Terms and Conditions
Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

13.24%16.24% or 19.24% when you open your account, based on your credit worthiness.

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0% introductory APR for the first six billing cycles after the account is opened.

After that, your APR will be 13.24%, 16.24% or 19.24% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances


This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

Up to 30.24%, based on your creditworthiness.

This APR may be applied to your account if you make a late payment.

This APR will vary with the market based on the Prime Rate.

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR may apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $2.00 ($0.50 for residents of Iowa at time of account opening).

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 



Annual Fee


Transaction Fees:


  • Balance Transfer

Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first six billing cycles after account opening, either $10 or 3% of each transfer, whichever is greater).

  • Cash Advance

Either $10 or 4% of the amount of each cash advance, whichever is greater.

  • Foreign Transaction

3% of each transaction in U.S. dollars.

Penalty Fees:


  • Late Payment

Up to $35 (the amount of the fee varies by state, see below) 

  • Over-the-Credit-Line


  • Returned Payment

Up to $35 (the amount of the fee varies by state, see below) 

How We Will Calculate Your Balance: We use a method called “daily balance (including new purchases)”. If you are a resident of Iowa at the time the account is opened, we use a method called “average daily balance (including new purchases)”.

Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.

Terms and Conditions Continued:

Important Information about the Choice Hotels Credit Card Program: Offers may vary. Please carefully review the reward benefits (such as bonus miles/points and how miles/points are earned), interest rates and account fees and terms of this particular offer before applying.

Fees that Vary by State:
Late Payment Fee:
  Up to $35 (Up to $15 for residents of Iowa at time of account opening).
Returned Payment: Up to $35 (Up to $15 for residents of Iowa at time of account opening).

Terms and Conditions Authorization: I understand that the use of any credit card account opened or any card issued in connection with this offer will constitute my acceptance of and will be subject to the terms and conditions of these Terms and Conditions and the Cardmember Agreement that will be sent to me. I agree to be responsible for all charges incurred according to the Cardmember Agreement. I understand that after my account is opened, the terms of my account are subject to change as provided in the Cardmember Agreement.  I agree that if I am not approved for a Signature account that I may be approved for a Platinum account.

About This Offer: You must be at least 18 years of age. This offer is available only to applicants who are residents of the United States, with the exception of Puerto Rico and the US territories,  and may not be available if you already have or have had an account with us. If at the time of your application you do not meet the credit or income criteria previously established for this offer, or the income you report is insufficient based on your current obligations,    we may be unable to open an account for you, or you may receive a Platinum card. Platinum benefits differ from Signature benefits. Please review the materials provided with your card for details. 


About Us and This Credit Card Program: This credit card program is issued and administered by Barclays Bank Delaware, located in Wilmington, Delaware. Any credit card account opened in response to this application shall be governed by the laws of the State of Delaware. MasterCard is a registered trademark of MasterCard International Incorporated, and is used by us pursuant to a license. Visa is a registered trademark of VISA USA, Inc. and is used by us pursuant to a license.

Changes to Account and Benefits Terms: We reserve the right to change the APR and other account terms in accordance with the Cardmember Agreement, Delaware law and the Federal Truth in Lending Act. We also reserve the right to change the benefits and features associated with the card or the account.

About Your Credit Report and Your Credit Performance: You agree that Barclays has the right to obtain a current credit report in connection with our review of your application and, subsequently, in connection with a requested charge to any account with us, the renewal of your account, or a change in your credit line; and that we have the right to report to others our credit experience with you. Upon your request, we will tell you the name and address of each consumer reporting agency from which we obtained a consumer report about you. After your account is opened, we will periodically review your credit performance. If you do not maintain your credit performance, we may change your account terms.

How the Variable APRs on Your Account will be Determined: The APRs on your account will be determined each billing cycle by adding a margin to the Prime Rate (which will be the highest rate published in the Money Rates column of The Wall Street Journal on the last business day of each month). See your Cardmember Agreement for more detail. The APRs noted above are current as of 01/30/2014 using a Prime Rate of 3.25%.

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you apply for an account, we will ask for your name, street address, date of birth, social security number, and other information that will allow us to identify you. We may also ask to see copies of identifying documents. We also ask for your country of citizenship.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes, or court order under Section 766.70 adversely affects the interest of the creditor, Barclays Bank Delaware, unless the Bank, prior to the time the credit is granted or an open-end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY.

Your Telephone Number: By providing us with a telephone number(s), at the time you apply or anytime thereafter, you authorize Barclays and its affiliates, agents and independent contractors, to contact you regarding your account at such number using any means of communication, including, but not limited to calls placed to your cell, mobile or other phone using an automated dialing service, pre-recorded messages or text messages. Standard text messaging and/or calling charges may apply.

