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Choice Hotels® have their own loyalty program called Choice Privileges® and their own co-branded cards - Choice Privileges® credit cards. So if Choice Hotels and their partner brands are your preferred places to stay at, you may want to consider a Choice Privileges credit card. The Choice Hotels credit cards are Mastercard credit cards, which means you will be able to use them for everyday purchases. The only drawback of Choice credit cards is that higher rewards are earned on bookings at participating Choice Hotels and earned points can be redeemed only at Choice Privileges.

If you are not staying at Choice Hotels often enough to justify their co-branded credit card, you may want to consider a different credit card. A general rewards credit card that will reward you for purchases you make often might be a better choice for you. Travel credit cards can also offer good rewards on all purchases, plus, they often come with increased rewards for travel purchases.

There are various rewards credit cards, and it might be hard to choose one best credit card for you. But if you are new to travel rewards or do not travel more than one or two times a year, look for simple credit cards with moderate annual fees. It might be a cash back credit card with fixed cash back or a card that offers a higher rewards rate on travel purchases. Such cards usually come with low to no annual fees, allow you to earn rewards without staying at hotels, and allow you to redeem earned rewards as statement credits or cash.

If you are an avid traveler and want your new credit card to have some travel benefits in addition to rewards earning, then look for travel rewards credit cards like the Citi Strata Elite℠ Card or the Wells Fargo Autograph Journey® Card. Such cards come with various travel credits and benefits like lounge access, upgrades, points transfers, or priority boarding. Another thing to consider when applying for such cards is that they also come with high annual fees and require good-to-excellent credit to qualify.

Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.