Choice Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Choice Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub
Info about Choice Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR149Reviews19Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
For a limited time, earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months.
Earn 5 points per $1 spent on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases.
Earn 3 points per $1 spent on purchases made at gas stations, grocery stores, home improvement stores and phone plan services.
Earn 1 point per $1 spent on all other eligible purchases.
Automatic Gold Elite membership. Earn 10% bonus points every time you book a qualifying stay with Choice® hotels.
Receive 10 Elite night credits qualifying for at least gold level status each calendar year.
Get up to $800 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your Card (subject to a $25 deductible). Terms apply.
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Get access to additional security benefits, exclusive offers, concierge, travel & lifestyles services, and more.
Can't find what you are looking for? Submit your question about Choice Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Online: Log in to your online account and click on “Pay bills”. Then, choose how much to pay, when to pay it, and where the payment is coming from.
By phone: Call (800) 642-4720 and enter your card information when prompted. Then, follow the automated prompts to make a payment.
Through the mobile app: Download the app for Android or iOS. Then, log in to your account and select your card. Then tap on “Pay bills” to complete your payment.
By mail: Send a check or money order (but not cash) to:
Wells Fargo Card Services P.O. Box 51193 Los Angeles, CA 90051-5493
Express Mail:
Lockbox Services 51193 Attn: WF Consumer Credit Card 3440 Flair Drive El Monte, CA 91731
If you choose to make a payment via regular mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.
The credit score you need for the Choice Credit Card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact...
The easiest way you can activate your Choice Credit Card is either online or through the mobile app. Alternatively, you can activate your card over the phone, by calling customer service at (800) 642-4720.
How to Activate Your Choice Credit Card
Online:Log in to your online account through the issuer's activation page....
The issuer does not disclose the starting Choice Credit Card credit limit. It will be determined based on your creditworthiness, income, and debt.
However, considering that it requires at least good credit, the most creditworthy applicants in this credit range (with stable incomes) can expect credit card credit limits between...
There isn't an official Choice credit card score requirement, but you probably won't be approved without good or excellent credit (i.e. a credit score of 700+). Credit card issuers also consider factors such as your income and how much debt...
The Choice Credit Card is a reasonably good credit card as it offers 1 - 5 points per $1 spent, depending on the type of purchase. The card also has a $0 annual fee. So, it might be a good option, especially for people who stay a lot at Choice Hotels locations.
Nearly all Choice Credit Card everyday purchases qualify for points rewards. More specifically, cardholders get 1 - 5 points per $1 spent, depending on the type of purchase.
Choice Credit Card Rewards
For a limited time, earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months.
Share your insights and review the Choice Credit Card
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77%
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4.5
149 reviews
149 reviews
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dabruns513 @dabruns513
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1 Star Rating
Verified Customer
My wife joined Choice over a year ago and account was in her name. We share an email and received an offer for Barclays Visa CC that would add points to account. I, as family head, applied by phone and when asked if I had account with Choice supplied my wife’s Choice #. After no points being added to account, after several billing cycles, I questioned, learning that primary CC holder had to be same first name as on Choice account. My wife has total card rights and independent # CC number??. I was told by Choice I would have to come up with a new email account (had shared the same for many years), create a new Choice account with my name (which they did). I was told it was then just a matter of attaching CC to the newly created one by informing Barclays customer service. After hours of phone time, listening to poor English speaking, hearing roosters crowing, all I’ve accomplished is my wife and I each holding an independent Choice account, 36,000+ earned points not rewarded to either sense card activation July 1st. There’s apparently no coordination or communication between Barclays or Choice customer service departments. They’ll just apologize, say they understand, make unfulfilled promises of getting problem solved, and pass you back and forth. Customer service from both Choice and Barclays are the worst I’ve ever encountered.
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henryd2 @henryd2
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1 Star Rating
Verified Customer
I just got approved for the Choice Priveleges Visa credit card last week. I haven't even received the card yet, but when I went online to the online account that I created, there were some transactions to a GoFundMe page that were over several hundreds of dollars, and I haven't even received the card. I called customer service and they said that things have been straightened out. But I'm going to see how things work out.
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Susan @westbrookwife
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5 Star Rating
Verified Customer
Excellent customer customer, quick response to false charges. I’m very glad to have this card and hope to keep it open for a very long time. Perfect for rebuilding credit and for unexpected emergencies. This is one of my favorite cards!
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mbjones59 @mbjones59
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1 Star Rating
Sounds to me like most of these reviews are Shills for the card company, they know everything that the card company won't divulge?! This is the ONLY site you'll find with at least a semblance of positive feedback re this card!
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David Brookins @steagles101
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2 Star Rating
The initial upfront rewards are great and were of good use. HOWEVER, going forward, future reward incentives are NEVER honored! (That's 10 points on eligible stays through the Choice Privileges membership and 5 points per dollar charged to the Choice Privileges Visa card). I have had this card for a year and to this day, I have not received my 5 points per dollar charged to the card for my eligible stays! They promised in every conversation they would sort it out and it never happens. On another occasion, just this year, I needed some points to get a free hotel stay and I was going to swear off the card once and for all. The promo at the time was DOUBLE points on restaurant purchases. Not surprised when that wasn't honored. They are liars and scammers! Buyer beware! It's only getting 2 stars because of the initial signup and spending rewards given. After that, cut it up and toss it!
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Scott Jongbloed @scottwfd
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1 Star Rating
The current promotion is misleading. 15 points for each$1 spent. Here is how that works. 5 points for each $1 spent at Choice hotels. This is from Visa. 10 points from Choice privileges (Which you get if you are a Member regardless of method of payment.) So in actuality the card is only giving you 5 points for each $1 spent not 15!
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David Brookins @steagles101
That's if you're lucky enough to ever get those 5 points! A year later and I'm still out hundreds of points because of what they call a "malfunction" in their system!
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Yaoping Chen @yaopingc
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1 Star Rating
Good luck redeeming a free night on a hot season (e.g. around Christmas) I tried and even a crappy Econolodge black the date out.
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Reylin Bates @reylin.bates
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5 Star Rating
The Choice Credit Card is definitely one of the best credit cards out there. There are many great things about it. If you stay in Choice hotels a lot and have good credit, you should definitely try to take advantage of this card. I like all of the rewards. I love being able to get free nights. It's nice sometimes to just go relax at a hotel. The bonus options are amazing. I would say this card is just as great as the Hilton Credit Card. They are similar in ways. The only thing I dislike a little is you have to have good credit for this, but that is not a major downfall since that is typical.
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William Reyes @williamreyesn
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4 Star Rating
The Choice credit card offer great perks and rewards just for using it. I travel frequently on business, and Choice hotels are some of my favorites. I like that it comes with initial attractive bonus options. The regular interest rate is average, about the same as other hospitality credit cards such as the Hilton Credit Card. It is awesome that there is no annual fee, plus they reward points for purchases at other establishments. It takes about 8,000 for a free night, which is great for card members who stay at Choice Privileges locations. In short, this card has a great balance of useful features, and decent rates, and incentives that will make card holders happy.
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Beth Babcock @beth.babcock.96
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3 Star Rating
We are retired and stay in Choice Privileges about 10 nights a year. With this card, we have not paid for a motel room in a couple of years. The only problem is that the quality of the motels, within the same brand name is not consistent.
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