Choice Privileges Mastercard vs Choice Privileges Select Mastercard

A detailed side-by-side comparison to help you choose the right card for your spending.

Choice Privileges Mastercard

Wells Fargo

Choice Privileges Select Mastercard

Wells Fargo

Annual Fee

$95

Welcome Bonus

60,000 Hotel

Base Earn Rate

Top Earn Categories

5X Choice Hotels

5X Choice Privileges

3X Gas Stations

3X Grocery Stores

10X Choice Hotels

10X Choice Privileges

5X Gas Stations

The Bottom Line

The Choice Privileges Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Choice Privileges Mastercard — Full Review All Wells Fargo Cards

Choice Privileges Select Mastercard — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Choice Privileges Mastercard vs Choice Privileges Select Mastercard

A detailed side-by-side comparison to help you choose the right card for your spending.

Choice Privileges Mastercard

Wells Fargo

Choice Privileges Select Mastercard

Wells Fargo

Annual Fee

$95

Welcome Bonus

60,000 Hotel

Base Earn Rate

Top Earn Categories

5X Choice Hotels

5X Choice Privileges

3X Gas Stations

3X Grocery Stores

10X Choice Hotels

10X Choice Privileges

5X Gas Stations

The Bottom Line

The Choice Privileges Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Choice Privileges Mastercard — Full Review All Wells Fargo Cards

Choice Privileges Select Mastercard — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Choice Privileges Mastercard vs Choice Privileges Select Mastercard

A detailed side-by-side comparison to help you choose the right card for your spending.

Choice Privileges Mastercard

Wells Fargo

Choice Privileges Select Mastercard

Wells Fargo

Annual Fee

$95

Welcome Bonus

60,000 Hotel

Base Earn Rate

Top Earn Categories

5X Choice Hotels

5X Choice Privileges

3X Gas Stations

3X Grocery Stores

10X Choice Hotels

10X Choice Privileges

5X Gas Stations

The Bottom Line

The Choice Privileges Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Choice Privileges Mastercard — Full Review All Wells Fargo Cards

Choice Privileges Select Mastercard — Full Review All Wells Fargo Cards

Browse all comparisons →Browse all card categories →

Pros

+No annual fee with automatic Gold Elite status
+Strong 3x earning on gas, grocery, home improvement, and phone plans
+5x earning at participating Choice Hotels
+10 elite night credits annually
+No foreign transaction fees

+Automatic Platinum Elite status with meaningful benefits
+Industry-leading 10x earning at Choice Hotels
+Strong 5x earning on gas, grocery, home improvement, and phone plans
+30,000 anniversary bonus points (worth ~$180 in stays)
+20 elite night credits annually

Cons

−Gold Elite status provides limited benefits compared to Platinum
−Lower earning rates than the Select card across all categories
−No anniversary bonus points
−No Global Entry/TSA PreCheck credit
−Choice Hotels lacks luxury properties

−$95 annual fee that may be hard to justify for occasional guests
−Higher $3,000 spend requirement for welcome bonus vs no-fee card
−Choice Hotels limited to economy and midscale properties
−Points value relatively low compared to premium hotel programs
−No lounge access or premium travel benefits

Pros

+No annual fee with automatic Gold Elite status
+Strong 3x earning on gas, grocery, home improvement, and phone plans
+5x earning at participating Choice Hotels
+10 elite night credits annually
+No foreign transaction fees

+Automatic Platinum Elite status with meaningful benefits
+Industry-leading 10x earning at Choice Hotels
+Strong 5x earning on gas, grocery, home improvement, and phone plans
+30,000 anniversary bonus points (worth ~$180 in stays)
+20 elite night credits annually

Cons

−Gold Elite status provides limited benefits compared to Platinum
−Lower earning rates than the Select card across all categories
−No anniversary bonus points
−No Global Entry/TSA PreCheck credit
−Choice Hotels lacks luxury properties

−$95 annual fee that may be hard to justify for occasional guests
−Higher $3,000 spend requirement for welcome bonus vs no-fee card
−Choice Hotels limited to economy and midscale properties
−Points value relatively low compared to premium hotel programs
−No lounge access or premium travel benefits

Pros

+No annual fee with automatic Gold Elite status
+Strong 3x earning on gas, grocery, home improvement, and phone plans
+5x earning at participating Choice Hotels
+10 elite night credits annually
+No foreign transaction fees

+Automatic Platinum Elite status with meaningful benefits
+Industry-leading 10x earning at Choice Hotels
+Strong 5x earning on gas, grocery, home improvement, and phone plans
+30,000 anniversary bonus points (worth ~$180 in stays)
+20 elite night credits annually

Cons

−Gold Elite status provides limited benefits compared to Platinum
−Lower earning rates than the Select card across all categories
−No anniversary bonus points
−No Global Entry/TSA PreCheck credit
−Choice Hotels lacks luxury properties

−$95 annual fee that may be hard to justify for occasional guests
−Higher $3,000 spend requirement for welcome bonus vs no-fee card
−Choice Hotels limited to economy and midscale properties
−Points value relatively low compared to premium hotel programs
−No lounge access or premium travel benefits