Drury Rewards® Visa® Credit Card Review

When it comes to choosing the right credit card, frequent travelers and hotel enthusiasts often look for rewards that align with their lifestyle. The Drury Rewards® Visa® Credit Card is specifically designed for those who frequently stay at Drury Hotel properties and want to maximize their rewards. In this comprehensive review, we will delve deep into the features, benefits, fees, and overall value of this card to help you make an informed decision.

Drury Rewards® Visa® Credit Card Review

The Drury Rewards® Visa® Credit Card offers an enticing rewards structure, especially for those who are loyal to Drury Hotel properties. Here are the key details of the card:
– 15x Drury Rewards points per $1 spent at Drury Hotel properties.
– 2x Points per $1 spent on Gas, Restaurants, and Utilities.
– 1x Point per $1 spent everywhere else Visa is accepted.
– 15,000 Points after spending $500 or more within 90 days.
– $0 Annual Fee
– 21.49% Variable APR for Purchases and Balance Transfers
– 30.49% Variable APR for Cash Advances

Drury Rewards® Visa® Credit Card Key Takeaways

– High Rewards Rate for Drury Hotel Stays: Earn a whopping 15x points per dollar spent at Drury Hotel properties, making it an excellent choice for frequent guests.
– Bonus Categories: Earn 2x points on gas, restaurant, and utility purchases, which can add up quickly for everyday spending.
– Welcome Bonus: Earn 15,000 bonus points after spending $500 in the first 90 days from account opening, which can be a significant boost for new cardholders.
– No Annual Fee: Enjoy all the benefits and rewards without the burden of an annual fee.
– Variable APR: The card comes with a 21.49% variable APR for purchases and balance transfers and a higher rate of 30.49% for cash advances, which is something to consider if you tend to carry a balance.
– Good to Excellent Credit Required: Applicants typically need a credit score between 670 and 799 to be approved.
– Commerce Bank Issuer: The card is issued by Commerce Bank, known for its diverse range of credit card offerings and reliable customer service.

Drury Rewards® Visa® Credit Card Pros and Cons

Pros:

– No Annual Fee: This is a significant advantage as it allows cardholders to maximize their rewards without worrying about an annual cost.
– High Rewards Rate at Drury Hotels: Earning 15x points per dollar spent at Drury Hotel properties is one of the highest rates in the industry for hotel-specific spending.
– Bonus Points on Everyday Spending: The 2x points on gas, restaurants, and utilities make it easy to rack up rewards on common expenses.
– Welcome Bonus: The 15,000-point welcome bonus after spending $500 within 90 days is relatively easy to achieve and adds great initial value.
– Fraud Protection: Cardholders benefit from robust fraud protection features, which add a layer of security to their transactions.
– Purchase Protection: The card offers protection on eligible purchases, providing peace of mind for cardholders.

Cons:

– High APR: The 21.49% variable APR for purchases and balance transfers, and the 30.49% APR for cash advances, can be steep if you carry a balance.
– Foreign Transaction Fee: While the card does not specify the exact fee, foreign transaction fees can be a drawback for international travelers.
– Penalty Fees: Late payment fees can go up to $39, and the penalty APR can reach as high as 32.49%, which can be punitive for those who miss payments.
– Limited Redemption Options: Points are best redeemed for stays at Drury Hotels, which might limit the flexibility for some users.

Drury Rewards® Visa® Credit Card Benefits

Rewards Program

The standout feature of the Drury Rewards® Visa® Credit Card is its rewards program, particularly for those who frequently stay at Drury Hotel properties. Here’s a closer look at how you can earn and redeem points:
– Earning Points:
– 15x Points at Drury Hotels: This is an exceptional rate, making it very attractive for loyal Drury guests.
– 2x Points on Gas, Restaurants, and Utilities: These categories cover a broad range of everyday expenses, allowing cardholders to accumulate points quickly.
– 1x Point on Other Purchases: While this is standard for many rewards cards, it ensures you earn points on every purchase.
– Redeeming Points:
– Hotel Stays: Points can be redeemed for free nights at Drury Hotels, which is the most valuable use of points.
– Gift Cards and Merchandise: While these options are available, they typically offer lower value compared to hotel stays.
– Travel and Experiences: Some cards offer redemption options for travel or unique experiences, but this card focuses primarily on Drury Hotel stays.

