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Westgate Rewards Mastercard®

Westgate Rewards Mastercard®

Earn 4,000 Bonus Points For Spending $500

Westgate Rewards Mastercard®
  • Regular Purchase APR 15.74%, 21.74%, 24.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 25.99%
  • Cash Advance APR 25.99%
  • Annual Fee None
  • Credit Needed Fair
  • Processing Network Mastercard
Best Benefits
  • 2X points on all Westgate purchases
  • 2X points on gas and groceries
  • 1X points for everything else
  • No annual fee
  • Preferred check-in for hotel stay
Rates & Fees
  • Regular Purchase APR: 15.74%, 21.74%, 24.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 25.99%
  • Balance Transfer Transaction Fee: $10 or 4% of the amount of the balance transfer, whichever is greater
  • Cash Advance APR: 25.99%
  • Cash Advance Transaction Fee: $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38

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At a Glance

The Westgate Rewards Mastercard® earns 2X points on Westgate purchases, grocery, and gas towards $25 discounts for Westgate Resort goers and timeshare owners for rewards that can be used for onsite products and services at all Westgate locations. The card has no annual fee and a modest signup bonus of 4,000 points (valued at $40) after spending $500 outside of Westgate-related purchases within the first 60 days of opening the account.

Ideal for Those Who:

  • Vacation at Westgate Resorts at least every 18 months 
  • Are a current or prospective Westgate timeshare owner
  • Will spend $500 within the first 60 days 
  • Do not travel often, but do so within the continental U.S.

Westgate Rewards Mastercard® Review

The Westgate Rewards Mastercard gives travelers and vacationers the opportunity to earn points through the purchase of Westgate Resort products and services, gas, and groceries towards discounted hotel stay or timeshare payments. Despite the inclusion of popular reward categories, the limitations on rewards redemption might prove difficult for even the most frequent of Westgate Resort customers to fully reap the card’s benefits. The Westgate Reward Mastercard has no annual fee and is offered by Comenity Bank.

Hotel cards typically offer a number of cardholder benefits as an even greater incentive to stay at their lodgings such as upgraded rooms, complimentary breakfast, or free WiFi. Unfortunately, this is not the case with the Westgate Reward Mastercard® which is extremely lacking in booking benefits. Beyond preferred check-in, the Westgate Rewards Mastercard has no other on-site perks to speak of and also lacks an anniversary bonus or as well as any opportunity to earn free lodging.

Earning Westgate Points

There is a modest signup bonus of 4,000 points for spending $500 outside of Westgate within the first 60 days. Each point has a value of $0.01 each, meaning Westgate Resort credit cardholders will only receive $40 for spending $500 – an offer that is easily overshadowed by other hotel credit card signup offers. In terms of everyday earning potential, the card earns:

  • 2X points for Westgate purchases (includes property maintenance, tax payments, timeshare down payment, booking a reservation, dining at Westgate restaurants, shopping at the Westgate online mall, etc.)
  • 2X points at gas stations and grocery stores
  • 1X points on all other purchases

For customers that only use this card in the qualifying 2X bonus categories, they’ll generate a reward for every $1,250 spent. It’s very unusual that Westgate does not prioritize spending on their product and while this could be seen as a strength that gives this card a versatility most other co-branded card lacks, it offers very little incentive for loyal Westgate patrons to own this card rather than more general travel credit card. 

Redeeming Westgate Rewards

There is only one redemption method for using Westgate credit card points: $25 reward certificates. Certificates cannot be redeemed for a cash value of any more or any less, as such, rewards are automatically generated at the end of every billing period for every 2,500 points that have been accrued. Additionally, there are no limits to how many certificates can be earned in a single billing period – so if a shopping spree puts $10,000 of charges on your Westgate Mastercard, you would be awarded four $25 reward certificates at the end of the billing period. 

Reward certificates can be applied towards several options including booking Westgate hotel stay or timeshare payments but not towards Westgate Travel & Cruise bookings. Below is the complete list of Westgage products where reward certificates can be used:

  • Westgate Vacation Ownership, VAC, PAC, VOA Travel Club Purchases
  • Westgate mortgage payment
  • Westgate HOA fee
  • Developer exchange fee
  • Attraction tickets
  • Marketplaces
  • Room reservations
  • All Westgate Resort restaurants
  • Serenity Spa
  • Vacation Guard

Although rewards cannot be used in conjunction with other discounts or promotions, there is no limit to how many reward certificates you can apply to a single transaction. In order to apply your rewards towards an onsite product or service, simply call 1-800-864-5216 or bring the physical certificates to a Westgate Resort.

Cardholders will need to wary as both unused Points and Reward Certificates expire after 18 months.

Should You Apply for the Westgate Rewards Mastercard®?

Overall, this card is rather underwhelming when compared to other traditional hotel credit cards: earning potential is weak and the single redemption option that is available to cardholders is fairly limited in its use. The biggest disappointment, however, is that there are virtually no cardholder benefits to enhance your on-site Westgate Resort experience or opportunities to earn complimentary hotel stay (if you’d like a deeper dive into the Westgate Rewards Mastercard from Comenity Bank, check out HotelCards.com‘s comprehensive Westgate Card review). However, what his card lacks in hotel rewards it has the potential to make up for through it’s ability to provide bonuses for timeshare ownership.

Both current and prospective Westgate timeshare owners would find this card a convenient way to earn a kickback from paying the fees and maintenance associated with a timeshare. The long-term commitment of a timeshare would ensure that your $25 reward certificates would be used and negates any concerns one might have of sinking their credit card rewards into a format they’re not sure they’ll ever redeem. Plus, things like HOA fees and maintenance wouldn’t be included in most other purchasing categories – making this card a decent alternative for timeshare owners who don’t own a flat rate cash back card.

If you’re not a timeshare owner (and not planning on becoming one any time soon) but enjoy vacationing at Westgate resorts when you have the chance, you should only consider this card if you stay at a Westgate location at least once every 18 months. But unless you exclusively book reservations at these resorts, you’ll likely better off with a general use travel card that allows you to earn rewards at any hotel you stay and offers rewards that have much greater flexibility. Great alternatives to the Westgate Rewards Mastercard would be the the Citi Premier℠ Card or Wells Fargo Propel, both of which offer 3X points for hotel stay with no annual fee.