Barclays
Choice Privileges
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Card review
Choice Privileges
Barclays
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$662/yr
Credit score
Varies
Top earn rate
15x travel
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Choice Privileges from Barclays carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $662.40 in rewards plus $0.00 in credits and perks — $662.40 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| TravelChoice Hotels | 15× |
| TravelChoice Privileges points or Choice Hotels gift card | 5× |
| Everything elseAll Purchases | 2× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Elite Gold
Recieve Choice Hotels Elite Gold Membership. Earn 10% bonus points every time they stay at eligible Choice Hotels.
- Anniversary Points
Earn 8,000 anniversary bonus points every year if you spend $10,000 or more on purchases.
Included, not priced
- Anniversary Points (Earned)
Earn 8,000 anniversary bonus points every year if you spend $10,000 or more on purchases.
Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.