Radisson Rewards Platinum: Valuable Perks, but Not Open to Direct Applicants

You'll be considered for this card only if you don't qualify for its higher-tier sibling. But this version still brings a lot to the table, including most notably a 25,000-point bonus each year after you pay the annual fee.

Funto OmojolaJanuary 20, 2021
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Our Take

The bottom line: Although point values are low compared with those of other hotel programs, loyal Radisson customers may find great worth out of this card — mainly thanks to the 25,000-point anniversary bonus you’ll get every year.

Radisson Rewards™ Platinum Visa® Card

Radisson Rewards™ Platinum Visa® Card

Annual Fee

$50

Regular APR

15.99% - 24.99%, Variable

Intro APR

N/A

Recommended Credit Score

Quick FactsView rates and fees

Pros & Cons

Pros

  • High rewards rate

Cons

  • Has annual fee

Alternate Pick: No annual fee

Discover it® Miles
NerdWallet rating 

Discover it® Miles

Flexible redemption options

This $0-annual-fee card earns 1.5 miles per dollar spent on all purchases. Miles are worth one cent each when redeemed for travel purchases, including hotel stays. It also comes with a lucrative sign-up bonus.

Read our review

Compare to Other Cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$250

Regular APR

11.99% - 22.99% Variable APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

See Pay Over Time APR

Rates & Fees

Intro APR

0% intro APR on Purchases for 14 months and 10.99% intro APR on Balance Transfers for 14 months

Intro APR

N/A

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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Full Review

The Radisson Rewards™ Platinum Visa® Card can provide great value for frequent Radisson customers — but it isn't possible to apply for this card directly. You will automatically be considered for it only if you aren't first approved for the higher-tier Radisson Rewards Premier Visa Signature® Card.

(U.S. Bank issues three different Radisson credit cards, with varying rewards and benefits and at three different price points. Consult the table below to see how they stack up.)

The good news is that even if you qualify just for this midtier version, it still has a lot to offer, including a 25,000-point anniversary bonus that you get when you renew your card each year. That alone can make up for the card's $50 annual fee. Plus, it grants you automatic Silver Elite status, which comes with a slew of perks, as well as a substantial sign-up bonus and generous ongoing rewards.

But as with some other co-branded hotel cards, the Radisson Rewards™ Platinum Visa® Card offers little flexibility, especially considering the relatively low value of Radisson points and the chain's limited footprint.

Radisson Rewards™ Platinum Visa® Card: Basics

Card type: Hotel.

Annual fee: $50.

Sign-up bonus: Up to 60,000 Bonus Points - receive 50,000 points after your first purchase plus 10,000 points once you spend $1,500 on your card within the first 90 days.

Ongoing rewards: 

  • 6 points per $1 spent in eligible net purchases at participating Radisson Family of Hotels.

  • 3 points per $1 spent in eligible net purchases everywhere else.

NerdWallet values Radisson points at 0.3 cent each. This is a baseline value, drawn from real-world data, not a maximized value. In other words, you should aim for award redemptions that offer 0.3 cent or more in value from your Radisson points.

Points can be redeemed for free award nights or gift cards, or they can be transferred to airline partners, among several other options. However, redeeming points for options other than hotel stays yield the lowest points value.

APR: The ongoing APR is 15.99% - 24.99%, Variable

Foreign transaction fee:

  • 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars.

  • 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency.

Other benefits:

  • Automatic Silver Elite status, which comes with several valuable perks, including a points bonus, as well as room upgrades and late checkout when available.

  • Anniversary bonus: Earn 25,000 points every year you renew your card and pay the annual fee.

  • Earn up to three free nights: Earn a free night e-certificate every time you spend $10,000, up to $30,000, when you renew your card by paying the annual fee.

Why you might want the Radisson Rewards™ Platinum Visa® Card

Valuable anniversary bonus 

With the Radisson Rewards™ Platinum Visa® Card, you’ll earn a 25,000-point anniversary bonus every year, when you renew your card by paying the annual fee. You could potentially get two free nights a year out of this offer, depending on the type of room you opt for. (Redemptions toward standard Radisson rooms start at 9,000 points, but can range up to more than 100,000 points per night for a premium room.)

Radisson points have a low value compared with other hotel chain reward programs, but based on NerdWallet’s valuation, the 25,000 anniversary points are still worth at least $75 a year — more than enough to offset the card’s $50 annual fee. In effect, you’re getting paid to hold on to the card.

