Best Western Rewards Visa Signature Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earning Rates
Earning rates
3- 13xlodging
Earn 13 points per $1 spent on eligible purchases made directly at Best Western branded hotels worldwide, including Best Western, Best Western Plus, Best Western Premier, Vib, GLo, Executive Residency, Aiden, Sadie, SureStay, SureStay Plus, SureStay Studio, SureStay Collection, and BW Premier Collection properties (the 13X rate stacks the card multiplier on top of base Best Western Rewards earning; verify exact stack-vs-replace mechanics in the cardholder agreement before relying on a specific points-per-dollar projection)
- 2xdining
Earn 2 points per $1 spent on eligible gas station purchases, grocery store purchases, and restaurant purchases (a 2X-on-everyday-spend structure that mirrors entry-level travel cards; certain warehouse clubs and superstores such as Walmart, Target, and Costco may code as discount stores or wholesale clubs rather than grocery and therefore earn only 1X)
- 1xeverything else
Earn 1 point per $1 spent on all other purchases (the standard catch-all earn rate; cash advances, balance transfers, and fees do not earn points)
Transfer partners
1Perks & memberships
5- Elite statusAutomatic Best Western Rewards Platinum Elite status for as long as you are a cardholder (Platinum is the mid-tier in the Best Western Rewards program, sitting above Gold and below Diamond and Diamond Select; the card confers this status without any nights-stayed requirement, which is the headline elite-status perk on a $0-AF card)
- No foreign feesNo foreign transaction fees on purchases made outside the United States (a meaningful perk on a $0-AF card; many no-annual-fee cards charge 3% on foreign purchases, so this makes the Best Western Rewards Visa usable on international Best Western stays in Europe, Asia, and Latin America without a currency-conversion penalty)
- Free nightRedeem Best Western Rewards points for free nights at participating Best Western, SureStay, Aiden, Sadie, and BW Premier Collection properties worldwide, plus gift cards, merchandise, and airline-mile conversions through the Best Western Rewards portal (free-night pricing typically starts around 8,000 points per night at lower-tier SureStay and Best Western properties and scales up to 70,000+ points at top-tier Best Western Premier / Aiden / Sadie boutique hotels)
- Free nightIndicative Best Western Rewards point value of approximately 0.6 cents per point when redeemed for free nights at mid-tier Best Western and Best Western Plus properties (this is the common third-party cents-per-point benchmark; actual value varies widely by property, season, and cash rate, and budget-tier SureStay redemptions sometimes deliver higher cents-per-point than premium-tier Aiden / Sadie redemptions because cash rates are lower)
- Free nightConvert Best Western Rewards points to partner airline miles with select Best Western Rewards airline partners (the conversion ratios are not generous on a cents-per-point basis and are generally inferior to redeeming for free nights at Best Western properties; useful primarily for topping off an existing airline mileage account)
Travel & purchase protections
2- Visa network baseline benefits as elected by First Bank & Trust in the cardholder Guide to Benefits (the Visa baseline at the Traditional / Classic tier includes Zero Liability for unauthorized purchases and emergency card replacement; higher-tier protections such as auto rental collision damage waiver, trip cancellation insurance, baggage delay coverage, purchase protection, and extended warranty are issuer-optional and First Bank & Trust does not prominently advertise them on the Best Western Rewards Visa, so cardholders should consult their specific Guide to Benefits before relying on any individual coverage)
- $0 Fraud Liability protection: cardholder is not responsible for unauthorized charges on the account (Visa Zero Liability standard, administered by First Bank & Trust)
More benefits & fine print (4)ShowHide
- Issued by First Bank & Trust of Brookings, South Dakota on the Visa network (First Bank & Trust is the Best Western Rewards Visa issuer of record; this is the same small-issuer relationship Best Western has maintained for years and is distinct from the larger Barclays / Synchrony / Chase co-brand portfolios)
- Best Western Rewards Platinum on-property benefits typically include a 10% points bonus on paid stays, complimentary welcome gift / amenity at check-in (varies by property and region), and preferred room availability at participating Best Western hotels (specific perks are set by the loyalty program and may vary by property; verify on the current Best Western Rewards Member Levels page before relying on any one perk)
- Online account management via the First Bank & Trust co-brand portal, including statement access, payment scheduling, AutoPay, transaction alerts, and digital card controls
- Card network: Visa (not Mastercard or American Express; this matters for international acceptance because Visa has the broadest global merchant footprint and is universally accepted at Best Western properties in all operating regions)
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