Best Western Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Best Western Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate40,000 points initial rewards bonusNo foreign feeNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Earn 40,000 points when you spend $1,000 in the first 3 billing cycles after the account is opened.
Earn 20,000 points when you spend $5,000 every 12 billing cycles.
Earn 3 points per $1 on Best Western purchases with this card (Plus, 10 points as Best Western Rewards® member).
Earn 2 points per $1 spent everywhere else. Points don't expire as long as you use your card.
Can't find what you are looking for? Submit your question about Best Western Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
The Best Western Credit Card sign-up bonus is 40,000 points after spending $1,000 in the first 3 months . Cardholders can also earn 3 points per $1 spent on Best Western purchases and 2 points per $1 spent on all other purchases. The Best Western Card also comes with a $0 annual fee.
Alternatively, if you don't mind paying an $89 annual fee, the Best Western Premium Credit Card offers a sign-up bonus of 80,000 points after spending $3,000 in the first 3 months. Plus, you'll earn 2 - 10 points per $1 spent on purchases.
Best Western points are worth an average of 0.71 cents each.
It can take anywhere from a few minutes to 10 business days to get approved for the Best Western Credit Card.
While some applicants may be approved instantly because they match the exact criteria that the issuer (First National Bank of Omaha) is looking for, not being approved right away doesn't mean that you won't ultimately get approved once your application is reviewed in more detail.
Your Best Western Credit Card approval odds are higher if you have at least good credit, which is a score of 700 or higher.
That's not the only thing taken into account when a card issuer is deciding whether to approve your credit application, however. They'll also look at your annual income, your existing debt obligations, and the actual contents of your credit report.
You should always check your credit score before you apply for...
There are a number of potential explanations for getting a Best Western credit card offer in the mail: for example, Best Western could be increasing its direct mail marketing efforts and you simply meet the credit criteria they're looking for. Or maybe you recently joined Best Western's loyalty rewards program or stayed at a Best Western hotel.
Regardless of why you received this offer, it shouldn't be cause for concern. Credit card companies mail...
You need at least good credit to get the Best Western credit card, which is a credit score of at least 700. But in addition to your credit score, your debt, income, recent inquiries and past negatives will play a role.
The starting credit limit for the Best Western Credit Card isn't disclosed. After approval, each cardholder's credit limit will be determined based on certain factors, such as their:
Credit score
Income
Existing debts
Regardless of your initial credit limit, you might qualify for an increase after at least 6 months of account opening. For better odds of being granted an increase, always pay your bills on time, and improve your credit score and income.
First National Bank of Omaha, the issuer of the Best Western Card, typically pulls Experian or Equifax credit reports to evaluate applicants. But your reports from the three major bureaus are unlikely to differ too dramatically.
No, you cannot earn points through cash advances with your Best Western Credit Card. With this card, you can only earn points on:
Regular purchases. Credit card regular purchases are just everyday transactions at the grocery store, restaurant, gas station and so on. They do not include refunds, fees, cash advances and balance transfers.
Share your insights and review for the Best Western Credit Card
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158 reviews
158 reviews
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Carl Dremann @dremannc
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1 Star Rating
I have received my new Best Western Credit Card. I signed up under the agreement of if I spent $3,000 or more in the first 3 months I would receive 80,000 points and another 40,000 points if I spent $5,000 in a 12 month period. My question is no where is this documented in my papers with the new credit card. I have called customer service and they could not validate my sign on bonus and transferred me to the rewards department and they say that's controlled by the credit card company. Is there anyone who can verify this before I register this card, as American Express failed to give me the sign on bonus after I used their credit card per the sign on agreement. That account has now been closed with a customer fraud complaint but they don't care.
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First National Bank of Omaha @FNBO
Hello Carl, information regarding bonus points can be found in the Summary of Credit Terms sheet, in the Bonus Earnings section. Information can be found by visiting us at www.card.fnbo.com/landing/bestwestern/ or by calling 888-295-5540.
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bjytheman @bjytheman
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1 Star Rating
Not a good card to apply for! They are only approving the elite credit scores, even if you are on time on all your other creditors! Best Western is out for me! I will stick with choice hotels, plus there card is easier to get approved for and lower interest rate!
