Club Carlson Visa - Card Comparison

Club Carlson Premier Rewards Visa Signature Card

Club Carlson Rewards Visa Signature Card

Club Carlson^SM Visa Card Benefts	Club Carlson Premier Rewards Visa Signature Card	Club Carlson Rewards Visa Signature Benefits	Club Carlson Business Rewards Visa Card
Club Carlson Visa Benefits
Gold Points on $1 Carlson Rezidor net purchases¹	10	6	10
Gold Points on $1 All Other net purchases¹	5	3	5
First Purchase Bonus Points²	50,000	50,000	50,000
Spend Bonus Points²	35,000 with $2,500 net purchases in first 90 days	10,000 with $1,500 net purchases in first 90 days	35,000 with $2,500 net purchases in first 90 days
Renewal Bonus Points³	40,000	25,000	40,000
Bonus Award Night Eligible	Yes	Yes	Yes
Elite Status⁴	Complimentary Gold	Complimentary Silver	Complimentary Gold
Elite Night Credit if already Elite Status⁵	15 Nights	10 Nights	15 Nights
Visa Benefits
No Pre-set Spending Limit⁶	Yes	Yes
Auto Rental Collision Damage Waiver⁷	Yes	Yes	Yes
Emergency Card Replacement and Emergency Cash Disbursement⁷	Yes	Yes
Lost Luggage Reimbursement⁷	Yes	Yes
Lost/Stolen Card Reporting⁷	Yes	Yes
Purchase Security⁷	Yes	Yes
Purchase Security and Extended Protection⁷			Yes
Roadside Dispatch⁷	Yes	Yes	Yes
Travel Accident Insurance	$1,000,000	$1,000,000	$1,000,000
Travel and Emergency Assistance Services⁷	Yes	Yes	Yes
Visa Signature Concierge⁸	Yes	Yes
Visa Signature Perks⁹ Includes Travel, Entertainment, Fine Wine & Food, Sports and Shopping	Yes	Yes
Warranty Manager Service⁷	Yes	Yes
Other
Zero Fraud Liability Protection¹⁰	Yes	Yes	Yes
Annual Fee	$75	$50	$60

Learn more about the Club Carlson Rewards Visa card with No Annual Fee.¹¹

Note: If you do not qualify for the Club Carlson Premier Rewards Visa Signature Card or the Club Carlson Rewards Visa Signature Card, you will automatically be considered for the Club Carlson Platinum Rewards Credit Card.

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Club Carlson Premier Rewards Visa Signature Card
Club Carlson Rewards Visa Signature Card
Club Carlson Business Rewards Visa Card
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Carlson Rezidor Hotel Group

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We may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of this Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Subject to credit approval.

Rules for the Club Carlson Visa Program & Benefits ("Card Benefit Program")

By using your Club Carlson Visa credit card account ("Account"), you acknowledge and agree to be bound by these Card Benefit Program rules as published in the Benefit Guide. These Card Benefit Program rules are in addition and subject to additional terms and restrictions as set forth in the Cardmember Agreement ("Agreement") and the Club Carlson Program Terms and Conditions. The creditor and issuer of this Card is U.S. Bank National Association ("U.S. Bank," "we," "us," and "our"), pursuant to a license from Visa U.S.A. Inc.

Club Carlson Program: The primary Cardmember (for Business Reward Accounts, the Cardmember who executed the application for credit) must be a Club Carlson member and the Cardmember's name must match the name on the Club Carlson account. A primary Cardmember (for Business Reward Accounts, the Cardmember who executed the application for credit) who is not an existing Club Carlson member at the time of Account application will be enrolled in the Club Carlson program as part of the Account application. Gold Points from separately enrolled Accounts may not be combined into one Club Carlson account.

For Business Reward Accounts, Gold Points may be earned by both the business owner (who executed the application for credit) and employees and will be pooled to one Gold Points balance at the Business level. The business owner will have the sole authority to redeem the pooled Gold Points. Except with respect to Gold Points earned on Accounts issued to one or more employees that are pooled to the Business level, Gold Points from separately enrolled Accounts may not be combined onto one Club Carlson account. All Card benefits are available solely for the business owner.

Club Carlson participation, including the earning and redeeming of Gold Points and all other membership benefits and features are subject to the Club Carlson Terms and Conditions and privacy policy available at clubcarlson.com/termsandconditions. Specific benefits and services offered at individual hotels may vary, may not be available at all hotels and are subject to change. Free award nights (with no blackout dates) are for standard rooms only, are subject to availability, and the number of Gold Points required vary based on the applicable hotel category for hotel requested.

If there is any abuse of the Card Benefit Program, failure to follow the Card Benefit Program rules, or any misrepresentation by you, all Gold Point balances, including any Gold Points not yet transferred to Club Carlson, may be forfeited without liability to you, no additional Gold Points shall accumulate, and any other Card Benefit Program benefits may be immediately discontinued. We reserve the right to approve, deny or revoke participation in the Card Benefit Program to any individual for any reason whatsoever.

