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Choice Hotels Visa Credit Card Review

Wouldn’t it be nice if everywhere you went you had the convenience of a Choice Hotel Visa card? You can earn points for every dollar you spend. It is like getting money for spending money. Is there a better deal than that?

This article is going to enlighten you about how you can enjoy the perks of staying at one of the Choice Hotels and earning points towards free hotel stays and other bonuses while doing so. There is even an incentive to earn 32,000 bonus points—after spending just $1,000 on your new Visa card within the first 90 days—redeemable on up to four free nights in a Choice Hotel.

There is no annual fee. On the anniversary date of opening your Choice Hotels Visa Credit Card, you have the chance to earn an additional 8.000 bonus points for spending $10,000 on the Visa credit card during the year. This is good for one free night at any Choice hotel!

Top Perks

Choice Hotels card review

  1. No annual fee
  2. Earn bonus points for free hotel stays
  3. You can book free hotel nights up to 50 days in advance
  4. Get an instant credit response
  5. Double points on everyday purchases

Key Details

  • Annual Percentage rates are based on creditworthiness: 16.74%, 21.49%, or 26.49%. The APR is variable based on the Prime Rate within the market base.
  • Annual Percentage Rate for Balance Transfers. There is a 0% introductory APR during the first fifteen bill cycles subsequent to every balance transfer posting within 45 days prior to the opening of your account. After that the annual percentage rate will be 16.74%, 21.49% or 26.49% according to your credit score. This also applies to any balance transfers not posted within the first 45 days of account opening.
  • APR for Cash Advances: 26.74%—this is variable and based on the Prime Rate within the market base.
  • Minimum Interest Charge: The minimal charge for interest is $.50—if you are ever charged interest, of course.

Transaction Fees

  • No annual fee
  • Balance transfer fee: $5 or 3% of the transfer—whichever is greater
  • Cash advance fee: $10 or 5% of the cash advance—whichever is greater
  • Foreign transaction fee: 3% of the transaction in U.S. Dollars

Penalty Fees

  • Late payment: up to $37 (this amount is variable according to the state)
  • Returned payment: up to $37 (this amount variable according to the state)

How to Apply for the Choice Hotel Visa Credit Card

You can apply for the Choice Hotel Visa Credit Card by going to the Choice Hotel website and scrolling down to the bottom of the page. You will see a box that has a Visa Credit Card picture and states “earn 32,000 bonus points for up to 4 free nights”. Click on the learn more link, which takes you to the application page. Then, click on the picture of the Choice Credit Card with the text “Apply Now”. You will then be directed to the secure site to apply for the credit card.

In order to apply for the Choice Hotel Visa Credit Card you will need to know the following information:

  • Full legal name (first, middle, last)
  • Permanent full address;
  • Residence states- rent/own/other—how long you have lived at your residence
  • Employment and financial information
  • Contact information: primary phone, email address, and work phone
  • U.S. Citizenship status
  • Security information: date of birth, social security number, and mother’s maiden name

At the bottom of the application you can choose to receive paperless statements.

What Else Should I Know About?

In an attempt to help the government fight terrorism funding and money laundering, it is Federal Law requiring all financial institutions to verify, obtain, and record all information about an account holder.

The due date is always 23 days after each billing cycle closes. You can avoid paying any interest if you pay your balance off by the due date.

How to Use Your Choice Hotels Visa Credit Card with Giving Assistant

When you go to Giving Assistant you’ll find verified coupons for multiple brands that offer up to 30% savings on select items. By using a Giving Assistant-provided link when you shop you have the potential to earn cash back, save on your purchase price, and get the added benefits from your Choice Hotels Visa Credit Card when you pay for your purchase.

To get started, you first need to sign up for an account on Giving Assistant. Once enrolled, visit the Giving Assistant Choice Hotels store page here to view the current coupons, promo codes, and deals.

Download the Giving Assistant browser extension called the Button, to automatically populate the highest-value coupons as you visit thousands of online shopping websites.

Maximize your rewards earnings and saving potential by combining your Choice Hotels Credit Card with discount codes and offers found at Giving Assistant today!

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