Balance Transfers. Here's How it Works:
To request a balance transfer please enter the 15/16 digit account number from the MasterCard, Visa, American Express, or Discover Card account that you want us to process a balance transfer to. If the total amount you request exceeds the assigned credit line on your new account, we may either decline the request or send a partial payment to your creditor(s).  The amount of available credit on your new account will be reduced by the amount transferred and the related balance transfer fees.  We reserve the right to decline to process any requested balance transfer.  We will not process a request to transfer a balance from any other account you may have with us. Balance transfers incur interest from the transaction date. You should not transfer the amount of any disputed purchase or other charge. If you do, you may lose your dispute rights.  Upon approval of your application we will process the requested balance transfer payment to the account(s) which you have requested on the 10th day after we’ve mailed you your card; during this 10 day time period you may cancel your balance transfer by contacting us at the number on the back of your card.

A balance transfer may take up to 4 weeks to post to your other credit card accounts. Continue to pay each creditor until the balance transfer appears on the other account as a credit. If you would like to complete a balance transfer from another account that is not a Visa, MasterCard, American Express, or Discover card, please call the phone number on the back of your new credit card once you are approved. Balance transfers are subject to availability. We may deny balance transfer requests at any time and for any reason.

Paying Interest on Balance Transfers and Cash Advances:
We charge interest on balance transfers and cash advances beginning on the transaction date. We charge interest on purchases unless you pay your entire balance, which includes all purchases, cash advances and balance transfers by the payment due date each and every month. Your entire balance includes any balances you transfer pursuant to this offer. This means that we will charge you interest on purchases if you do not pay any balance transfers in full by the first payment due date. Please see your Cardmember Agreement for details on how interest accrues.

Cash Equivalent Purchases: The purchase of money orders, travelers' checks, foreign currency, lottery tickets, gambling chips, wire transfers and other similar transactions are treated as cash advances. Please see the Cardmember Agreement that will accompany your credit card upon account opening for more details.

The information contained in these disclosures is accurate as of 01/30/2014 and may change after this date.

Barclays' Privacy Policy is available online at www.BarclaycardUS.com. I agree that Barclays Bank Delaware and Choice Hotels International, Inc may share information about me and my Account to the extent needed to administer the Choice Privileges® Visa Card in conjunction with the Choice Privileges Rewards Program.

The Choice Privileges® Visa® Card Program

a) Upon application approval, the Choice Privileges® Visa® Card Account ("Account") will be issued by Barclays Bank Delaware ("Barclays"). Barclays is solely responsible for all credit and eligibility standards and determination of Card issuance. To be eligible to earn Choice Privileges Points ("Points") on the Account, the Choice Privileges Visa Cardmember must keep the Account open and in good standing, be a consumer (no corporations etc. may participate) and be a permanent resident of the United States.

b) The Choice Privileges Rewards Program (the "Rewards Program") is a program offered by Choice Hotels International, Inc. (“Choice Hotels”) and is not a product or program of Barclays. Choice Hotels® is solely responsible for establishing the terms and conditions of participation and subsequent Point accumulation in the Rewards Program. All Rewards Program terms and conditions apply. Choice Hotels may change the Rewards Program, including its rules and regulations, at any time with or without prior notice. For complete details of Choice Hotels agreements (including Privacy Policy and Terms and Conditions), go to www.choicehotels.com.  Choice Hotels is not responsible for any goods or services offered by Barclays.

c) On the closing date of each billing cycle that your Account remains open and in good standing, Barclays will report to Choice Hotels the Net Purchases charged to your Account during a billing cycle and request that Choice Hotels award Points as set forth in paragraph (d). If your Account is not open and in good standing on the date a billing cycle closes, then Barclays will report no Net Purchases to Choice Hotels for that billing cycle. Barclays will ask that Points be awarded to the Primary Cardmember, regardless of who made the "Purchase." "Net Purchases" for a billing cycle are determined by totaling all new Purchases added to the Account during the billing cycle, and then subtracting credits posted to the Account during the period for returned Purchases and/or adjustments. For purposes of reporting Net Purchases, Barclays may round down to the nearest whole dollar amount.  If credits for returned Purchases exceed new Purchases during a billing cycle, Barclays will calculate negative Net Purchases and reduce the Primary Cardmember's accrued Points accordingly. Point accumulation is subject to certain limitations, exclusions and restrictions. Net Purchases do not include fees, charges, credit insurance premiums, or transactions posting as Cash Advances or non-qualifying Balance Transfers, whether received from financial institutions, automated teller machines, by use of Barclays, checks, or by any other means. Barclays reserves the right to exclude from Net Purchases any unauthorized Purchases, Purchases which are added to your Account after the Account is past due or over the credit line. Barclays may ask Choice Hotels to withdraw Points previously awarded if your Account is more than sixty (60) days past due, or if the Points were awarded on Purchases not authorized by you. Barclays is not responsible to award Points under the Program, to arrange or provide for any goods or services related to the use of Points, for any delay, failure, or refusal by Choice Hotels to award or redeem Points, or for any decision by Choice Hotels to revoke or cancel Points or membership in the Rewards Program. Barclays will show on your monthly credit card Account statement the Primary Cardmember's accrued Points as reflected in their records.  There is no limit to the number of Points a Cardmember can earn on the Account.