Additional Benefits

– Welcome Bonus: The 15,000-point welcome bonus is a significant perk for new cardholders, especially considering the low spending requirement of $500 within the first 90 days.
– Fraud Protection: The card comes with built-in fraud protection, ensuring that unauthorized transactions are identified and addressed promptly.
– Purchase Protection: Cardholders can benefit from purchase protection on eligible items, providing coverage for theft or damage.
– Travel Benefits: While the card does not offer extensive travel benefits like some premium cards, the high rewards rate for Drury Hotel stays can be considered a travel benefit for frequent guests.

Rate and Fee Information

– Annual Fee: $0, which is a significant advantage for cardholders looking to maximize their rewards without incurring additional costs.
– Purchase APR: 21.49% Variable. This rate is relatively high, so it’s important to pay off your balance in full each month to avoid interest charges.
– Intro Balance Transfer APR: None. Balance transfers will incur the standard 21.49% APR.
– Balance Transfers APR: 21.49% Variable. This is the same as the purchase APR.
– APR for Cash Advances: 30.49% Variable. Cash advances should be avoided due to the high interest rate.
– How to Avoid Paying Interest: Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay the entire balance by the due date each month. Interest will be charged on cash advances and balance transfers from the transaction date.
– Fees:
– Balance Transfer Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
– Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
– Penalty Fees: Late payment fees can go up to $39, and the penalty APR can reach as high as 32.49%.

Drury Rewards® Visa® Credit Card Benefits

No Annual Fee

One of the most compelling benefits of the Drury Rewards® Visa® Credit Card is the lack of an annual fee. This allows cardholders to enjoy all the rewards and benefits without the burden of an annual cost, making it an attractive option for those looking to maximize their rewards.

High Rewards Rate at Drury Hotels

The card’s standout feature is its 15x points per dollar spent at Drury Hotel properties. This is one of the highest rewards rates available for hotel-specific spending, making it an excellent choice for frequent Drury guests.

Bonus Points on Everyday Spending

The 2x points on gas, restaurant, and utility purchases cover a broad range of everyday expenses, allowing cardholders to rack up rewards quickly. This makes the card a versatile option for those who want to earn rewards on more than just hotel stays.

Welcome Bonus

The 15,000-point welcome bonus after spending $500 within the first 90 days is a significant perk for new cardholders. It provides a substantial boost in points that can be redeemed for free nights at Drury Hotels, making it easier to start enjoying the benefits of the card right away.

Fraud Protection

The Drury Rewards® Visa® Credit Card comes with robust fraud protection features, ensuring that unauthorized transactions are identified and addressed promptly. This provides cardholders with peace of mind when using their card for both everyday purchases and travel expenses.

Purchase Protection

Cardholders can benefit from purchase protection on eligible items, providing coverage for theft or damage. This is an added layer of security for those who frequently make purchases with their credit card.

Travel Benefits

While the card does not offer extensive travel benefits like some premium cards, the high rewards rate for Drury Hotel stays can be considered a travel benefit for frequent guests. Additionally, cardholders can benefit from the robust fraud protection and purchase protection features when traveling.

Conclusion

The Drury Rewards® Visa® Credit Card is an excellent choice for those who frequently stay at Drury Hotel properties and want to maximize their rewards. With a high rewards rate of 15x points per dollar spent at Drury Hotels, 2x points on gas, restaurant, and utility purchases, and a 15,000-point welcome bonus, the card offers significant value for loyal Drury guests.
The lack of an annual fee makes it an attractive option for those looking to maximize their rewards without incurring additional costs. However, the high variable APR for purchases and balance transfers, as well as the even higher APR for cash advances, means that cardholders should aim to pay off their balance in full each month to avoid