Westgate Rewards MasterCard®

Apply Now*

Earn 4,000 BONUS POINTS++ after you spend $500 in the first 2 months of account opening.

PLUS

Receive a $25 REWARD CERTIFICATE+ for Every 2,500 Points Earned

Member EXCLUSIVE BENEFITS:

  • 2 points
    Per $1 Spent on Westgate Purchases
  • 2 points
    Per $1 Spent on all Grocery and Gas Purchases
  • 1 point
    Per $1 Spent Anywhere Else MasterCard is Accepted
PLUS!
  • Exclusive Offers & Bonus Opportunities
  • No Annual Fee**
  • Online Account Management
  • 4,000 Bonus Points++ for New Cardholders
  • $25 Reward Certificate+ for every 2,500 Points Earned
And more! Apply Now* to apply by phone, call 1-855-463-6341
(TDD/TTY 1-800-695-1788)

Westgate Rewards MasterCard®

Apply Now*

Westgate Rewards MasterCard®
Earn Reward Points with Every Purchase!

Apply your Reward Certificates towards Westgate Products & Services:

  • Room Nights
  • Maintenance & Tax Fees
  • Mortgage Payments
  • Serenity Spa by Westgate
  • Westgate Restaurants & Marketplaces
  • Attraction Tickets Desk

As a Cardholder, enjoy the following PERKS:

  • 2 POINTS Per $1 Spent on Westgate Purchases
  • 2 POINTS Per $1 Spent on all Grocery and Gas Purchases
  • 1 POINT Per $1 Spent Anywhere Else MasterCard is Accepted
  • Exclusive Offers & Bonus Opportunities
  • No Annual Fee**
  • Online Account Management
  • 4,000 Bonus Points++ for New Cardholders
  • $25 Reward Certificate+ for every 2,500 Points Earned
  • Preferred Check-In
  • Extended Warranty
  • Identity Theft Resolution Services
  • Price Protection
Apply Now* to apply by phone, call 1-855-463-6341
(TDD/TTY 1-800-695-1788)

Westgate Rewards MasterCard®
Ask us anything!

Q. Can I apply for the Westgate Rewards MasterCard over the phone?

A. Yes, by calling 1-855-463-6341 (TDD/TTY 1-800-695-1788).

Q. Once I am approved for the Westgate Rewards MasterCard, will I be able to use my new credit card number for any additional purchases?

A. Your new Westgate Rewards MasterCard will arrive in the mail within 2 weeks and once received, use it for everyday purchases to maximize point earnings.

Q: What are the hours of operation for the Credit Customer Care Center?

A. The Credit Customer Care Center is here to assist you 24 hours, 7 days a week. Even on Holidays! Call 1-866-886-1013 (TDD/TTY 1-800-695-1788) to speak to a Customer Care Representative.

Q. What information is available on the 24 hour Credit Customer Care Center line?

  • Check account balance and available credit
  • Check last payment amount and date received
  • Check minimum payment due and due date
  • Make a same day payment by telephone or obtain the address to send a payment
  • Change address, add authorized buyer, and update last name
  • Request a credit balance refund
  • Request the last 10 transactions applied to the account
  • Close an account and request a closed account confirmation letter
  • Request a zero balance confirmation
  • Request a credit limit increase

Q. How do I take advantage of the 4,000 point bonus for new accounts?

A. You will receive this point bonus once all of the below criteria are met:

  • Make purchases totaling $500 or more on your Westgate Rewards MasterCard
  • Purchases are made within 60 days of opening the account
  • Purchases must be made outside of Westgate

Q. How can I maximize earning points on my Westgate Rewards MasterCard?

A. It's easy to maximize earning points by using your card for everyday purchases! This means, you will earn 2 points per dollar spent on all purchases made at Westgate, gas stations and grocery stores, and 1 point per dollar spent everywhere else MasterCard is accepted. Plus, you can also earn 4,000 bonus points if you make purchases outside of Westgate totaling $500 or more within the first 60 days of the account opening. You can even add Authorized Buyers to your account which allows you to earn even more points if your Authorized Buyers use their Westgate Rewards MasterCard for everyday purchases too.

Q. Where can I redeem my Reward Certificates?

A. Your Reward Certificates can be redeemed toward the following Westgate products/services:

  • Maintenance & Taxes
  • Westgate Mortgage Payment
  • Attraction Tickets
  • Developer Exchange
  • Marketplaces
  • Owner Events
  • Room Reservations
  • All WGR Restaurants
  • Serenity Spa
  • Westgate Timeshare, VAC PAC, VOA, Travel Club Purchases
  • Vacation Guard

Q: Will I be able to view my statements and pay my bill online?

A: Yes. Before you can perform these activities online, you will need to enroll in Online Account Management at comenity.net/westgatecard. Instructions will also be provided on your billing statement. If online payments are made by 6 PM EST, it will be credited the same day.

Apply Now* to apply by phone, call 1-855-463-6341
(TDD/TTY 1-800-695-1788)

Terms & Conditions

Exclusions apply, see below for details. The Westgate Rewards Program is provided by Westgate Resorts which is solely responsible for the program's operation. Westgate Resorts may change the terms of the program at any time without notice.

*Subject to credit approval. Comenity Bank issues the Westgate Rewards MasterCard Accounts pursuant to a license from MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.

**Standard variable APR of 13.99%, 19.99% and 22.99% based on Prime Rate and your creditworthiness. Balance Transfer and Cash Advance APR of 23.99%, based on the Prime Rate. Minimum Interest is $2.00 per credit plan.

+Earn a $25 reward certificate for every 2,500 points earned. The reward certificate is redeemable at any Westgate Resorts Property Front Desk. All reward certificates shall be printed onto subsequent monthly billing statements. Please allow up to 30 days for the reward certificates to be issued to your Westgate Rewards MasterCard account. Points expire after 18 months and all point calculations include tax and shipping. Reward certificates expire after 18 months from issue date. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

++Earn 2 points per $1 spent on all Westgate purchases, earn 2 points per $1 spent on grocery and gas purchases, earn 1 point per $1 spent on all outside purchases everywhere else MasterCard is accepted. Receive a $25 reward certificate for every 2,500 points earned. A bonus of 4,000 points will be awarded to new cardholder accounts. To qualify and receive your bonus points you must make purchases outside of Westgate totaling $500 or more within the first 2 months of account opening. Qualifying transactions do not include using your account for balance transfers, cash advances, or using any checks that access your account. After qualifying, please allow up to 30 days for bonus points to post to your Westgate Rewards MasterCard account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. This one-time bonus offer is valid only for first-time Westgate Rewards MasterCard members with new accounts. If your account is not active for at least 2 months, Westgate Resorts reserves the right to deduct the bonus offer points from your Westgate Rewards MasterCard account. The first purchase point bonus cannot be combined with any other offers.