Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Choice Privileges Select Mastercard $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr. Strongest bonus categories: Choice Privileges Select Mastercard on gas stations, Wells Fargo Autograph Visa Credit Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Choice Privileges Select Mastercard | Wells Fargo Autograph Visa Credit Card |
|---|---|---|
| Gas Stations | 5X | 3X |
Both cards win in 4 categories each — it comes down to which categories matter most to you.
Gas Stations
Choice Privileges Select Mastercard earns 5X vs 3X
Grocery Stores
Choice Privileges Select Mastercard earns 5X vs 1X
Home Improvement
Choice Privileges Select Mastercard earns 5X vs 1X
Telecom
Choice Privileges Select Mastercard earns 5X vs 3X
Travel
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Dining
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
The better card depends on how much you spend.
Published annual fees: Choice Privileges Select Mastercard $95/yr, Wells Fargo Autograph Visa Credit Card $0/yr — a $95 difference before welcome offers and credits.
| Grocery Stores |
| 5X |
| 1X |
| Home Improvement | 5X | 1X |
| Telecom | 5X | 3X |
| Dining | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Travel | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The better card depends on how much you spend.
| Scenario | Choice Privileges Select Mastercard | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $65 − Annual fee ($95) Ongoing: $162 Year one: $642 | Rewards: $255 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $255 Year one: $505 | Wells Fargo Autograph Visa Credit Card | Choice Privileges Select Mastercard |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $65 − Annual fee ($95) Ongoing: $738 Year one: $1,218 | Rewards: $1,020 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,020 Year one: $1,270 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
The Choice Privileges Select Mastercard costs $95/yr — that's $95 more than the Wells Fargo Autograph Visa Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Choice Privileges Select Mastercard includes Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Choice Privileges Select Mastercard needs roughly $95 more in annual rewards (or credits you will use) to break even on gas stations and grocery stores and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Wells Fargo Autograph Visa Credit Card means losing:
Get the Choice Privileges Select Mastercard if you:
Get the Wells Fargo Autograph Visa Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
