CHOICE PRIVILEGES MASTERCARD
Choice Privileges Mastercard (Reward Credit Card)Mastercard
        
The Choice Privileges MasterCard® Credit Card issued by MBNA Canada is a hotel rewards offer that automatically upgrades you to Elite Gold Status – which earns you more points! Free nights just got faster with the no annual fee Choice Privileges® MasterCard® credit card. Apply today and you’ll earn 8,000 points upon your first eligible transaction - that's enough for a free night at over 1,500 locations across North America! There's no annual fee.
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 night at over 1,500 locations across North America!
3. Get away faster and easier by earning: 
4. 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 Australasia
5. 2 points for every $1 spent on everyday eligible purchases 
6. 2,000 Bonus Points every year on your account anniversary
7. Up to an additional 4,500 Bonus points when you spend $30,000 in a calendar year 8. Plus, get automatically upgraded to Elite Gold status, which gives you
the ability to book free nights 50 days in advance instead of 30 days
10.A 10% point bonus on every eligible stay
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: 19.99%
Credit Limit: Ask on application
Credit Rebuild: No
Chip and Pin: No
Under 18: No
SMS Banking: No

Fees: No annual fee
Cash Back: N/A
Cash Advances: 19.99%
Balance Transfer: 18.99%
New Purchase: 19.99%

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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