 Hello everyone, this is Amit Dhan and on this channel you'll find financial travel and more videos if you like what you see Please do the thumbs up and consider subscribing. Thank you Hello everyone, this is Amit Dhan of AmitDhan.com Today I'll have another episode of unboxing and review video and I'll be presenting you the best Western MB&A MasterCard The best Western MB&A MasterCard is a travel reverse MasterCard which gives you best Western points for every dollar you spend As I go through the unboxing, I'll talk about the features and benefits this card offers So here's the package I have received from MB&A and I will start opening up the package and then we'll go from as we Go through the information folder or brochures attached to this card So here I am removing the envelope, the card from the envelope and this is empty now. So just put it in here and Here is the whole package. So I'm going to come back to this later on. Let's see what else we have included in the envelope. So just said this is it for now and the credit card is in here So this is a disclosure statement. So it just tells you your credit limit, interest fee, risk period and minimum payment due foreign currency conversion fee So this card actually charges 2.5% foreign currency conversion fee If you're looking for a no foreign currency conversion fee credit card then on my channel I do have a review of those as well and then this card doesn't have any annual fee, which is a good thing and then It talks about transaction fees and account fees and all sort of fees. So I'll just Set this aside here. There's not much information in there and then here's other important information So this one just talks about the statement period or how the new balance or how the interest rate interest is calculated So There's not much in here. So I'll just set this aside here and then looks like we have a Small brochure and then this one is best Western or yours a credit card program and It has all the terms and conditions okay, so There is a lot of information in here. So I don't need to go through all of this. So I'm just going to quickly show you what it looks like and then I'm going to just, you know, set this aside here and then we have the privacy and personal information protection notice and this one is just a standard notification of the privacy rules and regulations so I'll go through all of these here. So this is just Rules and everything so just set it aside and then Looks like here is what we All go through this one should have lots of information But let's take a look what is this one. So this one is mbna account agreement. So this one is just, you know, another uh agreement brochure which tells you about The ins and outs of the card. So like, you know, for a transaction fee payment and billing account and statement so I'm just going to Go through it very quickly and then I'm not going to read anything from here. So I'll just set this aside Now let's take a look here. Uh, we should have some information in here So it looks like this one has certificate of insurance and some other information So let's take a look here Okay, so this card actually doesn't have that many insurances. It just has, you know, a few basic insurances. So for example, it has rental vehicle Insurance and then it has Here rental vehicle accidental death and dismemberment Benefits and then collision damage over Benefits and then let's take a look here what you have on the side Okay Personal effects benefits and then So it just looks like mainly talks about rental vehicles and there's the extended warranty Which is a very standard with most of the credit cards. You get one additional year After the manufacturers one year. So basically if you're buying anything with your credit card, you get two years of warranty and then It has let's take a look here purchase assurance and extended warranty and then I don't see anything else here Okay, so there's not much in here as well. So I'm just going to Put this one here Set this aside and then let's go to our main Uh Interaction introductory letter So it tells you here that your new credit card is in your hands And it gives you the these benefits and instant access to your appropriate limit to real-time online banking paperless statements. Okay. So here there's not much information and Uh We have our card here, which I'm coming to you shortly. Let's see if there's anything here. Okay So I do have see there's some information here, which will I'll go through So here are just some phone numbers and online banking access url and then Enjoy the convenience of one easy monthly payment Uh Is this account to consolidate bill or pay? So when you get this card, uh, they give you a 10 months of You can access your credit up to your credit limit for 10 months at 2 interest So basically you can pay off other credit cards or other balances or even you can take out cash And for 10 months and you'll be paying only 2 interest on those and I believe they charge you 1 percent One 10 fee. So that's a total of 3 percent So for 3 percent, you can have access to your up to your credit limit For 10 months. So which may Be a good thing if you have uh, some balances on your higher interest credit cards Then you can transfer those to here But I always, uh, you know recommend not to keep any balances on your credit cards So it's always a good idea to pay off everything, especially if you are looking for Uh, looking for rewards and points or you can you are looking to maximize your points Because if you have balances on your credit card, then it's not going to make any sense to earn the points because you're going to Be paying up more in the end Okay, so Here I don't see anything here. So what I'll do I'll uh, show you, uh, I'll go through mb in a website And then I'll show you some of the features and then I'll come back to this card Okay, so here I'm looking at the mb in a, uh Website where they have some more information about this card Unfortunately, they haven't provided any sort of information in the Package. I'm not sure even why usually, uh, they should be providing more information Okay, so basically, uh, this card Uh, gives you free bonus nights, which