Review: Best Western Credit Card

Best Western, in partnership with First Bankcard / First National Bank of Omaha, offers several credit cards that allow you to gain rewards for Best Western stays and other purchases. Our overview / review of each card is below:

  • The Best Western Rewards MasterCard has no annual fee and offers 13 points per dollar on Best Western stays (which is actually 3 extra points over the standard rewards program) and 2 points per dollar on all other card purchases. You can earn bonus points for using the card in the short term: 16,000 bonus points after your first purchase with the card, plus another 16,000 points the first time you use the card to book a Best Western hotel stay. Each Best Western point seems to be equal to not even a half-penny — $100 in Best Western travel credit requires 24,000 points, for example — so take that into consideration when seeing these point totals. Interest rate of either 20.24% or 24.24% is very high — be sure you always pay off your complete card balance.


  • The Best Western Rewards Premium MasterCard may interest you if you really stay at Best Western often. It has an annual fee of $59 (but $0 the first year you have the card) but higher point rewards. You get 20 points per dollar on Best Western stays (which is an extra 10 points over their standard rewards program) and 2 points per dollar anywhere else the card is used. Your upfront bonus is bigger, too: 50,000 bonus points if you use the card for at least $1000 in purchases within 3 months. You’ll also get an annual 20,000 bonus points if you’ve put at least $5,000 in purchases on the card in the previous year. As noted above, points are worth less half a cent, so take that into consideration in calculating the value of all the rewards. The interest rate tiers are slightly lower than the no-annual-fee version, at either 18.24% or 24.24% depending on your credit history.
  • The Best Western Rewards Secured MasterCard is for those with bad credit. Unlike “regular” credit cards, secured credit cards require you to make a security deposit, and your credit line is equal to the amount of that deposit. In this case, you can deposit anywhere from $300 to $5000. You use the card just like any other credit card, meaning you pay it off each month; the security deposit is only there as a backup, and it will be returned to you when you no longer want the card (provided you’ve completely paid your balance). It also has a $29 annual fee in addition to your security deposit. In terms of Best Western rewards, it gives you 13 points per dollar on Best Western stays, 2 points per dollar on all other purchases, and a 5,000-point bonus the first time you use the card. Interest rate is 22.49%. Note that the card issuer First Bankcard says you may be able to “Graduate to an unsecured card in as little as 11 months when you maintain a good payment history” on this card, so you may only need to put a deposit down for a little while. (See out secured credit cards page for other options if you have bad credit.)
  • The Best Western Rewards Business MasterCard has no annual fee and offers 13 points per dollar on Best Western stays (which is actually 3 extra points over the standard rewards program), 3 points on “business expenses” (includes categories like computer, telecommunications, office supplies, etc.) and 1 point per dollar on all other card purchases. You can earn bonus points for using the card in the short term: 48,000 bonus points if you spend $1000 with the card in the first three months of having it. You’ll also get an annual 32,000 bonus points if you’ve put at least $25,000 in purchases on the card in the previous year. Offers better interest rates than the consumer cards — 14.49% or 16.49% or 21.49%, epending on your credit history.