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Best Western Rewards® MasterCard® review

Get automatic Gold status and a discount on eligible bookings.

  • Get this card if you’re a Best Western regular, or if you want to save up for an occasional stay.
  • Pick something else if you want general travel rewards or premium perks.
  • Apply with a good to excellent credit score of 670 or higher.
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16,000

Points as welcome offer

Up to 13x

Points

$0

Annual fee

18.74% to 22.74%

Purchase APR (variable)

Details

Annual fee$0
Welcome offer16,000 points after your first purchase and 16,000 points on your first stay
Rewards13x points at Best Western (using your card as a member) and 2x points on everything else
Purchase APR18.74% to 22.74% variable
Balance transfer APR18.74% to 22.74% variable
Minimum Credit Score670
IssuerMastercard
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Review by


Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The Best Western Rewards® MasterCard® isn’t for everyone, but it’s a strong choice for two types of travelers.

If you’re a frequent Best Western customer, you’ll like generating as many points as you can. You’ll maximize your rewards with this card, and you can quickly rack up free nights through consistent stays.

You might also like this card if you travel infrequently but are certain you’ll stay with Best Western on your next vacation. On top of accelerated rewards for Best Western purchases, the card offers more than the industry standard 1x points on non-Best Western purchases, so you can still accumulate significant rewards from everyday spending.

How to apply for the Best Western Rewards® MasterCard®

To apply for the Best Western Rewards® MasterCard®, you must be at least 18 years old. You’ll have a better chance of being approved for this card if you apply with a good to excellent credit score of 670 or higher. Here’s how to apply:

  1. Go to the First Bankcard website and click Apply now.
  2. Complete the application with details like your name, address, annual income and Social Security number.
  3. Review and submit your application.

Best Western Rewards® MasterCard® benefits

  • Annual fee: None.

    Start earning accelerated rewards on Best Western stays for no annual fee.

  • Signup bonus: Up to 32,000 bonus points.

    Earn 16,000 points after your first purchase, and another 16,000 points on your first Best Western stay.

    This is a solid bonus. It’s typically good for two free nights, as the average stay costs 16,000 points. And it could be worth more, as you’ll find free Best Western nights as low as 8,000 points.

  • Rewards: More points on Best Western stays.

    Free membership with Best Western Rewards® earns you 13x points when you use your card for Best Western stays. Nonmembers earn only 3x points on Best Western stays.

    Earn 2x points on all other purchases. Best Western nights cost between 8,000 and 36,000 points each. You can use your points to pay for your booking when you reserve through the Best Western website. You can also use them when you call the Best Western reservations line or an eligible property’s direct reservations line, and when you book through the Best Western mobile application.

  • Automatic Gold Elite status.

    Jump to Gold status in the Best Western Rewards program. Typically, you’d need 10 nights, 7 qualifying stays or 10,000 points to qualify for this tier. Gold comes with enhanced perks like extra points or a thank-you gift upon arrival, early check-in, late checkout and a 10% points bonus per stay.

  • Discounts on select Best Western bookings.

    Receive a 10% discount when you book an eligible room at the Best Western Rewards Rate. If you’re a Best Western regular, these savings can add up.

  • Travel benefits.

    Receive travel accident insurance when you use your card to purchase travel fare. Also receive auto rental insurance when you pay for your rental with your card. It’s a solid pair of benefits for a no-annual-fee travel card. This card also has no foreign transaction fees.

  • Purchase benefits.

    Receive purchase protection on eligible items you buy with your card. For 90 days after the purchase date, you’ll receive up to $1,000 for an eligible claim. And you’ll receive extended warranties for a maximum of one additional year on eligible items.

Best Western Rewards® MasterCard® drawbacks

  • High APR.

    Your purchase and balance transfer APR will be 18.74% or 22.74% variable. That’s a high rate considering the average credit card APR is 16%. It’s a good idea to pay off your balance on your Best Western Rewards® MasterCard® each month.

