Pros and Cons
Pros
No annual fee
New cardholder bonus offer
Luxury perks
Cons
Low rewards rate
Rewards have limited flexibility
No 0% intro APR
Detailed Review
The Best Western Rewards® Mastercard® — issued by a division of First National Bank of Omaha — is a frugal choice that offers rewards and perks for Best Western loyalists. But the value of those rewards falls short in comparison to the offerings of some other no-annual-fee hotel credit cards and general travel credit cards.
This card does come with a sign-up bonus, and you'll also get automatic Gold elite status, which means additional incentives like 10% bonus points per stay and room upgrades (when available). And with 4,300 Best Western properties in over 100 countries worldwide, you won't have much trouble finding places to use those perks.
But if Best Western isn't always your first choice for travel, plenty of other cards can offer more value and flexibility.
🤓Nerdy Tip
If you are a Best Western devotee, you might do better with this card's cousin, the Best Western Rewards® Premium Mastercard®. It has an annual fee of $89, but it offers more robust rewards and perks (although neither card offers a free anniversary night, a common perk among many hotel cards).
» MORE: NerdWallet’s best travel credit cards
Best Western Rewards® Mastercard®: Basics
Card type: Hotel.
Annual fee: $0.
Sign-up bonus: 40,000 points when you spend $1,000 in the first 3 billing cycles after the account is opened..
APR: The ongoing APR is 28.24%-29.74% Variable APR.
Ongoing rewards:
Earn 13 points per $1 spent on Best Western stays: 10 points as a Best Western Rewards member, 3 points with the card. (The Best Western Rewards program is free to join, and cardholders are automatically enrolled.)
Earn 2 points per $1 spent everywhere else.
Redemption options include nights with Best Western, airline miles, gift cards, merchandise and charitable donations. The value of points varies depending on which option you choose.
NerdWallet values Best Western points at 0.7 cent each. This is a baseline value, drawn from real-world data, not a maximized value. In other words, you should aim for award redemptions that offer 0.7 cent or more in value from your Best Western points.
Foreign transaction fee: None.
Other benefits:
Automatic Gold status, which gives 10% bonus points per stay and other perks.
» MORE: Best Western Rewards: The complete guide
Compare to Other Cards
NerdWallet rating
ANNUAL FEE
$0
INTRO APR
0% intro APR for 15 months on purchases and balance transfers
REGULAR APR
18.24%-28.24% Variable APR
RECOMMENDED CREDIT SCORE
NerdWallet rating
ANNUAL FEE
$95
INTRO APR
N/A
REGULAR APR
21.49%-28.49% Variable APR
RECOMMENDED CREDIT SCORE
NerdWallet rating
ANNUAL FEE
$325
INTRO APR
N/A
REGULAR APR
See Pay Over Time APR
RECOMMENDED CREDIT SCORE
Get more smart money moves — straight to your inboxBecome a NerdWallet member, and we'll send you tailored articles we think you'll love.
Benefits and Perks
$0 annual fee
The Best Western Rewards® Mastercard® packs reasonable value for a $0-annual-fee credit card. Its relative, the Best Western Rewards® Premium Mastercard®, offers better benefits and perks, but it has a $89 annual fee.
Here's how the two cards stack up:
NO-FEE CARD | ANNUAL FEE CARD | |
|---|---|---|
Annual fee | $0. | $89. |
Bonus offers | 40,000 points when you spend $1,000 in the first 3 billing cycles after the account is opened.. | Earn 80,000 points when you spend $3,000 in the first 3 billing cycles after the account is opened. |
Rewards |
|
|
Elite status | Automatic Gold status, which includes:
| Automatic Platinum status, which includes:
|
Solid sign-up bonus
The card’s sign-up bonus can be enough to jump-start your travel goals: 40,000 points when you spend $1,000 in the first 3 billing cycles after the account is opened. According to Best Western's website, you can get a free night starting at 5,000 points, so this bonus alone could snag you a multiple-night stay. However, the company also notes that the range is from 5,000 to 70,000 points per night, so it will depend on which Best Western property or location you choose for redemption.
Automatic Gold status
By becoming a cardholder, you automatically get bumped up to Gold elite status. Members at this level receive 10% points bonus, no blackout dates and other perks. To reach this tier without the card, you would have to accumulate eligible stays or nights, or earn 5,000 points from eligible stays only. With the Best Western Rewards® Mastercard®, you don’t have to put in that work to reap the status benefits.
» MORE: 6 things the Best Western Rewards program gets right
Drawbacks and Considerations
Other cards offer greater rewards value
True, the Best Western Rewards® Mastercard® offers a hefty number of points for spending with the hotel chain: 3 points per $1 spent on Best Western stays, on top of the 10 base points you already earn as a Best Western Rewards program member, on top of the 10% points bonus at the Gold status level. But general travel credit cards will earn you points that are both more valuable (worth at least a penny apiece) and more flexible, meaning they can be used on things other than stays with a single hotel brand.
A good example is the $0-annual-fee Wells Fargo Autograph℠ Card. It earns an unlimited 3 points per dollar spent on:
Restaurants.
Travel and transit.
Gas stations and EV charging stations.
Popular streaming services.
Select phone plans.
The card earns 1 point per dollar on all other purchases, and it comes with a solid sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
MORE: NerdWallet's best no-annual-fee travel credit cards
You’re not loyal to Best Western
Earning rewards will be a slow process if you don’t frequently stay at Best Western properties, and redemption values are a mixed bag, depending on what you choose. If you prefer a card with more flexibility, consider the Discover it® Miles credit card. It has a $0 annual fee and earns 1.5 miles per $1 spent. You can redeem miles for cash back or as credit toward travel purchases made with your card. No matter how you redeem, 1 mile equals 1 cent.
You want some interest-free breathing room
Like many hotel cards, the Best Western Rewards® Mastercard® does not offer an interest-free promotional period. If you’re looking to finance a vacation or your purchases, the aforementioned Discover it® Miles would again be a good pick.
