Best Western Rewards® Visa Signature® Card
A no-annual-fee hotel card from First Bank & Trust.
Rates, fees, and full terms are set by First Bank & Trust and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Best Western Rewards® Visa Signature® Card is a flat-rate cash back card from First Bank & Trust, running on the Visa network. The Best Western Rewards® Visa Signature® Card keeps things simple, earning a flat 2x on every purchase with no categories to track or quarterly activations. There is no annual fee, which means every dollar of rewards is pure profit. New cardholders can earn Up to 40,000 bonus points after with qualifying purchases in the first 3 months.
It is built for simplicity. There are no categories to track, no quarterly activations, and no annual fee, which makes it one of the easier cards to set and forget while still earning a respectable flat rate.
Think twice if: you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.
Our 7.5 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
The Best Western Rewards® Visa Signature® Card earns a flat 2x on every purchase. On a typical $29,160 of annual average household spending that comes to about $583 back a year, with nothing to track or activate.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 2x | Base rate |
| Groceries | 2x | Base rate |
| Gas | 2x | Base rate |
| Travel | 2x | Base rate |
| Streaming | 2x | Base rate |
| Everything else | 2x | Everything else |
The fine print on rates: Points are locked to Best Western Rewards and redeem for roughly 0.6 cent each toward free nights, so the everyday 2x rate is worth about 1.2%. Issued by First Bank & Trust and serviced by Mercury Financial.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- Flat 2x on every purchase
- No annual fee
- Welcome offer worth about $180
- No foreign transaction fees
- Rewards stay locked to this card and cannot be moved to travel partners
- Rewards are tied to one brand, so value drops if your plans change
The welcome bonus
The current welcome offer is Up to 40,000 bonus points, earned after you spend with qualifying purchases in the first 3 months. Valued honestly at a flat 1 cent per point, that is worth about $180. Stacking the welcome offer on top of a typical year of rewards and accounting for no annual fee, the first year is worth roughly $763.
First-year value vs ongoing value
| Welcome bonus | Up to 40,000 bonus points |
| To earn it | with qualifying purchases in the first 3 months |
| Est. first-year value* | $763 |
| Est. ongoing value / yr* | $583 |
The welcome bonus makes year one the high point: roughly $763 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $583 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- 13 points per dollar spent at Best Western hotels, including the base loyalty earning
- 2 points per dollar on all other purchases
- Automatic Best Western Rewards Gold elite status
- Diamond status after $10,000 in purchases in a calendar year
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
It is best for regular guests of this hotel brand who will use the free anniversary night and elite status to more than cover the annual fee.
Skip it if you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.
Alternatives to the Best Western Rewards® Visa Signature® Card
Pairs well with
The Best Western Rewards® Visa Signature® Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Best Western Rewards® Visa Signature® Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
