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When you have a Westgate Resorts timeshare otherwise you go to one of many lodge chain’s resorts steadily, the World of Westgate Mastercard can assist you earn further rewards in your subsequent trip with little or no effort.
This $0-annual-fee card earns a stable 3% again on Westgate purchases, even together with your timeshare mortgage. However since this card doesn’t provide elevated rewards on some other purchases and you’ll solely redeem your rewards at Westgate, most individuals — even some timeshare homeowners — will doubtless fare higher with a basic journey bank card.
However if you happen to’re a Westgate loyalist who needs a easy method to earn rewards in your trip, the cardboard’s simple rewards and handy redemption could be a great choice for you.
Right here’s what it’s good to know in regards to the World of Westgate Mastercard.
1. You’ll apply and handle your card by means of an app known as Imprint
You possibly can be taught extra in regards to the World of Westgate Mastercard on Westgate’s web site, however you possibly can’t apply there. As an alternative, you’ll discover a QR code to scan and a web site you possibly can go to in your cellphone. Each choices will direct you to your cellphone’s app retailer to obtain an app known as Imprint. As soon as it’s downloaded, Imprint will information you thru the appliance course of.
After approval, you can be issued a digital card that you need to use immediately, both by means of the app or by including it to a digital pockets like Apple Pay or Google Pay.
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The corporate beforehand provided a unique bank card, Westgate Rewards Mastercard, which was issued by Comenity Financial institution however discontinued in 2021.
2. You’ll earn a small sign-up bonus
When you’re accepted and make three purchases within the first 180 days, you’ll obtain 50,000 factors, which might be redeemed for $50 again on future purchases at Westgate. That is considerably decrease than sign-up bonuses on different no-annual-fee playing cards, nevertheless it’s uncommon for a bank card to supply a bonus with out requiring you to spend a particular sum of money first.
Related lodge playing cards would possibly require you to spend wherever from $1,000 to $2,000 earlier than you will get a bonus. With the World of Westgate Mastercard, any three purchases — regardless of how small — will qualify you for the bonus.
3. Earnings are underwhelming
Purchases with Westgate earn 3% again — together with on-property purchases and timeshare mortgage funds. The flexibility to pay your timeshare mortgage on a bank card is exclusive.
Regardless that it is a stable price, the World of Westgate Mastercard doesn’t make a great standalone card since you gained’t earn elevated rewards on any buy exterior the lodge chain. All different purchases earn 1% again.
In the event you desire to maintain just one card in your pockets, the Wells Fargo Lively Money® Card could possibly be a great various. Cardholders earn 2% again on each buy. Positive, you’d earn barely much less on Westgate purchases, however the larger price on purchases exterior of the lodge will simply make up the distinction.
Westgate loyalists may additionally carry each bank cards and use the World of Westgate Mastercard with the lodge model and the Wells Fargo Lively Money® Card on the whole lot else.
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You will earn rewards within the type of factors, and 10 factors are value 1 cent. So for each greenback you spend at Westgate, you may earn 30 factors, which equals 3 cents.
4. You possibly can solely redeem rewards at Westgate
The rewards you earn on the World of Westgate Mastercard can solely be redeemed for Westgate purchases. However you don’t must redeem your rewards for reservations. You may as well redeem for timeshare mortgages, eating places on website and on-property actions.
Since you possibly can redeem your rewards on many Westgate purchases, it most likely gained’t be too arduous for timeshare holders and frequent Westgate guests to redeem rewards. However different playing cards will give you extra flexibility. With the Wells Fargo Lively Money® Card, rewards are rather more versatile. You possibly can redeem your rewards for a press release credit score, a mailed examine, direct deposit right into a Wells Fargo checking or financial savings account or a withdrawal at a Wells Fargo ATM (in increments of $20).
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Westgate does have loyalty standing ranges, however larger tiers are reserved for timeshare homeowners. Anybody can be part of the Member Tier, which supplies you as much as 10% off direct bookings, complimentary Wi-Fi and reductions on sure charges.
5. The cardboard doesn’t include many perks
Many lodge playing cards — even some with no annual charge — include worthwhile extras like elite standing, free nights and annual spending bonuses. The World of Westgate Mastercard is lacking all of those perks. In the event you’re already a timeshare proprietor or in any other case loyal to the lodge model, this isn’t essentially a dealbreaker. However if you happen to’re not keen on Westgate, you’ll most likely get extra worth out of a unique lodge card.
As an illustration, the Wyndham Rewards® Earner℠ Credit score Card additionally has no annual charge, however you’ll earn a 7,500 level bonus every anniversary after you spend $15,000 on the cardboard. You’ll additionally get computerized Gold standing, which supplies you late checkout, free Wi-Fi and most popular room selection when out there. Plus, you gained’t solely earn rewards on Wyndham purchases. The cardboard additionally earns elevated rewards on gasoline, eating and grocery shops.
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