Best Western Rewards Visa Signature Card

Earning Rates

Key Benefits

All Benefits

• Earn 32,000 bonus Best Western Rewards points after spending $1,000 on purchases in the first 90 days from account opening (current public welcome offer marketed on the Best Western Rewards Visa product page; at the Best Western Rewards baseline redemption value of roughly 0.6 cents per point, the welcome offer is worth approximately $192 in cash-equivalent value, or enough for multiple free nights at lower-tier Best Western, SureStay, and Aiden / Sadie boutique properties that price from 8,000 to 16,000 points per night)
• $0 annual fee (no annual fee in year one and no annual fee in any subsequent year; this is one of only a handful of $0-AF hotel co-brand cards that still grants automatic mid-tier hotel elite status, alongside the Hilton Honors no-annual-fee card and the IHG One Rewards Traveler card)
• 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)
• 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)
• 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)
• 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)
• Automatic 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)
• 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)
• Free anniversary night certificate: Not offered as a confirmed in-market benefit on the Best Western Rewards Visa (Best Western's $0-AF Visa is positioned around the 13X multiplier and automatic Platinum status rather than an annual free-night certificate; if a free-night perk is advertised in a targeted offer it should be verified against the current cardholder agreement, but the standard public product is not built around an anniversary night the way the Hilton Surpass, Marriott Boundless, IHG Premier, or Wyndham Earner-tier cards are)
• No 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)
• Redeem 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)
• Indicative 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)
• Points do not expire as long as you maintain qualifying account activity in Best Western Rewards (qualifying activity historically includes a paid stay, a points-earning credit card transaction on the co-brand Visa, or a points purchase / transfer / redemption within the program's activity window; verify the current expiration policy on the Best Western Rewards Terms and Conditions page)
• Convert 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)
• 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)
• Chip-and-signature / contactless chip technology for secure in-person purchases at chip terminals in the U.S. and abroad
• $0 Fraud Liability protection: cardholder is not responsible for unauthorized charges on the account (Visa Zero Liability standard, administered by First Bank & Trust)
• Online account management via the First Bank & Trust co-brand portal, including statement access, payment scheduling, AutoPay, transaction alerts, and digital card controls
• Tier-qualifying nights or stays toward higher Best Western Rewards elite tiers (Diamond, Diamond Select) from cardholder spend: Not specifically advertised. The card grants automatic Platinum but does not publicly advertise spend-based elite-night accelerators toward Diamond or Diamond Select the way Hilton, Marriott, and IHG co-brand cards do
• Airport lounge access: Not offered (no Priority Pass, no Best Western-sponsored lounge access, no airport lounge credit on the Best Western Rewards Visa; First Bank & Trust does not advertise any lounge benefit on this card)
• Airline elite status: Not offered (no complimentary airline elite status of any kind; the only complimentary status conferred is Best Western Rewards Platinum Elite)
• Hotel elite status outside Best Western: Not offered (no Hilton, Marriott, Hyatt, IHG, Wyndham, or Choice status is conferred by the card)
• Annual statement credits (travel, dining, streaming, rideshare, Best Western, gas, grocery): Not offered (the Best Western Rewards Visa does not provide any recurring annual or monthly statement credits; the value proposition is the 13X / 2X / 1X multiplier structure plus automatic Platinum status plus the no-fee / no-FX-fee combination, not credits)
• Global Entry / TSA PreCheck / NEXUS application fee credit: Not offered on this card
• Cell phone protection: Not offered (First Bank & Trust does not advertise cellphone protection as a benefit of the Best Western Rewards Visa; cardholders who need this perk should look to Wells Fargo, Chase Ink Business, or Mastercard World Elite-tier cards)
• Travel insurance suite (trip cancellation, trip interruption, trip delay, baggage delay, lost luggage, emergency evacuation, travel accident insurance): Not specifically advertised on the Best Western Rewards Visa product materials; cardholders should consult the First Bank & Trust Guide to Benefits for any Visa-baseline residual coverage
• Purchase protection and extended warranty: Not specifically advertised on the Best Western Rewards Visa; these are issuer-optional on Visa Traditional / Classic tier and First Bank & Trust does not market them on this card
• 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)