyway. In addition to the late fee, but you may incur a hefty penalty APR that lasts for at least six months.

Bigger signup bonus: Impressively, the card has a bigger signup bonus than the Capital One® Venture℠ Rewards Credit Card, so get excited. This can be a pretty big determinant, especailly if you're looking to use the card just for the bonus (it's okay, we won't tell).

Read the full review of the Capital One® Venture℠ Rewards Credit Card on our blog

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