Sizable welcome offer, Rich ongoing rewards

Anniversary points are recurring when you pay your annual fee, but the card also features a one-time sign-up bonus right off the bat: Up to 60,000 Bonus Points - receive 50,000 points after your first purchase plus 10,000 points once you spend $1,500 on your card within the first 90 days. That's enough for multiple free stays.

The Radisson Rewards™ Platinum Visa® Card also comes with robust ongoing rewards: Earn 6 points per $1 spent at participating Radisson properties, and 3 points per $1 spent on all other purchases. Further, thanks to the automatic Silver status you get with the card, you’ll earn an additional 22 points for every $1 you spend on eligible Radisson stays, as well as on food and beverages charged to your room during eligible stays.

Combined with base-level rewards, that's a whopping 28 points per $1 spent when you stay with Radisson.

Automatic elite status

This status, which is a step up from the base-level membership but lower than Gold and Platinum, comes with the points boost mentioned above, and also things like:

  • A 10% discount on food and beverages at participating hotel restaurants.

  • Complimentary room upgrades at check-in, subject to availability.

  • Early check-in and late checkout, subject to availability.

Further, if you already have Silver status when you apply and are approved for the card, you can earn a credit of 10 nights toward attaining Gold status, which confers even more benefits.

How the Radisson Rewards™ Platinum Visa® Card compares with other Radisson cards 

The Radisson Rewards™ Platinum Visa® Card is the middle sibling of the Radisson family. Applicants will automatically be considered for this midtier option if they aren't approved for the higher-tier Radisson Rewards Premier Visa Signature® Card, which comes with a larger anniversary bonus, but a more expensive annual fee.

The $0-annual-fee Radisson Rewards™ Visa® Card isn't as valuable as the other two options, but may make sense for frugal travelers whose Radisson stays are few and far between.

Here’s how the cards compare:

Sign-up bonus: Up to 85,000 bonus points - receive 50,000 points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days.

Rewards: 10 points per dollar spent at participating Radisson properties; 5 points per dollar spent on all other purchases.

Anniversary bonus: 40,000 points each year after paying the annual fee.

Sign-up bonus: Up to 60,000 Bonus Points - receive 50,000 points after your first purchase plus 10,000 points once you spend $1,500 on your card within the first 90 days.

Rewards: 6 points per dollar spent at participating Radisson properties; 3 points per dollar spent on all other purchases.

Anniversary bonus: 25,000 points each year after paying the annual fee.

Sign-up bonus: Earn a bonus of 30,000 points when you spend at least $1,000 in net purchases on your card within 90 days of account opening.

Rewards: 3 points per dollar spent at participating Radisson properties; 1 point per dollar spent on all other purchases.

Anniversary bonus: None.

Drawbacks and alternatives to consider

You can’t apply for the card directly

The main caveat of the Radisson Rewards™ Platinum Visa® Card is that it isn't possible to apply for it directly. If you apply for the higher-end Radisson Rewards Premier Visa Signature® Card but don't qualify, you'll automatically be considered for this option.

You’ll need good to excellent credit to qualify for either card, which is typically defined as a credit score of 690 or higher.

No automatic free night 

In many cases, a 25,000-point anniversary bonus won’t be sufficient to cover a full stay. And while the Radisson Rewards™ Platinum Visa® Card card does allow you to spend your way to more free nights — up to three nights per year — those spending thresholds are steep.

If you want a straight shot to an automatic free night, consider instead the Marriott Bonvoy Boundless™ Credit Card. The $95-annual-fee card offers an automatic free night yearly, which can get you a stay worth up to 35,000 points. Plus, the card offers the following generous sign-up bonus: Earn 75,000 Bonus Points after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless™ Credit Card!

You’re locked into the Radisson system 

While you’ll find more than 1,100 Radisson properties worldwide, the brand is not as far-reaching as other hotel chains. You might find more use out of a flexible travel card with points that can be redeemed more easily.

The Chase Sapphire Preferred® Card, for example, earns 2 points per $1 spent on travel and dining, and 1 point per $1 spent on all other purchases. Points are worth 1.25 cents each when redeemed for travel through Chase, and points can also be transferred to a multitude of airline and hotel partners at a 1:1 ratio. The card also comes with the following lucrative welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases.. It charges an annual fee of $95.

Is the Radisson Rewards™ Platinum Visa® Card right for you?

While you can’t apply directly for this card, its anniversary bonus and high ongoing rewards rate can make it a rewarding choice for those who frequently stay with Radisson.

To view rates and fees of the American Express® Gold Card, please visit this page.