Radisson Rewards Business Visa Card review | finder.com

Radisson Rewards™ Business Visa® Card review – December 2018

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Radisson Rewards™ Business Visa® Card

A top rewards card offering 85,000 points at signup plus 10x points at Radisson.

30-second take

  • Get this card if your business prefers the Radisson brand.
  • Pick something else if you prefer cash back or your employees rarely travel.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameRadisson Rewards™ Business Visa® Card
Card TypeVisa
Annual Fee$60
APR (Annual Percentage Rate) for Purchases15.74% to 24.74% variable
Balance Transfer APR15.74% to 24.74% variable
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate25.99% variable
Foreign Transaction Fee3% of the transaction value or $2, whichever is higher
Cash Advance Fee$5 or 4% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 24 days
Late Payment Fee$39
Returned Payment Fee$39
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome OfferEarn 50,000 points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days.
Reward Value per Dollar5x points
Rewards Points ExpiryNever

The basics

The Radisson Rewards™ Business Visa® Card is a top choice for small businesses looking for rewards on loyalty to the Radisson brand. The card comes with a $60 annual fee. But with so much earning potential, you’re bound to make it worth it.

Start with a generous 85,000 bonus Radisson Rewards points at signup. The signup bonus breaks down to 50,000 points after your first purchase in the first 90 days your account is open and another 35,000 points after you spend $2,500 in the same time frame. Your total bonus haul is enough for several hotel nights at a participating property.

You’ll also earn 10 points for every dollar you spend directly with the Radisson Hotel Group and 5x points everywhere else. On top of that, you can earn a free night for every $10,000 you spend on the card up to a maximum of three certificates in a 12-month statement cycle.

Each year you renew your card, you receive 40,000 Radisson Rewards points that can be worth more than the $60 annual fee alone if redeemed for a hotel stay. You also qualify for Gold status with Radisson Rewards, which offers room upgrades and other perks at Radisson properties.

Another business card for travel

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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What’s great about the Radisson Rewards™ Business Visa® Card?

  • Earn points: Get 10x points at Radisson properties and 5x points everywhere else.

Use your card at qualifying Radisson properties and earn 10 Radisson Rewards points per dollar. Everywhere else, you get 5x points, with no cap on how many points you can earn.

Redeem your points for rooms within the Radisson Hotel Group. Points requirements vary by property. For instance, rooms at Country Inn & Suites start at 15,000 points, while a full-service Radisson in a major city can require up to 70,000 points. You can also exchange your points for airline miles, though the redemption value isn’t as strong.

  • Get bonus points: Earn up to 85,000 bonus points in your first 90 days.

After just one purchase on your card in the first 90 days your account is open — no matter how much you spend — you’ll earn 50,000 Radisson Rewards points. Spend $2,500 on purchases in that same $2,500 days to get another 35,000 points.

Each year you renew your card at the $60 annual fee, you’re eligible for yet another 40,000 bonus points.

  • Earn free nights: Get up to three free night certificates each statement year.

Spend $10,000 on your card within a statement year to earn a certificate for a free stay in a standard room at eligible Radisson properties in the US. You’ll get a second certificate with your next $10,000 and a third with another $10,000 in a statement year.

You’ll have to wait until the end of your statement year for your free certificates earned in that period, and they’re contingent on you paying the $60 annual fee. But you’ll have up to 12 months to use them.

  • Quickly earn elite status: Use your card to upgrade to Radisson Rewards Gold.

After just one transaction, your Radisson Rewards membership is upgraded to Gold status. This tier comes with a range of travel perks at Radisson properties, including room upgrades and early or late checkout.

You’ll also like

  • Travel protection.

    You and your reservation companions can enjoy accidental death or dismemberment insurance on travel paid for with your card.

  • Employee card flexibility.

    Control how your employees use their cards, with the ability to restrict use to specific days of the week, merchant types and even geographic areas.

  • Visa SavingsEdge.

    Your Radisson Rewards™ Business Visa® Card is eligible for Visa SavingsEdge, a network offering discounts of up to 15% on fuel, travel and other business services.

  • Build toward Platinum.

    Get 15 qualifying nights toward Radisson Rewards Platinum eligibility or maintenance after you activate and use your card.

What to watch out for

  • Potential points value.

    You’ll find the highest value on your points with redemption at qualifying Radisson properties. But if you prefer the flexibility of redeeming points on airfare and other travel too, you might want to look at another card.

  • Limited travel benefits.

    Your free upgrade to Radisson Rewards Gold is valuable. Still, other cards offer status upgrades that come with access to airline lounges and other general travel perks.

  • No intro APR.

    If you’re looking to take advantage of a low- or no-APR intro period on purchases or balance transfers, this is not your card.

  • Restricted accumulation.

    Rewards accumulate into a single Radisson Rewards account owned by the person who signed up for the card, potentially limiting large-point redemptions.