is, uh, 20,000 best western reward points So when you apply for this card and you get when you Actually get this card and you make your first, uh, Charge or you use it for the first time after that you'll get 20,000 best western reward points, which is, uh Equivalent to one free nights. So that's one of the benefits and they have, uh, and for Any each dollar spent at best western properties, you will be earning five best western points and, uh Actually, you can get, uh, gold status once you use this card But this gold status only for the first year. So let's say you just got this card and if you call best western Then, uh, they will give you, uh, the gold status But this is, uh, just, uh, it will continue for first year and after first year you will be back to your regular status So that's another benefit and the card doesn't have any annual fee, which I mentioned you before Flexible rewards, uh, so redeem best western rewards points for hotel, stay dining, gift, cards and more rental car coverage Okay. So here actually they're giving a, uh Listing of the insurance comes with this, uh, credit card, which I haven't seen in the Information, uh, manual they touch. So here it comes with lost luggage assistance Extended warranty benefits, travel protection, purchase assurance And then what is the earned rate? The earned rate is you earn one best western point for every one dollar spent on eligible purchases And then you earn five best western points for every dollar spent at best western property And 1.9 promotional interest rate on balance transfer for the first 10 months, which I told you before now This card shouldn't be your everyday card The reason being best western points are very, uh, doesn't offer that much value I value them. Uh, I value each best western point point even less than half a cent So based on, you know, how you redeem it when you redeem it or at what type of property redeem it you can get, uh less than half Point, uh, sent to very close to one cent per point, uh, but you know It's very unlikely that you're gonna get a full one cent point even if you get lucky So in general, you're looking at the less than a half cent per, uh, best western point So what it means that each dollar you're going to spending going to be spending on this card is going to our new List than a half cent, which is a very low, uh, value or which is a very low reward value for your dollars So for that reason, I don't recommend this card using this card for, you know, on a daily basis Uh, but I do recommend this card just to, you know, get the points or free night and then just to get the gold status And then That's all they have in here. So let me just take a look if there's anything else I can show you here and Another thing I'd like to mention that when you use the card for the first time to get the Gold status you have to call best western. Uh, it will not given It will not be given to you automatically So you need to call best western and then they will give you the status And then another thing you need to remember that if you already have a best western, uh, Rewards account Then you have to link this, uh, card to your account. So once you receive the card and you activate it then call Best, uh, mbnn customer service, then they will link your card to your mbnn To your, uh, best western rewards account If you do not do that, then what's going to happen is that it's going to create a separate best western account for you And your, you know points bonus points will be deposited into that account. So, you know, uh, you're going to be It's not going to go to your, uh Existing account automatically So if you do not have an account call call, um, uh, mbnn and ask them to link it to your existing best western account And uh, in terms of, uh, everything else, uh, there's not much to talk about on this card The insurance benefits are almost nothing very poor insurance Benefits, but you know, that's expected because this is a, uh, free or no annual if you create card So you can grab this card just to get the free bonus and just to get the gold status if you need that The reason I got this card because, uh, if you have been watching this channel You know that I have a one month trip coming up, uh, in four different countries, Australia, New Zealand, Singapore and Malaysia And I have a best western stay in New Zealand for a few days And I'll I'll be able to use this gold status at the time So it will give me some more benefits. It could be for example, uh upgrade or late check check out or more, uh earning rate So it could it could have some, you know, value to me, uh, if, uh, I have the gold status status For that reason I got this card and I'll be also getting the one free night bonus so Into and everything else. I'm not gonna, you know, keep this card for very long So I'll cancel it at some time. Uh, once I finish the trip or even like, you know, once I'm close to, uh the I'm close to another One year or I'm I pass after let's say seven eight months then I'll, uh cancel this card So for now My reason to get this card was to just get the gold status and the one free night. Okay. So now let's uh look at the MB, uh, best western mbna massacre card So here it is the best western rewards mbna massacre card So it says platinum plus. So this is kind of a lower and uh type of parade card So this is not like, you know, uh, gold or infinite or any high or quality or any higher series of parade card. So this is kind of a basic, uh, massacre card uh, and Let's look at look at here. So this is how it looks like and, uh The card is not not bad looking at all given the fact that this is a no animal fee free crate card So here we go and this is the Best western mbna massacre card So that's all for today. If you like what you see, let's give it a thumbs up and Subscribe on this channel. You'll find the great card reviews and videos about points and rewards and travel videos. So I travel, uh The globe using points and rewards mainly on business class and I document my travel here And I talk about, you know, how you can get an equally as great card viewers and points So subscribe and uh, I'll see you shortly. Thank you for watching