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Drury Gold Key Club® Visa® Card Review

At a Glance
drury gold key club visa card
3.6 / 5
Rating

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Drury Gold Key Club® Visa®

  • Sign-up Bonus: Earn 15,000 bonus points when you open your account and make your first purchase
  • Rewards: Unlimited 15 points per $1 spent at Drury Hotels properties, including base point earnings available to all Gold Key Club members; unlimited 1 point per $1 spent on everything else
  • Loyalty Status: Automatic Gold Key Club Cardholder VIP benefits, including complimentary room upgrades and flexible check-in/check-out
  • Fees: Foreign transaction fee 1% to 2%; balance transfers and cash advances 5% of the transferred or advanced amount ($10 minimum)
  • Annual Fee: $0
  • Credit Needed: Good to excellent

Advertiser Disclosure: This post includes references to offers from our partners. We may receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.

Drury Gold Key Club® Visa® is a hotel rewards credit card issued by Commerce Bank. With no annual fee and a rewards program that favors spending on lodging and amenities at Drury Hotels properties across the United States, it’s geared toward frequent Drury guests (and those who could be convinced to convert to the Drury way). New cardholders are automatically enrolled in Drury’s Gold Key Club loyalty program at no charge.

Drury Gold Key Club Credit Card earns a total of 15 points per $1 spent on all Drury Hotels purchases, including 10 base points available to all Gold Key Club members and 5 bonus points available only to cardholders, and 1 point per $1 spent on everything else. Points can be redeemed for a variety of travel and non-travel items, but indisputably offer the best value when exchanged for free nights at Drury properties.

Drury operates about 140 hotels in 21 states, mostly in the Midwest and South. Its brands include entry-level Pear Tree Inns; mid-level Drury Inns, Drury Suites, and Drury Inns & Suites; and high-end Drury Plaza Hotels. If you’re a regular guest at Drury Hotels properties, or frequently travel to regions where Drury outposts are found, you owe it to yourself to take a closer look at Drury Gold Key Club Credit Card.

Key Features

Sign-up Bonus

When you open your account and make your first purchase, you get 15,000 Gold Key points. That’s good for up to 2 nights at Drury’s entry-level Pear Tree Inns, good for 1 night (with points left over) at mid-level Drury Inn and Drury Suites properties, and almost good for 1 night at high-end Drury Plaza properties.

Earning Rewards

In addition to the 10 base Gold Key Club points per $1 spent that all Drury Gold Key Club members earn on Drury Hotels purchases, Drury Gold Key Club Credit Card cardholders earn unlimited 5 Gold Key Club points per $1 spent on all Drury Hotels purchases, including lodging charges, food, beverages, gift shop purchases, optional amenities, and more. That means every $1 spent with this card at Drury Hotels properties earns 15 Gold Key Club points. All other purchases earn unlimited 1 point per $1 spent.

Redeeming Rewards

Gold Key Club points can be redeemed for free nights at approximately 140 Drury Hotels properties in the United States.

You can redeem for a free night at entry-level Pear Tree Inn properties (where rooms often cost less than $100 per night) with as few as 7,500 points. Free nights at Drury Inns & Suites properties require at least 10,000 points, while free nights at Drury Plaza Hotels (where rooms often go for more than $300 per night) require at least 17,500 points.

Though Gold Key Club points’ values vary considerably based on the underlying dollar cost of the room for which they’re redeemed, they’re typically worth between $0.01 and $0.02 apiece, and sometimes more.

Notably, Drury doesn’t allow partial redemptions – you have to have enough points in your account to cover the entire point cost of a free night, and can’t use cash to make up any potential shortfall of points. However, Drury does allow you to cancel award nights for a full refund up to 12 o’clock noon on the day of your arrival, and does not impose blackout dates on award night reservations.

Aside from free night awards, which offer the best value of any redemption method by far, you can exchange your points for American Airlines AAdvantage or United MileagePlus airline miles at a ratio of 5 points to 1 mile; redeem for general merchandise or gift cards, typically at a value of well under $0.01 per point; and redeem for free cruise travel (starting at 175,000 points and a per-point value well under $0.01).

Automatic VIP Status

When you open your Drury Gold Key Club Credit Card account, you automatically earn Drury Gold Key Club Credit Cardholder VIP status. VIP benefits include the best available room and rate for the date of your booking, complimentary room upgrades where available, flexible check-in and check-out times, and access to members-only offers and discounts (subject to availability).

FICO Score Access

Commerce Bank sends you a free FICO score with each monthly statement, allowing you to keep tabs on your personal creditworthiness.

Important Fees

This card no annual fee. The foreign transaction fee is 1% for dollar-denominated transactions and 2% for transactions denominated in foreign currencies. Balance transfers and cash advances both cost the greater of $10 or 5%. Late payments cost up to $37.

Credit Required

This card requires good to excellent credit. If you have any noteworthy issues in your credit history, your application may not be approved.

