CHOICE PRIVILEGES MASTERCARD
Choice Privileges Mastercard (Credit Card)Mastercard
        
Free nights just got faster with the no annual fee Choice Privileges® MasterCard® credit card. Just apply today and every time you use your Choice Privileges MasterCard credit card, you'll earn points toward free nights. As a genuine MasterCard holder, your card is widely accepted all over the world. If you are in the market for a card that travels with you, choose the Choice Privileges MasterCard® Credit Card that brings you to Gold Status! Get the card. Earn one free night at over 1,500 hotels across North America!Until July 31, 2013 only, earn up to 24,000 points - enough for 3 FREE Nights1 at over 1,500 Choice Privileges locations across North America!
Location: Canada
Advantages:
1 The no annual fee Choice Privileges® MasterCard® credit card brings rewards closer to home and from around the world.
2. Apply today and you'll earn 8,000 points upon your first eligible transaction - that's enough for a free night1 at over 1,500 locations across North America!
3. Get away faster and easier by earning:
• Up to 15 points for every $1 in eligible purchases at over 5,500 Choice Privileges locations in Canada, the U.S., Europe, Mexico, and Australasia2
• 2 points for every $1 spent on everyday eligible purchases
• 2,000 Bonus Points every year on your account anniversary
• Up to an additional 4,500 Bonus points when you spend $30,000 in a calendar year
4. Plus, get automatically upgraded to Elite Gold status
Disadvantages:
To be charged on the day the transaction or event occurs:
1. Transaction Fees
2. Wire transfer: 1% of wire purchase amount (minimum fee of $7.50)
3. Balance transfer: 1% of amount advanced (minimum fee $7.50)
4. Access cheque or deposit: 1% of amount advanced (minimum fee $7.50)
5. Cash advance: 1% of amount advanced (minimum fee $7.50)
 
Account Fees
 
1. Over the credit limit: $25.00 per billing cycle
2. Returned payment: $20.00 per occurrence
3. Returned access cheque: $20.00 per occurrence
4. Extra copy of account statement or sales draft: $2.50
5. Inactive credit balance: If your account is inactive and has a credit balance, we will charge you annually on the date that your account was last active the lesser of:
(1) the credit balance; or
(2) $25
Services:
Optional MBNA CreditWise® - cover your account for up to 6 different benefits and a maximum policy coverage of $30,000!

APR: 16.99%
Credit Limit: Ask on application
Credit Rebuild: No
Chip and Pin: Yes
Under 18: No
SMS Banking: No

Fees: No annual fee
Cash Back: N/A
Cash Advances: 18.99%
Balance Transfer: 18.99%
New Purchase: 16.99%

Rewards:
1. Free Nights - at any of the over 6,000 Comfort, Comfort Suites, Quality, Sleep Inn, Clarion, Ascend Collection, Cambria Suites, MainStay Suites, Suburban Extended Stay, Econo Lodge or Rodeway Inn hotels worldwide.
2. Airline Rewards - exchange points for Airline Rewards with our 15 participating airline partners.
3. Free Nights at Luxury Hotels & Resorts - redeem at over 500 locations worldwide with no blackout dates.
4. Gift Cards & certificates - redeem 16,000 points for a $50 gift card/certificate at some of Canada's leading companies
        

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