Specifics

• Introductory Rate: 1.99% APR for 6 Billing Cycles
• Applied Towards: Purchases, Balance Transfers
• APR (Purchases): APR Varies* The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): APR Varies* There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 20 Days (Min.)
• Minimum Credit Limit: $500
• Maximum Credit Limit: n/a
• Late Payment Fee: $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250
• Over-The-Limit Fee: $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000
• Cash Advance Fee: 3%, $10 minimum
• Balance Transfer Fee: None

Reward Program Details

• Points per Dollar: 2 Points
• Additional Points: Earn 15 points for every dollar spent at Choice Privileges locations throughout the U.S., Canada, and Mexico, including Comfort Inn®, Comfort Suites®, Quality®, Sleep Inn®, Clarion®, and MainStay Suites®.
• Point Details: Points are redeemable for free nights at Choice Privileges locations worldwide, airline miles with participating airline partners, and gift certificates to more than 350 retailers and restaurants nationwide. Points can also be redeemed toward donations to the Armed Forces Relief Fund and UNICEF.
• Expiration: Points earned in a calendar year will expire on December 31st of the second calendar year following the year during which the points were earned. (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Good choice for travelers who frequently stay at a Choice Hotel. Otherwise, the APR and intro rate are a little high. Earn a free night at one of Choice Hotels after the first purchase. Earn 15 points per $1 at Choice Privileges locations. Earn 2 points per $1 on all other purchases. New applicants receive 8,000 bonus points (one free night at many locations) if your purchases total $150 within the first 75 days of the account opening. Earn unlimited points each year, but points will expire in the second year if they aren't used. Other rewards include airline miles with many major airline partners and gift certificates to national retailers. Depending on the hotel you choose, 6,000 points to 25,000 points earns a free night at a Choice Hotel (Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion and Mainstay Suites). Benefits include auto rental insurance, travel accident insurance, and lost luggage insurance. This card will benefit those who frequently stay at any of the Choice Privileges hotels (to earn additional points) and plan to pay in full each month. Last Modified Date: 4/30/2008 12:00:00 AM

Additional Perks

See website for card benefits.
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Important Notations

See website for complete terms and conditions of card usage and application disclosure.