Consider other cards if…

  • You prefer cash back.

    The Business Advantage Cash Rewards Mastercard® credit card from Bank of America offers up to 3% cash back on gas and office supplies on up to $250,000 annually (then 1%), plus 2% at restaurants and 1% on everything else.

  • You prefer reward flexibility.

    With a $95 annual fee, Chase Ink Business Preferred℠ Credit Card earns you points within Chase Ultimate Rewards® program. These points are redeemable on flights, car rentals and hotel stays.

  • Managing your spending is important.

    The SimplyCash® Plus Business Credit Card offers more ways to manage your account. Upload and annotate receipts in the Spend Manager app and easily integrate your account with QuickBooks.

  • Annual fees are not for you.

    You don’t have to pay an annual fee for a business card. The Capital One Spark® Cash Select for Business card offers 1.5% cash back on all purchases with $0 annual fee.

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Updated December 17th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
17.99% to 22.99% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
15.24% to 21.24% variable
0% for the first 12 months (then 15.24% to 21.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
None (Charge Card)
$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
17.74% to 25.74% variable
$0 annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.

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What size business is the Radisson Rewards™ Business Visa® Card good for?

Small businesses that clock a lot of hotel stays at Radisson properties can quickly maximize rewards, thanks to the 10x points you’ll earn directly with Radisson. That’s a nice return for loyalty.

But keep in mind that points across authorized cards accumulate into a single Radisson Rewards account, which may not be convenient for even medium-size businesses. Further, that account must be owned by the person who originally applied for the card.

Larger companies may not be satisfied with the limited management tools that come with this card.

What to know before you apply?

To apply for the Radisson Rewards™ Business Visa® Card, you must be at least 18 years old and an authorized representative of the business you’re applying under.

Required documents and information

  • Your name, residential status and address
  • Your existing Radisson Rewards™ account number, if you have one
  • Your Social Security number and date of birth
  • Your business’s legal structure, year founded and annual sales
  • Your estimated monthly cash and card transactions
  • Ownership details of your business

What credit score do I need?

You’ll find a better chance of approval for a Radisson Rewards™ Business Visa® Card with a good to excellent credit score of 670 or higher.

What’s my likelihood of approval?

The Radisson Rewards™ Business Visa® Card is issued by U.S. Bank, which considers many factors beyond your credit score. It also considers your existing business credit lines and outstanding business debt at the time of applying within its proprietary process.

A good credit score and no history of missed payments improves your approval chances, but the decision ultimately comes down to the bank’s own criteria.

What do customers say about the Radisson Rewards™ Business Visa® Card?

There’s not much out there on the Radisson Rewards™ Business Visa® Card specifically. But that’s likely because it’s a recent rebranding of the Club Carlson Premier Card, which offered a lot of the same rewards. For that card, customers liked the generous earning potential for loyalty to the Radisson brand, not to mention the easily attained 85,000-point signup bonus.

Complaints for the card were typical for similar cards: unexpected interest rate adjustments, slow processing and spotty customer service. Still others reported that unauthorized payments were swiftly and easily dealt with.

The Radisson Rewards™ Business Visa® Card is issued by U.S. Bank, which earns a B from the Better Business Bureau based on how long the bank’s been in business and how it handles complaints, among other criteria. User reviews on the BBB’s site earn the bank an overall 2.80 out of 5.00 stars.

How to apply for the Radisson Rewards™ Business Visa® Card?

  1. Go to U.S. Bank’s site and find the Radisson Rewards™ Business Visa® Card to apply.
  2. Complete the application with your personal information, business information and other required details.
  3. Link your Radisson Rewards™ account number, if you have one.
  4. Review your application and click Submit.

How long will it take to be approved?

Because U.S. Bank offers conditional online approval, you could see a decision in minutes. Some applications require manual review, which can take a couple of weeks to process.

U.S. Bank doesn’t indicate how long you’ll need to wait for your card after approval, but typical turnaround for similar cards is about two weeks.

I got the card. Now what?

  • Earn your bonus. Plan your business spending to earn 50,000 points after any purchase in the first 90 days your account is open and another 35,000 when you spend $2,500 on purchases in that same period.
  • Avoid unnecessary interest. You have 24 days after your statement is issued to pay your balance without accruing interest.
  • Set spending controls. Issued additional cards to your employees? Consider restricting where and how they can use the card to keep track of overall spending.
  • Avoid late fees. To avoid paying up to $39 for late or returned payments, consider setting up autopay.

Bottom line

Small businesses that regularly stay at Radisson properties will find generous rewards for their loyalty through the Radisson Rewards™ Business Visa® Card. An 85,000-point signup bonus only sweetens the deal.

If you prefer other properties or like the flexibility of redeeming points beyond hotel stays, you may want to look for another business card.

Frequently asked questions

Images: USBank.com

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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