Credit Cards Credit Card Reviews

Radisson Rewards Visa Card Review

overall rating
3.3

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The Radisson Rewards Visa offers 3 points per dollar spent on purchases at Radisson properties, a one-time offer of 30,000 points by spending $1,000 in the first 90 days, and the ability to earn award nights for high annual spending. The card doesn’t charge an annual fee.

Radisson Rewards™ Visa® Card

overall rating
3.3
Radisson Rewards™ Visa® Card
On U.S. Bank's Secured Site.

Current Offer:

Earn 30,000 bonus points after you spend $1,000 on your card within the first 90 days.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 22.99% variable
Annual Fee $0
Rewards Earning Rate 3 points per $1 at participating Radisson Family of Hotels worldwide, 1 point per $1 everywhere else.
Balance Transfer Fee Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Foreign transaction fee (%) 3%
how this card stacks up
When compared among all rewards cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best

Full Review of Radisson Rewards Visa Card

Pros
  • Award nights boost the card’s value

  • One-time offer for modest spending

Cons
  • Points are worth only about a half-cent each

Pros Explained

  • Award Nights Boost the Card’s Value: The annual awards nights available with the Radisson Rewards Visa allows cardholders prepared to spend fairly heavily on the card to enjoy a significant boost in the value of their earnings. You earn an electronic certificate (an “e-cert” in Radisson lingo) for every $10,000 you spend on your card, and you can redeem it (subject to availability) at U.S. locations of chains including the luxe Radisson Blu. Assuming the easily available rooms are worth between $100 and $150 per night, each certificate you earn essentially adds a cent to a cent-and-a-half in reward value to every dollar you spend. (The math: $100 in room value divided by $10,000 in spending yields an additional 1 cent in value, $150 divided by $10,000 in spending yields an additional 1.5 cents.)
  • One-Time Offer for Modest Spending: You can earn a one-time offer of 30,000 points by spending $1,000 in purchases within the first 90 days. That’s a low spending requirement compared with the many cards that may require $3,000 or $4,000 to earn their one-time offer. That said, the value of the bonus—less than $150, by our calculations—is also lower than most of the cards with higher spending requirements for the one-time offer.

Cons Explained

  • Points Are Worth Only About Half a Cent Each: Radisson Rewards points are worth less than many other loyalty currencies, according to Investopedia’s valuation. At a value of 0.45 cents each, even purchases from the Radisson Family of Hotels, which earn three points per dollar spent, would yield a total value of only 1.35 cents of value per dollar. All other purchases, which earn a single point per dollar, would yield a miniscule 0.45 cents of value per dollar spent. 

This Card is Best For

  • Avatar for Annual Fee Averse Persona
    Resists or refuses an annual fee on principle or due to cost
    Annual Fee Averse
  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist
  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker

The Radisson Rewards Visa card is best suited to those loyal to Radisson hotels—so much so that they’re prepared to spend fairly heavily on the card, including on non-Radisson purchases as needed. That’s because the card is most lucrative if you spend the average of $850 a month or so that’s required to earn an award night at a Radisson property every year. (You can also spend $1,700 or so a month for a year to earn two nights, or $2,500 a month to earn three.) That spending essentially vaults the value of the card’s rewards from weak to decent or better. This card could also be helpful to those who need a few key travel benefits that not all no-annual-fee cards provide: insurance coverage for rental cards and travel assistance. However, the Radisson Rewards Visa is less than ideal as an international travel companion. It charges foreign-transaction fees, which can be easily avoided with many other cards, including some that charge no annual fee. Also, its certificates for award nights stays are valid only at Radisson properties in the U.S.

Radisson Rewards Visa Card One-Time Offer

You can earn a one-time offer of 30,000 bonus points, worth $135 according to our valuation of 0.45 cents per point, for spending $1,000 in purchases in the first 90 days of opening your account. This bonus falls behind those of other credit cards that offer $200 for spending only $500 within the first three months, but not by much. Once you qualify for the bonus, it takes 6 to 8 weeks for the points to appear in your Radisson Rewards account.

Rewards Earning Details

The Radisson Rewards Visa earns 3 points per dollar spent on participating Radisson Family of Hotels purchases worldwide. We estimate that those rewards represent an estimated value of about 1.35 cents per dollar spent at Radisson properties, and 0.45 cents on all other purchases.

Points expire after 24 months with no activity, but even a single charge to the card qualifies as a use sufficient to preserve your rewards balance. Also, if you cancel the card for at least six months, you may not be able to keep the points in the account.

The card’s award night certificates provide an additional rewards opportunity for those prepared to charge five figures a year to the Radisson Rewards Visa. Spending $10,000 entitles you to one certificate at the end of your anniversary year, provided you keep the card, and an additional $10,000 and $20,000 in spending earns you a second and third certificate, respectively. 

Certificates can be redeemed for a standard room with double occupancy at Radisson Blu, Radisson, Radisson RED, Park Plaza, Park Inn by Radisson, or Country Inn & Suites by Radisson hotels located in the United States.

Rewards Redemption Details

You can redeem your Radisson Rewards points for award nights, of course. You can also donate points to certain causes or use them to purchase gift cards, prepaid cards, TSA PreCheck and Priority Pass membership, as well as for instant in-hotel awards at Radisson properties, such as payment for movies, dinner, laundry, and more. Most of these options can be completed online using your Radisson Rewards account.

Your best option is usually redeeming your points for award nights, which you can do online when you’re logged into your Radisson Rewards account. We estimate points used for these redemptions are worth an average of 0.45 cents each.There are seven categories of hotels. The points requirements range from 9,000 to 70,000 points per night for a standard room, or 13,500 to 105,000 points per night for premium rooms. You can also combine points and cash to pay for rooms.