Compare hotel credit cards

Name Product Welcome Offer Rewards Annual fee Filter values
Hilton Honors American Express Card
Earn 150,000 points after spending $1,000 in the first 3 months. Also, earn another 50,000 points after spending a total of $5,000 in the first 6 months.
7x points on eligible Hilton purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other eligible purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points on eligible Hilton purchases, this is a solid pick for Hilton fans and occasional travelers. Terms apply, see rates & fees
Marriott Bonvoy Brilliant™ American Express® Card
Limited Time Offer: 150,000 points and a bonus Free Night Award after spending $5,000 in eligible purchases in the first 3 months. Resort fees may apply, offer expires 11/3/2021
6x Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3x at US restaurants and on flights booked directly with airlines and 2x points on all other eligible purchases
$450
Earn a huge limited time welcome offer worth up to $1,500. Offer expires November 3, 2021. Terms apply, see rates & fees
The World of Hyatt Credit Card
30,000 points after spending $3,000 on purchases in the first 3 months. Plus 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months
9x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 30,000 points after spending $3,000 on purchases in the first 3 months. Plus earn 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months.
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Compare up to 4 providers

If this card isn’t right for you or you don’t often stay at Best Westerns, compare other hotel cards on the market to find a product that’s right for you.

    Best Western Rewards® MasterCard® vs. Best Western Rewards Premium Mastercard

    When comparing these two Best Western credit cards, consider several factors including the annual fee and the rewards rate. The premium card offers more reward points, but it charges an annual fee. Weigh in whether you can offset the annual fee with the rewards you earn, or whether the no-annual-fee card makes more sense based on your spending.

    Best Western Rewards® MasterCard®

    Best Western Rewards® MasterCard®

    Terms apply, see rates & fees

    Best Western Rewards Premium Mastercard

    Best Western Rewards Premium Mastercard

    Terms apply, see rates & fees

    Best for
    Best for
    • Premium Best Western perks
    • Best Western rewards with no annual fee
    Welcome offer
    Welcome offer

    16,000 points after your first purchase and 16,000 points on your first stay

    50,000 points after spending $1,000 in the first 3 billing cycles

    Rewards
    Rewards

    13x points at Best Western (using your card as a member) and 2x points on everything else

    20x points at Best Western (using your card as a member) and 2x points on all other purchases

    Purchase APR
    Purchase APR

    18.74% to 22.74% variable

    16.74% to 22.74% variable

    Annual fee
    Annual fee $0 $0 intro annual fee the first year, then $59
    Balance transfer APR
    Balance transfer APR 18.74% to 22.74% variable 16.74% to 22.74% variable
    Cash advance
    Cash advance

    APR: 25.24% variable

    Fee: $15 or 5% of the transaction, whichever is greater

    APR: 25.24% variable

    Fee: $15 or 5% of the transaction, whichever is greater

    Foreign transaction fee
    Foreign transaction fee None None
    Late payment fee
    Late payment fee Up to $39 Up to $39
    Additional cardholder fee
    Additional cardholder fee
    Interest-free period
    Interest-free period 21 days 21 days
    Minimum interest
    Minimum interest $1.75 $1.75
    Minimum credit score
    Minimum credit score 670 N/A
    Card type
    Card type Credit Credit

    Best Western Rewards® MasterCard® reviews and complaints

    As of October 2020, First National Bank of Omaha — First Bankcard’s parent company — receives a 1.8 out of 5 ratings from consumers at BBB. The agency has accredited the bank in 1984 and it rates the bank with a high A+.

    I got the card. Now what?

    • Make payments on time.

      Register an account on the First Bankcard website to pay your balance online. You can also enroll in autopay.

    • Avoid interest.

      After the close of each billing cycle, you have a grace period of at least 21 days to pay your balance. If you do, you won’t pay interest on your purchases.

    • Avoid fees.

      For each late payment, you’ll incur a fee of up to $39.

    • Contact customer service.

      If you have questions about your account, call the number on the back of your card. Alternatively, call 888-295-5540 for the general credit card customer service line.

    Bottom line

    Consider picking up the Best Western Rewards® MasterCard® if you’re a regular Best Western customer or will stay with the chain on occasional trips. With automatic Gold status and booking discounts, the card is most useful if you’re a frequent guest.

    If you’re not sure this card is right for you, consider other hotel credit cards.

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