Advantages

  1. No Annual Fee. Drury Gold Key Club Credit Card has no annual fee. That’s great news for frugal cardholders who don’t travel frequently, and who therefore don’t earn rewards rapidly enough to justify a recurring outlay. The lack of an annual fee makes this card appropriate for occasional Drury guests, since there’s no downside to keeping it in your wallet indefinitely.
  2. Sign-up Bonus Has No Spending Threshold. You don’t have to clear a specific spending threshold to earn this card’s 15,000-point sign-up bonus – you just have to open your account and make your first purchase. That’s a big advantage over many competing hotel credit cards, such as Chase Sapphire Preferred Card, which requires up to $4,000 in spending over 3 months.
  3. Points Have Decent Redemption Value. Drury Gold Key Club points are reliably worth more than $0.01 when redeemed for free nights at participating Drury Hotels properties. In some cases, their value approaches $0.02 apiece, and occasionally exceeds that threshold. That’s a better deal than some competing cards tied to other hotel loyalty programs, such as Club Carlson and Choice Privileges.
  4. Flexible Award Night Booking Terms. Drury Gold Key Club’s award nights come with pretty lenient terms, including no blackout dates and the ability to cancel award nights with no penalty or charge until noon on the day of the award stay. That’s great news for cardholders who frequently travel during periods of peak demand or make reservations subject to last-minute changes.
  5. High-Quality Properties. Though small, the Drury Hotels family has a reputation for quality, cleanliness, and overall value. If you don’t have a huge travel budget, but nevertheless value creature comforts such as free hot breakfast and free WiFi, you’ll enjoy your time at Drury. The same can’t be said for the budget-friendly brands operated by some competing hotel groups, such as Choice Hotels, where rooms are basic at best and most amenities are not complimentary.

Disadvantages

  1. No Introductory Promotions. Drury Gold Key Club Credit Card does not offer an introductory 0% purchase APR for new cardholders looking to finance large purchases without incurring interest charges, nor does it offer a balance transfer promotion for cardholders seeking to transfer high-interest balances from already-open credit cards. That’s a drawback relative to Choice Privileges Visa Signature Credit Card, which offers a pretty sweet 15-month 0% APR balance transfer promotion.
  2. Sign-up Bonus Has Mediocre Value. The downside of this card’s sign-up bonus is its relatively low value. It’s worth 15,000 points, which is barely good for 2 free nights at Drury’s lowest-tier properties. If you want to stay at a higher-end Drury Plaza Hotels property, you’ll need at least 2,500 points in addition to your entire sign-up bonus just to afford your first reward night.
  3. Can’t Combine Points and Cash. Drury Hotels doesn’t permit Gold Key Club members to make up point shortfalls with cash when redeeming for free nights. In other words, before you can redeem, you need to have at least enough Gold Key Club points to cover the full cost of the room. Many other hotel loyalty programs do allow partial redemptions, increasing their flexibility for occasional guests, especially at higher-end properties that require more points per night.
  4. Limited Airline Transfer Options. Drury Gold Key Club Credit Card has just 2 airline transfer partners, American Airlines and United Airlines. In both cases, you can exchange 25,000 Gold Key Club points for 5,000 airline miles. That’s a 5-to-1 ratio, which is a far cry from the industry-leading 1-to-1 ratios offered by some competing cards.
  5. Relatively Few Hotel Locations. Drury Hotels has fewer than 150 locations spread across 21 states. That’s far less choice than many other major hotel chains affiliated with rewards credit cards, such as Marriott (more than 4,000 locations worldwide) and Choice Hotels (more than 6,300 locations worldwide). Unless you travel within Drury’s Midwestern and Southern trade area, you’re unlikely to have much use for this card – or the Gold Key Club program.
  6. Has a Penalty APR. This card’s penalty APR, which is more than 10% greater than the regular APR, is unwelcome news for cardholders who occasionally miss payments due to liquidity issues or large, unexpected expenses.

Final Word

Drury Hotels isn’t exactly a small business. With more than 140 locations, 5,000 employees, and millions of dollars in annual revenue, it’s a pretty big deal. However, next to true hospitality behemoths such as Hilton and Marriott, Drury is small potatoes. It’s no accident that the company’s website consistently plays up its down-home roots, family ownership, and dedication to its employees. If you’re committed to supporting independent businesses, but can’t find a true boutique hotel in your next vacation destination, a Drury property might be the next best thing.

Verdict
drury gold key club visa card
3.6 / 5
Rating

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Drury Gold Key Club® Visa®

With a solid hotel rewards program and no annual fee, Drury Gold Key Club® Visa® is ideal for travelers who stay at Drury Hotels infrequently, regularly, or constantly. Its flexible booking terms are great for travelers whose plans are sometimes subject to change as well.

However, due to the smallness of Drury Hotels’ network and poor earning rates on non-Drury purchases, it’s not appropriate as a general-spending credit card. It’s best kept idle in your wallet until you need to make a Drury Hotels reservation.

Drury Gold Key Club Credit Card’s key benefits include its lack of an annual fee, its easily attainable sign-up bonus, the solid redemption values of its points, flexible terms for award nights, and generally high-quality hotel properties.

Its major drawbacks include the lack of introductory APR promotions, a mediocre sign-up bonus (in terms of value), the prohibition on combining points and cash at redemption, poor airline transfer options, relatively few hotel choices, and a penalty APR.

Overall, this is a fine card for regular Drury Hotels guests and people who travel through Drury’s trade area on business or pleasure, but it’s not appropriate as a general-spending card, or even as a primary travel card.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Brian Martucci
Brian Martucci writes about frugal living, entrepreneurship, and innovative ideas. When he’s not interviewing small business owners or investigating time- and money-saving strategies for Money Crashers readers, he’s probably out exploring a new trail or sampling a novel cuisine. Find him on Twitter @Brian_Martucci.

Comments Disclosure: The below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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