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Choice Privileges® Mastercard® review: Solid rewards for a no-annual-fee card

A great option for Choice Hotel® loyalists

 /  12 min
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Snapshot

3.4

Bankrate rating
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Rating: 3.4 stars out of 5

Bottom line

The Choice Privileges® Mastercard® Credit Card offers simplicity for travelers who frequent Choice Hotels®. Even if you don't travel much, you can still earn decent rewards on everyday purchases. However, if you’re not a Choice Hotels® loyalist, you can find higher rewards rates on other cobranded hotel cards or more flexibility with general travel rewards cards.
Recommended credit score:(670 - 850)
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See Rates & Fees

Intro offer

40,000 bonus points

Rewards rate

1X - 5X

Annual fee

$0

Regular APR

20.24%, 24.49%, or 29.49% Variable APR

4.0

Cardholder rating

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4.0 / 5

Extra perks

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4.2 / 5

Online tools

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4.3 / 5

Customer service

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4.4 / 5

Intro APR length

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4.4 / 5

3.4

Bankrate score

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3.4 / 5

Rewards value

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3.0 / 5

APR

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3.0 / 5

Rewards flexibility

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2.0 / 5

Features

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3.0 / 5
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Choice Privileges® Mastercard®

The Choice Privileges Mastercard is a great option for anyone who loves to travel and prefers to stay at Choice Hotels®. As an automatic Gold Elite member, you can earn a high rewards rate on Choice Hotel® stays, so you stand to earn generous rewards if you book often. The fair rewards rate on popular categories like gas and groceries can also help you stack up on rewards. But if you'd like to have more options in where you stay, you can likely get more value from general travel rewards credit cards.

  • Credit Card Cash Back Icon

    Rewards

    • Earn 5X points on stays at participating Choice Hotels® properties.
    • Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services.
    • Plus earn 1X points on other purchases.

    Expert Appraisal: Excellent
    See our expert analysis

  • Rewards Icon

    Welcome offer

    • Earn 40,000 bonus points when you spend $1,000 in purchases in the first three months - enough to redeem up to five Rewards nights at select Choice Hotel® properties. Additional fees may apply. 

    Expert Appraisal: Good
    See our expert analysis

  • Credit Card Search Icon

    Rates and fees

    • Annual fee: None
    • Ongoing APR: 20.24%, 24.49%, or 29.49% Variable APR
    • Foreign transaction fee: None
    • Late payment fee: Up to $40

    Expert Appraisal: Typical
    See our expert analysis

  • Congrats Icon

    Other cardholder perks

    • Automatic Gold Elite status
    • Cell phone protection
    • Access to Mastercard World Elite benefits

    Expert Appraisal: Typical
    See our expert analysis

Choice Privileges Mastercard pros and cons

Pros

  • Checkmark Icon

    You can earn on everyday categories like gas and groceries, so it shouldn't be difficult to accumulate rewards.

  • Checkmark Icon

    This card has no annual fee or foreign currency conversion fee to worry about.

  • Checkmark Icon

    The welcome offer is relatively easy to attain and you can redeem the points for a lengthy hotel stay.

Cons

  • This card carries a high APR that can add to your credit card debt if you carry a balance on your card.

  • While you can enjoy standard perks like travel protection, you won't have access to premium perks like an anniversary bonus.

  • The card offers little travel flexibility — you'll need to book exclusively with Choice Hotels® to reap the most benefits.

Why you might want the Choice Privileges Mastercard

Choice Hotels® includes many popular hotel chains such as Radisson Inn & Suites, Quality Inn and Cambria hotels, so if you are a frequent guest at any Choice Hotel®, this card is ideal. You can also take advantage of its competitive rewards rate and attractive welcome offer. 

Rewards rate: Enjoy elevated rewards on popular categories and as a Gold Elite member 

Not only do you earn 5X points for hotel stays at Choice Hotel® properties but the card comes with automatic Gold Elite status. Under the Choice Privileges program, Gold Elite members earn up to 10X points, plus 10 percent bonus points. So you could earn 5X with the Choice Privileges Mastercard, plus up to 10X points under the hotel’s reward program and another 10 percent bonus points for being a Gold Elite member. This comes out to about 16X points, so if you spent $1,000 on a five-night stay, you might earn up to 16,000 rewards points — potentially enough for two free rewards nights, depending on when and where you stay.

Eligible Choice brands include:

  • Ascend Hotel Collection
  • Cambria Hotels
  • Clarion
  • Clarion Point
  • Comfort Inn
  • Comfort Suites
  • Econo Lodge
  • MainStay Suites
  • Quality Inn
  • Radisson
  • Rodeway Inn
  • Sleep Inn
  • Suburban Studious

On top of that, you earn 3X points on popular categories like gas, groceries, home improvement and phone plan services. With these everyday purchases, it should be easy to load up on rewards. 

However, you might find higher rewards rates on competitor cards. For instance, while the IHG Rewards Club Traveler Credit Card offers the same elevated rate in similar categories, its base rewards rate is 2X points on all other purchases instead of Choice Privileges' 1X points. But if you prefer the hotel selection Choice Privileges offers, then this card's rewards rate is hard to beat.