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First National Bank of Omaha @FNBO
We apologize that your recent experience with our bank has been frustrating and appreciate you taking time to voice your concerns. We value your opinions, and take all correspondence seriously. We will make sure to pass this feedback on.
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Timothy Collins @timothyc_18
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5 Star Rating
The main reason I got the card was because all of the positive feedback people gave. I am all about customer service. If it is great, I know the card will be great. There is nothing that I would improve about the card. I think other people should use it cause it will save them a lot of money and allow them many other positive features. I find it very useful to me and I think for everyone that it was made for.
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Penny Williams @penny.williams.1048
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4 Star Rating
I get a lot of benefits when I use my BW Credit card. There is no annual fee which I appreciate. The last 3 times I used the card, when paying for a hotel on business trips. I got one night free, plus I got a room upgrade on several occasions. There is a very very low fee when using the card outside the country, and if I ever have to call customer service, the reps are always helpful and nice. Overall, the card is very good, and I don't regret using this card on a regular basis.
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Kyle Storm @kyle.young.581
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5 Star Rating
I used the Best Western Credit Card a few months ago when I was on a trip to Orlando. I checked in and was pleasantly surprised of how well it covered the room and expenses of the hotel. I was able to pay for the lunch and dinner with the same card, and the low rates on this card benefited me greatly. I definitely plan on using this card again next time I go on a vacation or trip as it helped me a lot.
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Thomas Santell @dottommytm
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4 Star Rating
If you are going to stay at Best Western a few times a year then choosing to apply for this card will prove beneficial for you. The sign up process is simple and you get 10,000 points on your first night's stay. Most hotels offer a room for 8,000 points, so at this point you will already have a free night credit. After this you will receive 15 points for every dollar that you spend. From what I have found out, you will get a free night about every 6 or 7 stays at a Best Western when using this card.
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Tammy Marcum-Remfrey @marcumremfrey
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5 Star Rating
If you stay at a Best Western more than even once yearly, this is the card you should get. The interest rate isn't horrible, and their customer service is really top-notch. I'm one of those people who likes to pay off my cards with the first bill. Normally, there is no reward for doing that. This card does. They offer a 10,000 point bonus for your first purchase, and a lot of Best Western hotels only cost 8,000 points per night. So, if you stay at one of those hotels, you've earned a free night with one purchase! I typically stay about 12 nights a year in Best Western hotels, and so far, I've accumulated enough points to pay for two of those stays. I absolutely love this card, and would highly recommend it.
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Joe Weider @joe_weider
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3 Star Rating
Though you shouldn’t get it if you just stayed there once or once in blue moon, the Best Western Credit Card COULD be right for you if you spend 20+ nights at Best Western on an annual basis. It really depends on what the card offers and how much you’d save by using it relative to other credit cards though. First of all the Best Western Card requires good or excellent credit for approval, so just understand that before we get too deep into analyzing it. Starting with rewards, the Best Western Credit Card offers 10,000 bonus points after your first purchase or withdrawal (you get an extra 5,000 points for transferring a balance within 30 days), 15 points for every $1 you spend at Best Western, and 1 point for every $1 spent everywhere else. That all sounds pretty good but how much are Best Western Credit Card points worth? Well, you can get a free night with 8,000 rewards points, so your initial bonus will get you one, as will spending $533 at Best Western. Since rates start at around $80, for every 4-6 or so nights you put on a Best Western Credit Card, you get one free night. Moving to rates and fees, the Best Western Card has no annual fee and offers 0% on balance transfers for 6 months. In this regard, the BestWestern Credit Card isn’t all that great since a number of other cards offer 0% on purchases and transfers for up 18 months and also do not have annual fees. Overall though, the Best Western Hotel Credit Card is a good option for brand loyal Best Western customers, but if you don’t stay there that often, you need alternatives.
If you want a card with generic hotel rewards, the Chase Sapphire Card offers $625 in hotel accommodations and airfare as an initial bonus. If you want travel rewards, the Capital One Venture Card is basically a 2% cash back credit card as long as you redeem miles for anything travel related. If you want a low rate, Citi offers three cards with 0% on purchases and transfers for 18 months. Any of these cards would be better for the average user than the Best Western Credit Card.
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Review Best Western Credit Card Reviews
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