First Bank Trust
Best Western Rewards Visa Signature Card
No annual fee · Earns BEST_WESTERN
A no annual fee Best Western hotel card (not the Premium Visa Signature). It is issued by First Bank & Trust with Mercury Financial as program manager. It earns 4 points per $1 at participating Best Western hotels and 2 points per $1 on all other purchases, with no foreign transaction fee. You get 10,000 anniversary bonus points each year you spend $5,000 or more and automatic Gold Elite status in Best Western Rewards while the account is open and in good standing. The welcome bonus is personalized, 10,000 to 40,000 points shown before you apply.
Maintained by Creddy Editorial · Catalog checked Oct 30, 2026
Best Western Rewards Visa Signature Card at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- First Bank Trust
- Rewards:
- BEST_WESTERN
Best Western Rewards Visa Signature Card Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Hotels | 4x | |
| Everything else | 2x |
Who Should Get the Best Western Rewards Visa Signature Card?
The Best Western Rewards Visa Signature Card fits people who spend most on hotels (4x). It has no annual fee, so it costs nothing to keep.
Is the Best Western Rewards Visa Signature Card Worth It?
The Best Western Rewards Visa Signature Card has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Best Western Rewards Visa Signature Card Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Best Western Rewards Visa Signature Card. Its value comes from its rewards and other benefits on this page.
Best Western Rewards Visa Signature Card Travel Benefits
Hotel Status
- Automatic Gold Elite Status
Get automatic Gold Elite status in Best Western Rewards as long as your card account remains open and in good standing.
Checked Oct 30, 2026Source
Travel Insurance
- Trip Delay Reimbursement
Get reimbursed up to $300 per ticket for covered expenses when your trip is delayed more than 12 hours.
Checked Oct 30, 2026Source - Trip Cancellation and Interruption Insurance
Get reimbursed up to $2,000 per insured person for prepaid, non-refundable travel costs when a covered event forces you to cancel or cut short a trip.
Checked Oct 30, 2026Source - Travel Accident Insurance$1000 / yr
Travel accident insurance of $1,000 for covered accidents on trips charged to the card.
Checked Oct 30, 2026Source
More Best Western Rewards Visa Signature Card Benefits
Bonus Earnings
- 4x Points at Participating Best Western Hotels4x points
Earn 4 Best Western Rewards points per $1 in net purchases at Best Western hotels that participate in the Best Western Rewards program.
Checked Oct 30, 2026Source - 2x Points on All Other Purchases2x points
Earn 2 Best Western Rewards points per $1 on all other qualifying net purchases.
Checked Oct 30, 2026Source - 10,000 Anniversary Bonus Points10,000 pts / yrTrackableMin spend $5,000
Earn 10,000 bonus points each 12 month period in which you make at least $5,000 in net purchases on the card.
Purchase Protection
- Cell Phone Protection$800 / yr
Cell phone protection up to $800 per claim, with up to 2 claims and $1,600 per 12 months, subject to a $100 deductible.
Checked Oct 30, 2026Source
Fees & Miscellaneous
- No Foreign Transaction Fees
You pay no foreign transaction fee on purchases made outside the United States.
Checked Oct 30, 2026Source
Best Western Rewards Visa Signature Card vs Similar Cards
- AAdvantage MileUpNo annual fee
- AARP Essential RewardsNo annual fee
- AARP Travel RewardsNo annual fee
- Amazon PrimeNo annual fee
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Best Western Rewards Visa Signature Card FAQs
What is the Best Western Rewards Visa Signature Card annual fee?
No annual fee
What are the best Best Western Rewards Visa Signature Card benefits?
10,000 Anniversary Bonus Points (10,000 pts / yr)