Reviews Drury Gold Key Club credit card from Commerce Bank review

Drury Gold Key Club credit card from Commerce Bank review

Published: April 25, 2017
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Ratings Policy
Hotel Rating:
1.9 rating
1.9 rating
1.9 / 5
Rewards Value: 0.3
Annual Percentage Rate: 4.7
Rewards Flexibility: 3.6
Hotel Options: 1.0
Features: 4.0

In a nutshell:

The Drury Gold Key Club credit card is a decent no-annual-fee card with some good perks, but – aside from California and Florida – its appeal is limited to people traveling to the Midwest and Southern states, where Drury Hotels are located.

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Rewards Rate

  • 5:1 Drury Hotel stays
  • 1:1 general purchases

Sign-up Bonus
15,000 points after first purchase in 90 days

Annual Bonus
None

Annual Fee
$0

Average Yearly Rewards Value ($1,325 monthly spend)
$222

APR
16.74%

Rewards Redemption
Pros

  • Points don’t expire as long as card is used every 18 months
  • No blackout dates
  • Free cancellation of rewards reservations
  • VIP benefits are available on an award stay

Cons

  • Limited number of properties
  • Poor values for redemptions other than rewards stays

Hotel Options

  • Properties: 120
  • Countries served: 1

Other Notable Features: Best room available upon check-in; early check-in and late check-out; complimentary room upgrades; MasterCard World Elite benefits; concierge service; lost luggage insurance; travel assistance; car rental insurance; VIP events and experiences; discounts on hotels, car rentals, vacation packages and cruises

No Annual Fee Rating:
2.6 rating
2.6 rating
2.6 / 5
Rewards Value: 1.6
Annual Percentage Rate: 3.2
Rewards Flexibility: 3.7
Features: 2.0

In a nutshell:

For a hotel card with no annual fee, the Drury Gold Key Club card offers a good sign-up bonus and some nice hotel perks, but its hotel network is too limited to appeal to cardholders outside of frequent guests of Drury hotels.

Learn more about this card

Rewards Rate

  • 5:1 Drury Hotel stays
  • 1:1 general purchases

Sign-up Bonus
15,000 points after first purchase in 90 days

Annual Fee
$0

Average Yearly Rewards Value ($1,325 monthly spend)
$222

APR
16.74%

Rewards Redemption
Pros

  • Points don’t expire as long as card is used every 18 months
  • No blackout dates
  • Free cancellation of rewards reservations
  • VIP benefits are available on an award stay

Cons

  • Limited number of properties
  • Poor values for redemptions other than rewards stays

Other Notable Features: Best room available upon check-in; early check-in and late check-out; complimentary room upgrades; MasterCard World Elite benefits; concierge service; lost luggage insurance; travel assistance; car rental insurance; VIP events and experiences; discounts on hotels, car rentals, vacation packages and cruises

Rewards Rating:
2.4 rating
2.4 rating
2.4 / 5
Rewards Value: 1.3
Annual Percentage Rate: 3.5
Rewards Flexibility: 3.7
Features: 2.0

In a nutshell:

The Drury Gold Key Club card offers frequent Drury guests a generous point bonus on hotel stays, a decent APR and a good sign-up bonus in the card’s first year, but you may not get much use out of the card if you don’t travel relatively frequently.

Learn more about this card

Rewards Rate

  • 5:1 Drury Hotel stays
  • 1:1 general purchases

Sign-up Bonus
15,000 points after first purchase in 90 days

Annual Fee
$0

Average Yearly Rewards Value ($1,325 monthly spend)
$222

APR
16.74%

Rewards Redemption
Pros

  • Points don’t expire as long as card is used every 18 months
  • No blackout dates
  • Free cancellation of rewards reservations
  • VIP benefits are available on an award stay

Cons

  • Limited number of properties
  • Poor values for redemptions other than rewards stays