When using points for award nights, there aren’t blackout dates, technically speaking. However, redemptions are subject to availability. 

Transferring Points

Radisson Rewards points can be transferred to airline frequent-flyer programs, including those of United, Delta, and British Airways. But as with many such programs, the typical redemption rate is fairly dismal: every 10 Radisson points you transfer earn you only a single airline mile. Below are specific transfer examples, illustrating that there are no redemption bonuses regardless of points transferred:

  • 2,000 Radisson Rewards points for 200 airline miles
  • 50,000 Radisson Rewards points for 5,000 airline miles
  • 100,000 Radisson Rewards points for 10,000 airline miles

You can also choose to earn rewards in your Radisson rewards account in air miles or points, rather than as points. But the transfer ratio is the same meager 10 Radisson points to 1 airline mile (with the exception of one partner, SAS, for which 7 Radisson points are required to earn a single SAS EuroBonus point).

When you choose the airline miles option, points will be automatically transferred to an airline program once you reach 10,000 Radisson Rewards points. 

Miles may take 4 to 6 weeks to post to your account. Once points are transferred to an airline, they cannot be transferred back to Radisson Rewards. Participating airlines include:

  • Aeroflot
  • Aeromexico
  • Aeroplan
  • AirAstana
  • AirBaltic
  • Asiana Airlines
  • Avianca
  • British Airways
  • Cathay Pacific
  • Czech Airlines
  • Delta Airlines
  • Emirates Skywards
  • Ethiopian Airlines
  • Etihad
  • Finnair
  • Frontier
  • Gulf Air
  • Hainan Airlines
  • InterMiles
  • Japan Airlines
  • KLM Air France
  • Kuwait Airlines
  • LATAM
  • Malaysia Airlines
  • Oman Air
  • Pegasus Airline
  • Philippine Airlines
  • Qantas
  • Qatar Airways
  • SAS
  • Saudi Arabian Airlines
  • Singapore
  • South African Airways
  • Southwest Airlines
  • Turkish Airways
  • United Airlines

How to Maximize Your Rewards

Getting the most value from the Radisson Rewards Visa begins with the relatively manageable task of spending $1,000 with the card within your first three months of account opening. That will allow you to earn the 30,000-point one-time offer. After that, spend at least $850 or so a month on the card to enjoy its best rewards—indeed, the card’s earnings are subpar if you don’t do so. That spending level will allow you to earn a night at the end of the year, an extra that should add at least a cent in value to each dollar you spend to reach that level. 

Finally, while our estimated value per point is low, even when rewards are redeemed for Radisson stays, you may find better values if you shop around, especially if you’re flexible about where and when you stay. Hotel nightly cash rates can vary depending on property and date.As examples, take two locations of the Country Inn & Suites by Radisson for which we checked the price for a standard room for mid-April 2020. The one at Atlanta Airport North in Georgia was priced at $125.75 per night, including taxes and fees, or it could be booked with 28,000 Radisson Rewards points. That redemption would result in a value of about 0.45 cents per point—which is precisely the average value we calculate.

However, the Country Inn & Suites by Radisson in Tulsa, Oklahoma could be booked for the night for $81.73, again including taxes and fees, or a mere 9,000 points. This time, the redemption would be worth about 0.9 cents per point, or twice our average value.

Since the awards night certificates you can earn with this card apply to a swath of different Radisson chains, from basic (like the Country Inn & Suites) to luxury (like Radisson Blu), check availability at all Radisson properties where you are hoping to stay. Pick a fancier chain if it’s available. But act as early as you can to grab one of those rooms, since award nights stays on any one date are limited.

Radisson Rewards Visa Card’s Outstanding Benefits

  • Earn up to 3 award-night certificates annually, at a rate of one certificate per $10,000 in spending on the card within 12 months

Standard Benefits

  • Auto-rental collision damage waiver
  • Travel and emergency assistance services
  • Warranty manager

Cardholder Experience

U.S. Bank, the issuer of the Radisson Rewards Visa card, received a score of 785 on J.D. Power’s 2019 U.S. Credit Card Satisfaction Study. This score places the bank low in the rankings—and 21 points below the national issuer average of 806. If you have questions about your account, you can reach cardmember service 24 hours per day at 800-236-4012.

Security Features

The security features for this card are standard for the industry.

Fees to Watch Out For

While this card doesn’t charge an annual fee, it does charge foreign transaction fees of 2% or 3% of your transaction, depending on whether your charge is in U.S. Dollars or a foreign currency, respectively.

Our Verdict

Since it lacks an annual fee, the Radisson Rewards Visa may be worth considering even by those who only stay occasionally at one of the chain’s many hotel brands. Even if you use the card little, the one-time offer of 30,000 points could earn you up to three or so nights of lodging. After that, however, using the card is a good bet only if you’re prepared to purchase enough every year to reach the multiples of $10,000 in spending that will earn you award nights on your card anniversary. Otherwise, even Radisson spending could be more lucrative with another card. For example, a basic credit card that delivers 1.5% in cash back on every purchase would earn you a little more than the Radisson Rewards Visa on Radisson spending, and about three times as much on all other purchases.You might also consider the Radisson Rewards Premier Visa Signature. Its $75 annual fee is more than offset by its far better rewards rate and an anniversary points bonus that alone delivers value of more than twice the annual fee, when points are redeemed for Radisson stays.

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For Radisson Rewards™ Visa® Card
on U.S. Bank's Secured Site.
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CURRENT CARD
Radisson Rewards™ Visa® Card
overall rating
3.3
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 22.99% variable
Annual Fee $0
Rewards Earning Rate 3 points per $1 at participating Radisson Family of Hotels worldwide, 1 point per $1 everywhere else.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.