¹ Earning Gold Points: For Club Carlson Premier Rewards Visa Signature or Business Rewards Visa Card (“Card”) you will earn 10 Gold Points (6 Gold Points for Rewards Visa Signature and Platinum Rewards) for each dollar ($1 USD) of Net Purchases on your Account at any participating hotels where ““Radisson Blu”, “Radisson”, “Park Plaza”, “Park Inn by Radisson”, “Park Inn”, or “Country Inns & Suites By Carlson” appears as part of the merchant identified on your monthly statement. You will receive 5 Gold Points (3 Gold Points for Rewards Visa Signature and Platinum Rewards) for each dollar ($1 USD) of Net Purchases on your Account elsewhere. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify for earning Gold Points. "Net Purchases" means purchases of goods and services made by you or any authorized user on your Account minus any returns or refunds. We will not award Gold Points for Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, and fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items, or if your Account is in Default, past due or closed. Gold Points earned on Net Purchases are transferred to your Club Carlson account within 6 to 8 weeks after they appear on your billing statement.

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² New Account Bonus: You will earn the one-time First Purchase Bonus of 50,000 Gold Points, when you first make a purchase with your card within 90 days after your Account was opened. You may earn an additional one-time Spend Bonus of 35,000 Gold Points (Premier Rewards Visa Signature and Business Rewards) or 10,000 Gold Points (Rewards Visa Signature and Platinum Rewards) if you spend at least $2,500 in Net Purchases (Premier Rewards Visa Signature and Business Rewards) or $1,500 in Net Purchases (Rewards Visa Signature and Platinum Rewards) on your Card within 90 days after your Account was opened. "Net Purchases" means purchases of goods and services made by you or any authorized user on your Account minus any returns or refunds. Once you qualify for either the First Purchase Bonus or the Spend Bonus (collectively referred to as a “New Account Bonus”), please allow 6 to 8 weeks for the Gold Points to appear in your Club Carlson account. Neither New Account Bonus is available to applicants who have had this Card or another Club Carlson credit card product within the last 12 months. If your Account is not open for at least 6 months, Club Carlson and U.S. Bank reserve the right to deduct the New Account Bonus Gold Points from your Club Carlson account.

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³ Annual Renewal Bonus: Each year that you renew your Account by making at least the minimum payment by the due date printed on the Account statement in which the annual fee is billed, you will receive a Renewal Bonus of 40,000 Gold Points (25,000 Gold Points for Platinum Rewards). Please allow 6 to 8 after the payment due date weeks for your Renewal Bonus to appear in your Club Carlson account.

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⁴ Complimentary Elite Status: After opening your Account and making your first purchase with the Card, you will qualify for Gold Elite status (Premier Rewards Visa Signature and Business Rewards) or Silver Elite Status (Rewards Visa Signature and Platinum Rewards) in the Club Carlson Program. Please allow 6 to 8 weeks after the date of the first purchase to receive your Gold or Silver Elite Club Carlson membership card and information. You will continue to maintain Gold or Silver Elite status so long as your Account remains open and in good standing. Complimentary Gold or Silver Elite status earned through the Card Benefit Program does not waive the full number of stays or nights required for Concierge (Premier Rewards Visa Signature and Business Rewards) or Gold (Rewards Visa Signature and Platinum Rewards) Elite status and you must earn Concierge or Gold Elite status in accordance with the Club Carlson Program Terms and Conditions to be eligible for higher elite status.

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⁵ Elite Night Credit: If you are already a Gold or Concierge Elite member (Silver, Gold or Concierge for Signature and Platinum Rewards) in the Club Carlson program at the time that you applied for your Account, you are eligible to earn a one-time credit of 15 nights (10 nights for Rewards Visa Signature and Platinum Rewards) toward obtaining or maintaining Concierge Elite status (Gold or Concierge for Signature and Platinum Rewards) after opening your Account and your first Net Purchase on the Card (“Elite Night Credit”). Elite Night Credits are eligible for Elite Roll Over Nights the first year following the date of issuance, but will not carry-over thereafter. Please allow 6 to 8 weeks after the date of the first Net Purchase to receive your Elite Night Credit. The Elite Night Credit is not available to applicants who have had this Card or another Club Carlson credit card product within the last 12 months.

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⁶ Signature Premier Rewards and Signature Rewards only: No pre-set spending limit does not mean unlimited spending. Authorizations are provided using information such as account history, credit record, income verification and liquid assets. If card issuer authorizes a transaction that causes you to exceed your revolving credit line, then you must pay, as a part of your monthly minimum amount due, the amount by which your new balance exceeds your credit line.

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⁷ Certain terms, conditions and exclusions apply. Refer to your Visa Guide to Benefits for details.

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⁸ Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers' behalf.

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⁹ Certain limitations and restrictions may apply. Please refer to visa.com/signature for program details.

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¹⁰ U.S. Bank provides zero fraud liability for unauthorized transactions. Cardmember must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

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¹¹ The APR may vary and as of 12-1-2012, the variable APR for Purchases and Balance Transfers is 22.99%. The variable APR for Cash Advances is 24.99%. Cash Advance fee: 4% of each advance amount, $5.00 minimum. Convenience Check fee: 3% of each check amount, $5.00 minimum, Cash Equivalent fee: 4% of each cash amount, $10.00 minimum. Balance Transfer fee: 3% of each transfer amount, $5.00 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.

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U.S. Bank and Club Carlson reserve the right to change, modify, restrict, waive, cancel and/or terminate the Card Benefit Program, including the Card Benefit Program rules, or any features, benefits or aspects of the Card Benefit Program at any time without prior notice.

The following are trademarks of Carlson Hotels, Inc. or its affiliates or subsidiaries: Club Carlson^SM, Gold Points^®, Radisson^®, Radisson Blu^®, Park Plaza^®, Park Inn^®, and Country Inns & Suites By Carlson^SM