d) Points Accrual

All Cardholders will earn ten (10) Points for every one dollar ($1.00) spent on eligible MainStay Suites®, Suburban Extended Stay®, Econo Lodge® and Rodeway Inn® property stays.  Points are based on five (5) Points for every one dollar ($1.00) spent with the Choice Privileges Visa card linked to the same Choice Privileges membership and five (5) Points for every one dollar ($1.00) spent with the Choice Privileges program. 

Eligible stays at all other Choice Privileges locations will earn fifteen (15) Points for every one dollar ($1.00) spent based on ten (10) Points for every one dollar ($1.00) earned through the Choice Privileges membership and five (5) Points for every one dollar ($1.00) spent with the Choice Privileges Visa card linked to the same Choice Privileges membership.

In addition, all Cardmembers will earn five (5) Points for every one dollar ($1.00) spent on new, net retail purchase transactions (purchases less credits, returns, and adjustments) of Points and Choice Hotels gift cards.  Cardholders earn two (2) Points for every one dollar ($1.00) spent on all other purchases, including non-point eligible Choice Privileges stays. 

All Points are earned on new, net retail purchase transactions (purchases less credits, returns, and adjustments).

Choice Privileges locations include properties in the U.S., Canada, Europe, the Middle East, Mexico, Central America, the Caribbean and Australasia.  Europe excludes Denmark, Estonia, Finland, Iceland, Latvia, Lithuania, Norway and Sweden.  Australasia includes Australia, New Zealand, Singapore, Papua New Guinea, and Fiji.

For a list of Choice Hotels brand properties, please visit www.choiceprivileges.com.

Bonus Points

First Use Points - All Cardmembers will earn 16,000 Points upon the first use of the Account for a purchase or balance transfer. 

First Stay Points – Cardmembers will also earn an additional 8,000 Points after the first paid stay with their new Account at a Comfort Inn®, Comfort Suites®, Quality®, Sleep Inn®, Clarion®, Ascend Collection®, Cambria Suites®, MainStay Suites®, Suburban Extended Stay®, Econo Lodge® or Rodeway Inn® hotel in the U.S.  Three free nights are based on 24,000 Points.  A free night requires more Points at most hotels.  For Point level information, visit choiceprivileges.com. 

All Points will be awarded at the close of the Cardmember's billing statement after the qualifying transaction(s) have posted.

Please allow 4-6 weeks for all Points, including first use and first stay bonus Points, to be deposited into the Rewards Program account.  All Rewards Program terms and conditions apply.  See choiceprivileges.com for details.

From time to time, Choice Hotels and/or Barclays may offer bonuses or awards or other premiums (for example, First-Purchase Bonus Points) to new Cardmembers. Unless otherwise stated in the offer, these bonuses and/or awards are intended for persons who are not and have not previously been Cardmembers of the Choice Privileges Visa Card program. You understand and agree that, unless Barclays otherwise states, Cardmembers are no longer eligible to receive these bonuses and/or awards for any new Account you open after the initial Account is opened. If you receive a bonus or award for which you are not eligible, Barclays may direct Choice Hotels to revoke the bonus or award or reduce your Choice Privileges Rewards Points by the amount of the bonus or award, or charge your Account for the fair value of the bonus or award, at our option.  There is no limit to the number of Points a Cardmember can earn on the Account.

e) Redeeming Points - To redeem Points at anytime, log on to the Rewards Program account at www.choiceprivileges.com  or call the Choice Hotels Service Center at 1-888-228-2000.

Choice Hotels is not a party to the Credit Card Cardmember Agreement between you and Barclays, does not participate in any extension of credit, and has no authority regarding your Account. Barclays is the sole creditor and owner of your Account. You authorize Barclays to share information about your Account with Choice Hotels to the extent needed to administer the Rewards Program. You also agree that Barclays may share Account information with Choice Hotels as set forth in its Privacy Policy which can be found at www.barclaycardus.com. 


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