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Verdict: If you have a preference for Best Western lodging accommodations, then you may like this card, as it offers many “perks” for frequent stays. However, if you use different hotel chains, or even independent ones, then you might not see very many results from using this card. Plus, this card has specific enrollment requirements, and not everyone is going to meet them. Frankly, there are better cards out there.
Overview: The Best Western Rewards MasterCard is a rewards card; however, you can only earn maximum rewards by staying at Best Western properties and making purchases or transactions there. You can earn rewards for purchases and transactions made elsewhere, but they aren’t as much.
How This Card Works: If you stay at Best Western properties, and use the Best Western Rewards MasterCard to pay for your stay and make purchases and transactions while on the property, you’ll earn rewards points. You get 10 points for every $3 in purchases made there. To get 10 points elsewhere, you have to spend $5. You redeem your points for free stays at Best Western properties, or air travel, or retailer gift certificates, and that’s pretty much it.
Travel and Shopping Benefits: There aren’t a lot. You can redeem your points for discounts on air travel and, of course, for stays at Best Western properties, but, again, that’s about the extent of it. You can also redeem for retailer gift certificates, so if you like to give those as presents or appreciation gestures, you might like this benefit.
Fees: About the only good thing this card has going for it are the fees. To begin with, there are no annual fees, and late payment, over the credit line, returned payment and convenience check fees range from $25 to $39. Not many card companies offer $25 fees, which by the way are assessed on late payments under $100. However, late payments between $100 and $999.99 are only $29, which is good. Most other companies charge $39 across the board.
Some $39 fees include late payments for balances over $1,000 and over your credit line charges for balances over $1,000 (balances under $1,000 incur a $25 fee; again, good as most of these are $39 no matter what.)
Returned payments and convenience check charges are $29. Other fees, for balance transfers, cash advances and other transactions, are the usual 3% of the amount that most credit card companies charge.
- Fairly reasonable fee charges and interest rates (13.99%, 16.99%, 19.99%).
- Interest rate is variable, not fixed.
- Rewards redemptions are extremely limited
- Specific enrollment requirements, based on head of household’s income