Save On Hotel Stays With The Choice Privileges Visa Card

Saving money when you travel means having more money to have fun on. The Choice Privileges Visa Card allows you to earn points that can be redeemed toward free nights in Choice Privileges locations. This can help you save on your travel expenses.

The Choice Privileges Visa Card is a rewards credit card that rewards its cardholders in the way of free nights in any of a large number of Choice Hotels. From the first use of the card, cardholders are given bonus points that help them earn free nights at any of the many Choice Privileges locations. This is a way in which those who like to travel can save on their travel.

Even if you don't travel frequently, you can save your points and use them to save money when you do. Whether you are traveling to take care of business or for a family vacation, you can save a great deal of money on your hotel expenses just by using your credit card.

Choice Privileges Rewards Program

The Choice Privileges Rewards program is offered by Choice Hotels International. This means that Choice Hotels is solely responsible for the terms and conditions of the program, as well as the point accumulation in their Rewards program.

On the closing date of every billing cycle that the account is open and in good standing, Barclays will report the Net Purchases charged to the card to Choice Hotels. Choice Hotels will then apply the points to the rewards program accordingly. If credits are granted for purchases that are returned, then the points will be removed. If by some chance the points for returns exceed the number of points gained, then a negative point balance will occur.

To participate in this rewards program, the account must remain open and in good standing. Creditworthiness must also be maintained and the card has to be used for at least one purchase in a six month period. Failure to meet the requirements can result in the account being closed and all outstanding points being forfeited. In addition, a payment being made late in the billing cycle could result in point loss for that particular cycle.

Cardholders also automatically receive Elite Gold status, which gives the cardholder the opportunity to book free nights up to 50 days in advance instead of the usual 30 days. When points are earned for eligible stays, the Choice Privileges program awards a 10 percent point bonus.

Eligibility

To receive these money-saving benefits, you have to be a U.S. resident 18 years of age and older and you have to meet the credit requirements, as well as have an income that Barclays, the card issuer, deems sufficient enough to have the card.

If you are eligible, then all you have to do is fill out the online application. It is fast and simple. All you have to do is fill out your name, address, and identifying information. You then fill out your contact and security information so you can move on to specifying cards you wish to transfer balances from. You can also specify whether or not you need an additional card.

Once you fill out all of the required information and you agree to the terms and conditions, you will know in approximately 30 seconds whether or not you have been approved for the card. From there, you wait approximately two weeks and your card will arrive in the mail.

No Annual Fee

One of the features of the card is the fact that it has no annual fee. This is significant since many rewards cards have annual fees to help pay for the rewards program. Nonetheless, this is different because the Choice Privileges program is even offered to non-cardholders. This is why individuals who are already members can get this card and apply their member number to it when they apply.

In addition to the fact there is no annual fee, the APR is reasonable. Barclays typically offers multiple tiers of APRs based on creditworthiness. In this case, there are two tiers and the lower of the two is quite competitive, while the upper tier is more of an average rate. The APR for both purchases and balance transfers are the same. Cash advances, on the other hand, have a different APR. It is typically higher and it can also be based on creditworthiness.

In addition to these APRs, there are fees associated with balance transfers and cash advances. These fees are a minimum dollar amount or a percentage of the transaction, whichever is greater. Foreign transaction fees are also charged as a percentage of the transaction. When the card is used anywhere where Visa is accepted outside of the United States, the fee will be charged in U.S. dollars.

The last set of fees is the late payment fee and the returned payment fee. Both of these fees can vary by state. Nonetheless, a returned payment that results in a late payment will result in both the returned payment fee and the late fee being charged. When a payment is made late, there is a penalty APR that is also applied to the account and it can be applied indefinitely.

If you wish to save money on interest, you can pay off your entire balance within the 23 days after the close of the billing cycle. Paying your entire balance before the due date doesn't eliminate the balance transfer or cash advance APR, but it does keep you from having to pay the purchase APR and this can save you a lot of money. It even enhances the worth of the points earned from those purchases.

Conclusion

When you want to save money on travel, earning points and redeeming them toward hotel stays is a way it can be done. The Choice Privileges Visa Card is a card that gives you the savings that you want so you can travel with ease.