Choice Privileges® Visa Signature® Card review

How to apply for the Choice Privileges® Visa Signature® Card?

1. Go to the Barclays website and select the Choice Privileges® Visa Signature® Card from the list of travel cards, then click Apply now.
2. Complete the application with your details
3. Review your application and submit it.

• See screenshots of the application form

  

  

How long will it take to get my Choice Privileges® Visa Signature® Card?

Because conditional approval is automated online, you can typically see an immediate decision on your application. In rare cases, you may need to wait a few business days to a few weeks until Barclays manually approves your application.

After approval, expect your card by mail within seven to 10 business days. If you’re in a hurry, contact Barclays to pay a $15 fee for expedited shipping.

The perks

• Signup bonus.

  Earn 50,000 bonus points after you spend $1,000 in the first 90 days of card membership. That’s enough points for a four nights at select properties.

• Earn points.

  Earn a whopping 15x points at Choice Privileges properties, 5x points for Choice Privilege points purchases and Choice Hotel gift cards and 2x points on all other purchases.

• Anniversary bonus points.

  Earn 8,000 bonus points every year that spend at least $10,000 with your card by your account anniversary date.

• Bonus points.

  Get 10% bonus points with each stay at a Choice Hotel.

• No annual fee.

  You get all these perks without paying an annual fee for the card.

You’ll also like …

• Complimentary Gold status.

  Every year, you’re automatically upgraded to Gold status in the Choice Privileges loyalty program. At this status tier, you get access to an exclusive reservations and customer service phone number. You can also book reward nights 50 days in advance. Typically, you can book only 30 days in advance.

• Intro balance transfer APR.

  Get a 0% intro APR for fifteen billing cycles on balance transfers that post within the first 45 days. Balance transfers are still subject to a fee of $5 or 3% of the transaction, whichever is greater. After that, a variable APR of 15.99%, 20.74% or 25.74% applies.

• Visa Signature® concierge service.

  Call Visa 24/7 for assistance with dining, travel and entertainment reservations.

• Fraud liability protection.

  You’re not responsible for unauthorized charges you report to Visa.

What to watch out for

• Balance transfer limitations.
  To take advantage of the long intro APR period on balance transfers, your transfers must post within 45 days of opening your account.
• Potentially high APR.
  Depending on your credit, you could see a variable purchase and balance transfer APR as high as 25.74%.
• Penalty fees.
  For late and returned payments, you’re on the hook for fees of up to $37. On the positive side, the card imposes no penalty APR.
• Foreign transaction fee.
  Use this card when traveling abroad, and you’ll pay a fee equal to 3% of every transaction you make. Fees can add up quickly over a several days’ trip.

Compare similar hotel credit cards

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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.	See offer View details	Compare	loading Fetching your data...
IHG® Rewards Traveler Credit Card		Earn 120,000 bonus points after spending $2,000 on purchases within the first three months of account opening	Earn up to 17 points total per $1 spent when you stay at an IHG hotel. Earn 3 points per $1 spent on purchases on monthly bills, gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases.	$0		Earn 120,000 points after spending $2,000 in the first 3 months from account opening.	View details	Compare	loading Fetching your data...
IHG® Rewards Premier Credit Card		Earn 140,000 bonus points after spending $3,000 on purchases within the first 3 months of account opening	Up to 26x points total at IHG hotels, 5x points on travel, gas stations and restaurants and 3x points on all other purchases	$99		Earn 140,000 points after spending $3,000 in the first 3 months.	View details	Compare	loading Fetching your data...

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How does a balance transfer work with this card?

Eligible balance transfers must post to your account within 45 days of card membership. Otherwise, you won’t get the 0% intro APR period for fifteen billing cycles. The standard variable APR on balance transfers is 15.99%, 20.74% or 25.74%, which applies after the intro APR period expires.

Each balance transfer comes with a fee of $5 or 3% of the transaction, whichever is greater. That means a $1,000 balance transfer will cost $30 in fees. Know that it can take up to four weeks for balance transfers to post to your account.

If your requested balance transfers exceed your available credit limit, Barclays may either decline your request or accept a partial amount. You’re not allowed to transfer balances from another Barclays account.

If you request a balance transfer along with your application and change your mind, call Barclays within 10 days of card approval to cancel it.

What should I know before I apply?

To apply for the card, you must be at least 18 years old and a US resident. Residents of Puerto Rico and US territories are not eligible.

You’ll need to provide information that includes your:

• Full name and contact information.
• Employment information and annual income.
• Social Security number, date of birth and mother’s maiden name.

What credit score do I need?

Apply with a good to excellent credit score of 670 or higher to increase your chance of approval and to get stronger APR and a higher credit limit.

Choice Privileges® Visa Signature® Card reviews and complaints

The Better Business Bureau accredited Barclays in 2001 and rates them with an A+. Barclays earns a composite score of 3.77 out of 5 that accounts for customer reviews and the BBB’s own rating. Most complaints revolve around poor customer service for the bank in general, while almost all positive reviews praise customer support. Overall, your mileage may vary when it comes to Barclays customer support.

I got the card. Now what?

• Download the Barclays app. Set up automatic payments, manage your account, check your FICO® Score and more.
• Avoid interest. After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.
• Avoid fees. Late and returned payments attract fees of up to $37. Balance transfers, cash advances and foreign transactions also come with fees.
• Customer service. If you have questions, contact Barclays customer service at 1-866-928-8598.

Bottom line

If you’re a regular at Choice Hotels, this is an excellent card for points multiples on your stays. Through consistent bookings, you’ll accumulate points that you can redeem toward reward nights and other perks.

If you rarely stay at Choice Hotels, consider a general travel rewards card. That way, you won’t have to spend with Choice Hotels to maximize your points.

Frequently asked questions

• Does the card have a signup bonus?

  Yes. Spend $1,000 in the first 90 days your account is open to earn 50,000 points, which are enough for up to four nights at select properties.

• If I qualify for the signup bonus, when will I receive my points?

  You’ll receive the bonus points in your Choice Privileges Rewards account within four to six weeks.

• Do points expire?

  According to the Choice Privileges loyalty program’s terms, your points don’t expire as long as you have qualifying activity with your points within 18 calendar months. Qualifying activity is defined as earning points, redeeming points and using your Choice Privileges® Visa Signature® Card.

• Does the card have an annual fee?

  No, which makes for an excellent long-term card.