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Review of the Best Western® Rewards MasterCard®

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Brendan Harkness By Brendan Harkness Oct 21, 2016 | Updated Jan 07, 2020
Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 18.99% or 22.99% variable

Best Western Rewards® MasterCard®

Our rating
Good Min. credit level
Apply Now

If your questions are not answered by this post, use the Ask button in the top right to tell us what’s missing!

The Best Western Rewards MasterCard is designed for anyone who loves staying at Best Western Hotels and Resorts.

If you like getting point discounts, extra perks, and automatic Gold Elite Status, you’ll want this card as your traveling companion. You’ll get the most points and benefits at Best Western, but you can use this card anywhere MasterCard is accepted.

And there’s no annual fee, so it can be completely free to use as long as you avoid interest.

Best Western Rewards® MasterCard®

Best Western Rewards® MasterCard®

Our rating
Min. credit levelGood
Annual Fee$0
Regular APR18.99% or 22.99% variable
Apply Now

securely on the issuer's website

Card Rating: 5 Out Of 5 Stars

We gave the Best Western Rewards MasterCard 5 out of 5 Stars because there aren’t really any downsides to it. There’s no annual fee, so as long as you avoid interest you get all the points and benefits completely free.

This includes a high number of points per dollar, a nice set of bonus points, the ability to redeem those points the way you want to, and a higher Elite Status when you stay. If you stay with Best Western frequently enough, you should see a lot of value from this card as long as you make use of all the benefits available.

Should you be using this card to save money and get exclusive deals at Best Western? Keep reading to learn all the details, and see if it’s right for you.

The Rewards

  • 13 points per $1 spent on Best Western stays
  • 2 points per $1 spent everywhere else
  • 16,000 bonus points after your first purchase
  • 16,000 bonus points for your first night’s stay
  • Extra point opportunities with select partners
  • Earn airline miles instead of points

You’ll be earning a whole lot of points at Best Western, as you can see, so you’ll want to save this card for purchases with them for the most part. Try to get the bonus points quickly, because those 32,000 points will add up to 2 free night’s stays.

Cardholders will also have opportunities to earn extra points with with select partners, including travel services, like car rentals and airlines, along with retail stores.

If you’d like, you can choose to earn airline miles with an approved frequent flyer program instead of points. Or, you can convert your points later on to airline miles

You can redeem your points in a variety of ways – for stays, gift cards, exclusive travel packages, and special deals on retail. Some current examples include deals for power tools and bluetooth headphones, trips to amusement parks, gift cards for dining and travel, and free night’s stays all over the world.

The Benefits


  • Free Nights

    Earn up to 2 free nights with your signup bonus: 16,000 bonus points after your first purchase, and 16,000 bonus points on your first night’s stay.

  • Automatic Gold Elite Status

    Cardholders get automatic Gold Elite Status with Best Western, which includes a 10% point bonus on eligible stays and exclusive offers.

  • 10% Discount

    Get a 10% dicount when redeeming rewards if you select the Best Western Rewards Rate.

  • Elite Status Match

    Best Western will match your Elite status in other hotel loyalty programs with a similar level of service; just visit the Best Western Status Match page to learn more.

  • Free FICO® Credit Score

    You can check your FICO score for free anytime, without hurting your credit.

  • Earn Airline Miles

    You can choose to earn miles instead of points with approved frequent flyer programs, or convert them later on.


  • Zero Liability

    You won’t be held responsible for fraudulent charges (contact customer service immediately).


  • Purchase Protection

    Your purchases are protected against damage and theft for 90 days, up to $1,000 per claim.

  • Extended Warranty

    Adds up to one additional year to to a manufacturer’s original warranty.


  • Travel Accident Insurance

    Provides coverage while traveling by common carrier.

  • Auto Rental Insurance

    Provides coverage for collision and theft, as long you decline the rental company’s own insurance.

The Costs & Fees

Annual Fee Regular APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
$0 18.99% or 22.99% variable See Terms See Terms See Terms
Penalty APR Late Fee Returned Payment Fee
See Terms See Terms Up to $35

The costs and fees for this card are pretty straightforward.

There’s no annual fee to worry about, but you won’t get a 0% intro APR either. So interest will start accruing immediately, unless you pay off your balance in full each month to avoid it.

The Bottom Line

The Best Western Rewards MasterCard’s appeal is simple: if you spend a lot of time at Best Western Hotels and Resorts, you could get a lot of value out of this card every time you visit.

The costs and fees are easy to figure out, with no annual fee, so pay attention to the rewards and benefits. Ask yourself: how often do you stay with Best Western? How much money do you spend with them every year?

If you find yourself staying with them more than a few times per year, a credit card like this could help you save money, get access to better benefits and services, and just have a more comfortable time.

Not only will you earn 13 points per dollar, you’ll also get automatic Gold Elite Status, which provides a 10% point bonus and exclusive offers. You can raise your Elite Status even higher by staying over more every year: 15 nights per year to earn Platinum Elite Status, and 30 nights per year to earn Diamond Elite Status.

This is a very flexible card because it gives you a lot of ways to redeem your points. Rather than being forced to spend them with Best Western or as statement credits, like many other cards would have you do, you can redeem your points for frequent flyer miles, gift cards for a variety of companies, and travel packages, among other options.

This means you can earn points at that high 13:1 rate, and then get a lot of value out of them by trading them in for what you need.

Applying for the Best Western Rewards MasterCard

Want to learn more or apply for this card? Just click the name below.

Best Western Rewards® MasterCard®

Best Western Rewards® MasterCard®

Our rating
Min. credit levelGood
Annual Fee$0
Regular APR18.99% or 22.99% variable
Apply Now

securely on the issuer's website

Not the right card for you? Check out our picks for other great similar cards in the Best Hotel Credit Cards – 2016.

Was this review helpful to you? Go ahead and share it with a friend! And if you use the Best Western Rewards MasterCard click here to leave a review, we’d love to hear from you!

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