Choice Privileges® Visa® Card
Issued By: Bank of America |
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Card Issued by FIA Card Services, N.A.
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No Annual Fee
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Earn 2 Points Per Dollar on All Other Purchases
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Earn 15 Points for Every Dollar Spent at Choice Privileges Locations throughout the U.S., Canada, and Mexico, including Comfort Inn®, Comfort suites®, Quality®, Sleep Inn®, Clarion®, and MainStay Suites®
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1.9% Fixed Introductory Annual Percentage Rates (APR) on Purchases and Balance Transfers (Not Cash Advances) for the First 6 Months
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Earn a Free Night after Your First Purchase, Plus Earn Points on All Your Purchases
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
1.90% |
999 months |
999.000% |
none |
Purchases, Balance Transfers |
Very Good |
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Card Info Last Reviewed 2007-04-13 |
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Our Review
The Choice Privileges® Visa® Card, issued by FIA Card Services, N.A., is designed for those with very good credit who plan to take advantage of the reward program that is offered.
The reward program is by far the most attractive benefit of the card and is ideal for those who frequently stay at any of the Choice Privileges hotel locations. Cardholders earn two points for each dollar spent on general purchases and 15 points for each dollar spent at Choice Privileges locations throughout the U.S., Canada, and Mexico, including Comfort Inn®, Comfort Suites®, Quality®, Sleep Inn®, Clarion®, and MainStay Suites®. New applicants also receive 8,000 bonus points after their first purchase, which is enough for a free night at over 1,000 Choice Privileges locations.
There is no yearly limit on the number of points that can be earned; however, any points earned in a calendar year will expire on December 31st of the second calendar year following the year during which the points were earned. Earned points can be redeemed for free hotel stays, gift certificates to retailers and restaurants, and airline miles with many major airline partners. In addition, there is a unique donation option that allows cardholders to redeem their points toward donations to the Armed Forces Relief Fund and UNICEF.
The card offers a low introductory rate that can be applied toward purchases, balance transfers, and cash advance checks for the first six billing cycles with no annual fee. Although the interest rate for purchases and balance transfers is considered reasonable for a reward credit card, it is not ideal for those who plan to carry a balance after the introductory rate expires.
In addition to the reward program, this card offers common platinum benefits including online banking services, various travel and emergency assistance services, and purchase protection services.
Therefore, those who frequently stay at any of the Choice Privileges hotels (to earn additional points) and plan to pay in full each month (to avoid finance charges) will find the Choice Privileges® Visa® Card to be very beneficial.
Additional Perks
See website for card benefits.
Notations
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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