Other Notable Features: Best room available upon check-in; early check-in and late check-out; complimentary room upgrades; MasterCard World Elite benefits; concierge service; lost luggage insurance; travel assistance; car rental insurance; VIP events and experiences; discounts on hotels, car rentals, vacation packages and cruises

Travel Rating:
2.6 rating
2.6 rating
2.6 / 5
Rewards Value: 1.4
Annual Percentage Rate: 3.5
Rewards Flexibility: 3.7
Features: 3.0

In a nutshell:

Though the Drury Gold Key Club Credit Card has value for frequent guests of Drury Hotels, general travelers will find that the rewards value on the card is too low and the hotel network is too limited.

Learn more about this card

Rewards Rate

  • 5:1 Drury Hotel stays
  • 1:1 general purchases

Sign-up Bonus
15,000 points after first purchase in 90 days

Annual Fee
$0

Average Yearly Rewards Value ($1,325 monthly spend)
$222

APR
16.74%

Rewards Redemption
Pros

  • Points don’t expire as long as card is used every 18 months
  • No blackout dates
  • Free cancellation of rewards reservations
  • VIP benefits are available on an award stay

Cons

  • Limited number of properties
  • Poor values for redemptions other than rewards stays

Other Notable Features: Best room available upon check-in; early check-in and late check-out; complimentary room upgrades; MasterCard World Elite benefits; concierge service; lost luggage insurance; travel assistance; car rental insurance; VIP events and experiences; discounts on hotels, car rentals, vacation packages and cruises

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If you stay at Drury frequently or are considering using it in the future for your travels, you can get benefits that are pretty nice for no fee. The card includes a sign-up bonus with no spending requirement, and that covers a free stay for up to two nights. The card also gives you additional VIP perks, such as complimentary room upgrades, early check-in, late check-out and more.

15,000-point sign-up bonus
You receive 15,000 bonus points simply for signing up and making a purchase with the card within the first 90 days. It’s not a spectacular bonus, but you can get up to two free hotel nights out of it. Since the card carries no annual fee, there’s not much risk in signing up for a complimentary hotel stay.

Low earning scheme
You get five points per dollar on your stay at Drury properties – 15 points total once you factor in Gold Key Club base points – and 1 mile per dollar for spending on everything else. That’s not a bad rate if you often stay at Drury Hotels, although the low rewards rate on miscellaneous expenses is disappointing. If you are not a frequent guest of Drury Hotels, you will have a difficult time building up significant rewards points, and will probably be better served by a general rewards card, or even another hotel card. Some hotel credit cards offer a high return on general spending, as well as good options for transferring points for airline miles.

Limited redemption options
The redemption options with this card are very limited. While the card does include options for gift cards and cruises, you have a limited selection from which to choose. You can also exchange your points for miles on American Airlines and United Airlines, but the exchange rate is low. You are mostly limited to redeeming your points for stays at Drury Hotels within a limited geographic range of 21 states. If you plan to travel elsewhere or wish to use another hotel chain, you will have a hard time redeeming points.

On the plus side, redemption starts at just 7,500 points per night. But most hotels, especially in more popular locations, are priced at 15,000-50,000 points.

A better–than-average hotel with good VIP benefits
Drury Hotels is a pet-friendly, limited-service hotel chain that offers a lot of perks to all guests, such as free hot breakfast, free soft drinks, free late afternoon snacks and beverages, and free Internet.

The Drury Gold Key Club credit card entitles you to some great VIP benefits, such as access to the best room available within your booking category, early check-in and late check-out, and free room upgrades.

Reasons to get it:

  • You frequently stay at Drury Hotels.
  • You frequently travel in or to the geographical area served by the chain.

How to use it:

  • Make sure to make a purchase within the first 90 days in order to get the bonus.
  • Use the card for all of Drury purchases, but use other higher-earning rewards cards for all other purchases.
  • Do not use the card abroad if you do not want to incur the 3 percent foreign-transaction fee.

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