Welcome offer: Doesn't require a high spend to earn 

With this card's welcome offer, you can earn 40,000 bonus points after you spend $1,000 within the first three months of opening your account, enough points to redeem up to five reward nights at select Choice Hotels® properties. The spend requirement for this welcome offer should be within reach for most cardholders if you typically charge around $400 on your card per month.

You won't see this kind of redemption value on many other cards. The Marriott Bonvoy Boundless® Credit Card, even with an annual fee, offers 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening as part of its welcome offer. For anyone planning a vacation soon, this welcome offer could help minimize travel costs significantly.

Why you might want a different hotel card

The Choice Privileges Mastercard comes with attractive rewards and a terrific signup offer, but its high APR may give you pause. Plus, while automatic Gold Elite status is a great benefit, the Choice Privileges Mastercard offers little else in premium perks. 

High APR: Can affect credit card debt

Choice Privileges Mastercard has no annual fee, which means you can start reaping rewards without having to offset the cost of carrying the card. It also has no foreign transaction fee, potentially adding up to a lot of savings for frequent international travelers. 

But this card's APR is above the current national average for credit card interest rates. If you tend to carry a balance on your credit card, choosing a general travel rewards card with a chance at a lower APR or an intro APR offer might be a better option.

Other fees include a late fee of up to $40 and a cash advance fee with a relatively high APR. Lastly, if you do a balance transfer, you'll incur a cost of $5 or 5 percent of the amount of each transfer, whichever is greater.

Perks: Low on premium benefits

While you can enjoy some solid perks with this card, the benefits are typical for a card of this type. For instance, earning automatic Gold Elite membership comes with added benefits, like increased points for hotel stays, complimentary breakfast and reserved parking. But most co-branded hotel cards come with automatic elite status, usually at its lowest tier, so this isn’t a standout feature.

The Choice Privileges Mastercard does come with worthwhile protection plans, like its cellphone plan. You can get up to $800 of cellphone protection against damage or theft when you pay your monthly cell phone bill with your Choice Privileges Mastercard (subject to a $25 deductible, maximum two claims per year). As a Mastercard World Elite card, this card is also loaded with travel protection features like lost baggage reimbursement, an auto rental car collision waiver and trip cancellation and interruption reimbursement (terms apply).

However, other travel or hotel cards might offer more premium perks such as anniversary bonus points or an extra free night after you've booked a certain number of days using your rewards. So if you are looking for more ways to save or earn rewards, the Choice Privileges Mastercard might disappoint.

We tried it: Here's what our experts say

Bankrate writer and frequent traveler Ryan Flanigan says the newest version of this card is a big step up from its previous iteration. In his years of international travel, he's also been impressed with Choice's reach.

The recent reboot of this card is a welcome change, offering boosted rewards rates and more bonus categories than the version of the card I held years ago. As a frequent traveler, I’ve found that Choice Hotels® have a large global footprint and are the only points option in some parts of the world, so having a nice cache of Choice points is always beneficial.

— Ryan Flanigan, Writer, Credit Cards

How the Choice Privileges Mastercard compares to other hotel cards

This Choice Privileges Mastercard is a great option for most travelers, especially if you’re a fan of Choice Hotels®. But other cards may offer more flexibility or a higher rewards rate without having to pay an annual fee.   

Image of Choice Privileges® Mastercard®

Annual fee

$0

Intro offer

40,000 bonus points
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Rewards rate

1X - 5X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Capital One VentureOne Rewards Credit Card

Annual fee

$0

Intro offer

20,000 miles
Info Icon

Rewards rate

1.25 Miles - 5 Miles
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of IHG One Rewards Traveler Credit Card

IHG One Rewards Traveler Credit Card

Annual fee

$0

Intro offer

Earn 80,000 Bonus Points
Info Icon

Rewards rate

2X - 17X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
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Best cards to pair with the Choice Privileges Mastercard

The Choice Privileges Mastercard offers many redemption options but no cash back, so a good card type to pair it with is a cash back rewards card. With a cash back card, you can often redeem as a statement credit, so if you want to book travel outside of Choice Hotels®, you can still save on expenses.

Who is the Choice Privileges Mastercard right for?

This card is ideal for frequent travelers who can commit to the Choice Hotels® brand as well as those who are already Choice Hotels® fans. 

Bankrate’s Take — Is the Choice Privileges Mastercard worth it?

The Choice Privileges Card is a great choice if you travel frequently and stay in Choice Hotels®. The hotel chain offers over 7,000 hotel options all over the world, making finding a great hotel in your destination city easy. However, if you’d like to have the option to stay elsewhere and still earn rewards, or if you want more flexibility with how you redeem your rewards, you can likely find another travel credit card that’s a better fit.

Dig deeper: Guide to Choice Privileges

**For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How we rated this card

Document Icon
150+
cards rated
Congrats Icon
50+
rewards programs valued
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1800
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.

Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest). 

