Best Western Rewards Premium Visa Signature
First Bank & Trust$89 a yearVisa SignatureNo foreign transaction fee
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
80,000points
after $3,000 in purchases in the first 3 months
A typical spender, at Miles' point values; a gated item counts only if its condition is met.
| First-year value | Amount |
|---|---|
| Welcome bonus80,000 points at 0.61¢ | $488 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$37 |
| Best Western Rewards free nightEarned after $10,000 in card spend in a cardmember year | +$52 |
| Annual fee | −$89 |
| Meeting the $3,000 minimumearns 1.22% here vs 2% on Double Cash | −$24 |
| First year | $464 |
| Each year after | +$379 |
Not counted in the first year: status, anniversary free nights and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 4X | Grocery Stores | 2.4% |
| 4X | Gas Stations | 2.4% |
| 10X | Best Western purchases | 6.1% |
| 2X | Everything else | 1.2% |
Noteworthy perks
- Best Western Rewards free nightArrives on your card anniversary, after the first year
- Best Western Rewards Platinum
Personal card · Earns Best Western Rewards
Benefits
Elite status (1)
- Best Western Rewards: Platinum
Protections (8)
- Travel Accident Insurance, up to $750,000, Up to $750,000 for accidental death or dismemberment on common carrier.
- Trip Cancellation/Interruption, up to $2,000, Up to $2,000 per person for non-refundable fare when trip is cancelled or interrupted for a covered reason.
- Trip Delay, up to $300, Up to $300 when trip is delayed more than 12 hours for a covered reason.
- Baggage Loss/Delay, Reimbursement for lost or delayed baggage.
- Purchase Protection, up to $1,000, 90 days coverage for damage or theft, up to $1,000 per claim.
- Extended Warranty, up to $10,000, Extends manufacturer's U.S. warranty up to one additional year on eligible warranties of 3 years or less. Up to $10,000 per claim.
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage for collision damage and theft when rental vehicle is paid for with card.
- Cell Phone Protection, up to $800, Up to $800 per claim with $100 deductible, up to $1,600 per calendar year. Must pay monthly wireless bill with card.
Other Perks
- Anniversary free night award
- Free night award after $10K spend in cardmember year
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Best Western PremiumOct 8, 2026
- changed from null to 3000Aug 13, 2026
- changed from null to 90Aug 13, 2026