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Best Western Rewards® Premium Mastercard®

Credit needed
Good
APR
17.99% and 24.99%.
Annual Fee
$89

Card Summary

Best Western Rewards Premium Mastercard gives you 20 points for every dollar spent on Best Western hotels (10 points for Best Western Rewards members, 10 points for Best Western Rewards Premium Mastercard holders), and 2 points each dollar spent elsewhere.

After making purchases of $3,000 during the initial three billing cycles, Best Western Rewards Premium MasterCard holders receive 80,000 bonus point. When you spend $5,000 or more during each 12-month billing cycle, you'll get 40,000 bonus point.

When they choose the Best Western Rewards rate, cardholders receive a 10% discount for Best Western hotels. They also get platinum status which includes a 15% bonus points, early check-in, late check out, as well as a 15% point bonus. Annual fees for the card are $89.

Card Summary - Cons

Rates and fees

Issuer Name
First Bankcard
Penalty APR
None
Credit Needed
Good
Balance Transfer Fee
You can choose to pay $10 or 5% depending on the transfer amount.
Annual Fee
$89
Cash Advance Fee
Cash advances are available in cash advance amounts of $15 and 5%, depending on which is higher.
APR
17.99% and 24.99%.
Foreign Transaction Fee
None
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First Bankcard

The Best Features

Excellent rewards rate on Best Western purchases:

Annual bonuses and sign-up bonus: All Best Western Rewards Premium MasterCard holders receive 80,000 bonus points for making purchases of $3,000 within the first three billing cycles. When you spend $5,000 or more during any 12 billing cycle, you'll get 40,000 bonus point.

Platinum status with discounts and elite status: Cardholders receive automatic platinum elite status. This status includes 15% extra points for eligible stays, early and late check out, and points when you arrive. When you book with Best Western, you can get a 10% discount on your stay.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Annual Fee:

High APR: This card offers variable APRs of 17.99% and 24.99% depending on creditworthiness.

Highlights

Get up to 7 nights free with Bonus Points. Spend $3,000 within the 3 first billing cycles following account opening to earn 80,000 points. Spend $5,000 in 12 billing cycles to earn 40,000 points.

20 points per $1 for Best Western purchase, 10 points for Best Western Rewards members, and 10 points if you use your Best Western Rewards Premium Mastercard.

Spend $1 on any other purchase and get 2 points. Enjoy 10% discount on room rates.

Automated Platinum Elite Status.

Benefits

Platinum elite automatic status.
Access to your FICO Score for Free.
No foreign transaction fee.
No liability insurance.

Comparative Analysis with Other Cards

Best Western Rewards Premium Mastercard vs.Hilton Honors American Express Card

Annual Fee: $89. Annual fee for the Hilton Honors American Express card is $0.

Reward: The Best Western Rewards Premium MasterCard will earn you 20 points for every dollar spent at Best Western hotels and 2 points for each dollar spent anywhere else. Cardholders of the Hilton Honors American Express Card receive seven points for every dollar they spend directly at a Hilton Honors brand hotel or resort, as well as five points per $1 spent in U.S. grocery stores, U.S. gasoline stations and U.S. restaurants. They also get three points for each dollar spent elsewhere.

After opening an account, Best Western Rewards Premium MasterCard holders receive 80,000 bonus points. This is after they have spent $3,000 on purchases during the three first billing cycles. When you spend $5,000 or more during each 12-month billing cycle, you'll receive 40,000 bonus point. After you make $1,000 purchases with the Hilton Honors American Express Card, you will receive 80,000 bonus points. You can also earn 50,000 Hilton Honors bonus points after spending $5,000 on the Card within the first six months.

Benefits: The Best Western Rewards Premium MasterCard gives you free access to FICO Credit Score. You also get automatic platinum elite status, zero liability and no-interest financing. There is no foreign transaction fee.

Benefits of the Hilton Honors American Express Card include Hilton Honors Silver status and car rental damage and loss insurance. You also have access to Global Assist.

IHG Rewards Club Premium Credit Card vs. Best Western Rewards Premium Mastercard

Annual Fee: The Best Western Rewards Premium MasterCard will charge an $89. Annual fee for the IHG Rewards Club Premier Credit Card is $89.

Reward: Best Western Rewards Premium Mastercard gives you 20 points for Best Western stay and 2 points for every dollar spent anywhere else.

Cardholders can earn 10 points per $1 on eligible IHG hotel bookings with their IHG Rewards Club Premium Credit Card and an additional 15 points per $1 if they are IHG members.

You can also earn two points per $1 for purchases at grocery stores, gas stations and restaurants. All other purchases are worth one point.

Sign-up bonus: All Best Western Rewards Premium MasterCard holders receive 80,000 bonus points for making purchases of $3,000 within the first three billing cycles. When you spend $5,000 or more during your 12 billing cycles, you'll get 40,000 bonus points. IHG Rewards Club Premier Credit card holders will receive 125,000 bonus points if they spend $3,000 within three months.

Benefits: Best Western Rewards Premium Mastercard has no foreign transaction fees, access to your FICO credit score is free, and you can also get travel insurance, rental insurance, purchase protection, warranty coverage, and extended warranty coverage.

You'll also get baggage delay insurance, purchase protection and lost luggage reimbursement if you hold the IHG Rewards Club Premier Credit Card.

You'll also receive one night of reward at every IHG property you visit each year.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

First Bankcard