We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:

Frequently asked questions

What cardholders think

Image of Choice Privileges® Mastercard®

Choice Privileges® Mastercard®

4.0 Star Icon
74 ratings
Info Icon
Score breakdown
5 stars
49%
4 stars
27%
3 stars
11%
2 stars
7%
1 star
7%
Score by category
Overall 4.0 / 5
Extra perks 4.2 / 5
Customer service 4.3 / 5
Online portal or mobile app 4.1 / 5
Intro APR length 4.4 / 5
Intro APR value 4.1 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Choice Privileges® Mastercard® reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
new card have not used this feature yet
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
i will recommend it because it is one of the best card i have ever used
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Great company
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I don’t particularly use any rewards points
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
The points move from this credit card to my choice hotel program automatically on a monthly basis.
Score by category
Extra perks 1 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I have not redeemed but am saving up to do so at the moment
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I have not yet done that I am in the process of saying points
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It's extremely likely and interesting
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I redeemed 15000 miles for a trip upgrade
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Yes id recommend them because they are really helpful And great
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
Yes and it is one of the best of the best
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I went on the website and was able to do it from there. It was rather simple.
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is part of my everyday life. I use it for groceries and other things daily.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
They are one of the best cards out there they really help with your I got a paid for hottie a Marriott hotel it was the best time I ever had
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It's easy to obtain and use
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would definitely recommend this card to everyone
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because it is a good card
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because it’s easily accessible to most people and easy to understand.
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I redeem for gift card
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Good Privledges
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I think it's great and I will recommend it
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It also have a lot of value in its rewards for its users.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
It's a wonderful card especially for buying small grocery items or pain or vitamin supplements.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes this card is a part of my everyday life because I use it often.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I use my points for Choice Hotels reservations. A decent room will cost 15,000 to 20 000 points
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I paid very high yearly fees that’s why I won’t recommend
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Don’t have enough points for any rewards right now.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 3 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Just got a ticket to Florida with my cash back
Score by category
Extra perks 4 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, it is not a part of my every day life. I use it on occasion at times.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The rewards are easy to earn
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I would describe it as perfect it’s the perfect card for me because it gives me cash back on things i buy and also gives me rewards for buying things so i can buy other things
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
There are better cards out there
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Great experience with the company
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
2500 points can be Redeemes at $25 gift card it is pretty easily and fast as the more points you gather the more it amounts to
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
i would because it really helped me and i get extra privileges
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend because of the rewards program
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Redeemed a free hotel night recently- worked very well.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes. I like to build points I can use for hotel stays.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it helps with everything purchases travel groceries bills
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
it is convenient and easy to use
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It’s expensive
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card for the type of rewards you can get from them.
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 2 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No I only use it for certain purchases
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 3 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
The rewards are great and simple to earn.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Reliable
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use this card about 10 * a year because it doesn't give me as good of rewards as my other cards
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I have redeemed points for free hotel stays and it is very easy
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because they gave me a good deal
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
it is convenient and easy to use.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I logged into my account and found out who to redeem points and did it
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
They have an excellent referral program and they have a pay now pay later program and a loan program in case you have a dire emergency they have a portion of that program that allow you to make monthly payments and then they have upfront loan programs
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
Yes I do transfer money many times
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The card has easier and greater access to rewards
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes because I need it
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Intro APR length 3 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Take a lot of trips
Score by category
Extra perks 5 / 5
Online portal or mobile app 2 / 5
Customer service 1 / 5
Intro APR length 3 / 5
Intro APR value 2 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it’s easy to use
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Intro APR length 4 / 5
Intro APR value 2 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is a great card that has lots of benefits
Score by category
Extra perks 2 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 2 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
No experience transferring for this card specifically
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It’s a good choice and reliable
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Intro APR length 3 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It’s what I use for even
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It has good reviews and rewards and benefits for using this credit card
Score by category
Extra perks 2 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Good service
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Intro APR length 4 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It’s a good card with benefits
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Intro APR length 2 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
The only way I could do that was if card was on the table and I was going to have to pay the bill for it so that would help
Score by category
Extra perks 3 / 5
Online portal or mobile app 1 / 5
Customer service 2 / 5
Intro APR length 1 / 5
Intro APR value 2 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Savings and cash back
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 2 / 5
Intro APR length 3 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Accrual of points leave something to be desired
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I love having a card and being able to afford a goodmeal and having good food
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Intro APR length 2 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It’s a part of my everyday life because the card is so convenient
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Intro APR length 4 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
Never transferred points or miles
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 2 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Somewhat. It is not my most used but I try to use it often. I just use my oldest card a little more because it is what I have hooked up to auto payments and I feel I earn rewards faster.
Score by category
Extra perks 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I recommend it to regular shoppers at Whole Foods.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Cash back
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Intro APR length 5 / 5
Intro APR value 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would likely not recommend this card because there are better options.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Intro APR length 4 / 5
Intro APR value 3 / 5
Written by
Reena Thomas, Ph.D.
Editor II, Credit cards
Reena Thomas, Ph.D., is an editor/writer at Bankrate and CreditCards.com with a focus on credit card reward offers.
Edited by Senior Editor, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.