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Best Western Rewards® MasterCard® review

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Receive valuable perks including automatic Gold status and a discount on eligible bookings, with no annual fee.

  • 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.

16,000

Points as welcome offer

Up to 13x

Points

$0

Annual fee

18.74% to 22.74%

Purchase APR (variable)

Details

Product NameBest Western Rewards® MasterCard®
Card typeMastercard
Annual fee$0
Purchase APR18.74% to 22.74% variable
Balance transfer APR18.74% to 22.74% variable
Balance transfer fee$10 or 5% of the transaction, whichever is greater
Cash advance rate25.24% variable
Cash advance fee$15 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 21 days
Late payment feeUp to $39
Returned payment feeUp to $35

Expert review

Kevin Joey Chen

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®

  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.

The perks

  • 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.

    As a frequent Best Western customer, you’ll like the healthy point boost the card offers. Even if you don’t stay at the hotel chain often, 2x points is a decent rate.

  • 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.

You’ll also like …

  • No foreign transaction fees.

    Pay no transaction fees when you use your card abroad or at a foreign website. This is usually a 3% fee, and it can add up if you use your card often.

  • 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.

  • 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.

What to watch out for

  • 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 Surpass® Card
130,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees
Hilton Honors American Express Card
80,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
The World of Hyatt Credit Card
25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
4x 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 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
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Compare up to 4 providers

What should I know before I apply?

To apply for the Best Western Rewards® MasterCard®, you must be at least 18 years old.

Information you’ll need

  • Your full name and contact information.
  • Your residential status.
  • Your annual income, source of income and employment information.
  • Your Social Security number.

What credit score do I need?

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 are a few other factors that might affect your odds of approval:

  • Hard pulls on your credit report. If you have several hard inquiries on your report, it could imply you’re having trouble managing your debt. Creditors that think you’re desperate for credit may be less likely to approve you for more credit.
  • Factors that tie into your credit score. Banks prefer a low credit utilization when considering your for a credit card. That means a low balance relative to your credit limit. Many new card accounts are also a red flag, indicating that you’re desperate for credit or just hunting for signup bonuses.

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®

Rates & Fees

Best Western Rewards Premium Mastercard

Best Western Rewards Premium Mastercard

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

Summary of card features

Best Western Rewards® MasterCard®

Best Western Rewards® MasterCard®

  • Earn 16,000 bonus points after your first purchase and 16,000 bonus points on your first stay.

Best Western Rewards Premium Mastercard

Best Western Rewards Premium Mastercard

  • Earn more rewards on Best Western purchases as a member
  • Get Best Western Platinum Status
  • Valuable signup bonus

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.

Frequently asked questions

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