CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Choice Privileges Mastercard ($0/yr) is better for everyday value, while the Choice Privileges Select Mastercard ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Choice Privileges Mastercard | Choice Privileges Select Mastercard |
|---|---|---|
| Choice Hotels | 5X | 10X |
The Choice Privileges Select Mastercard wins in 7 of 7 categories. The Choice Privileges Mastercard leads in 0.
Choice Hotels
Choice Privileges Select Mastercard earns 10X vs 5X
Choice Privileges
Choice Privileges Select Mastercard earns 10X vs 5X
Gas Stations
Choice Privileges Select Mastercard earns 5X vs 3X
Grocery Stores
Choice Privileges Select Mastercard earns 5X vs 3X
Home Improvement
Choice Privileges Select Mastercard earns 5X vs 3X
Phone Plans
Choice Privileges Select Mastercard earns 5X vs 3X
Telecom
Choice Privileges Select Mastercard earns 5X vs 3X
The Choice Privileges Select Mastercard costs $95/yr — that's $95 more than the Choice Privileges Mastercard (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 offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
The Choice Privileges Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Choice Privileges Mastercard if you want solid rewards with a lower cost of entry. Choose the Choice Privileges Select Mastercard if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Choice Privileges Mastercard ($0/yr) is better for everyday value, while the Choice Privileges Select Mastercard ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Choice Privileges Mastercard | Choice Privileges Select Mastercard |
|---|---|---|
| Choice Hotels | 5X | 10X |
The Choice Privileges Select Mastercard wins in 7 of 7 categories. The Choice Privileges Mastercard leads in 0.
Choice Hotels
Choice Privileges Select Mastercard earns 10X vs 5X
Choice Privileges
Choice Privileges Select Mastercard earns 10X vs 5X
Gas Stations
Choice Privileges Select Mastercard earns 5X vs 3X
Grocery Stores
Choice Privileges Select Mastercard earns 5X vs 3X
Home Improvement
Choice Privileges Select Mastercard earns 5X vs 3X
Phone Plans
Choice Privileges Select Mastercard earns 5X vs 3X
Telecom
Choice Privileges Select Mastercard earns 5X vs 3X
The Choice Privileges Select Mastercard costs $95/yr — that's $95 more than the Choice Privileges Mastercard (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 offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
The Choice Privileges Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Choice Privileges Mastercard if you want solid rewards with a lower cost of entry. Choose the Choice Privileges Select Mastercard if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Choice Privileges Mastercard ($0/yr) is better for everyday value, while the Choice Privileges Select Mastercard ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Choice Privileges Mastercard | Choice Privileges Select Mastercard |
|---|---|---|
| Choice Hotels | 5X | 10X |
The Choice Privileges Select Mastercard wins in 7 of 7 categories. The Choice Privileges Mastercard leads in 0.
Choice Hotels
Choice Privileges Select Mastercard earns 10X vs 5X
Choice Privileges
Choice Privileges Select Mastercard earns 10X vs 5X
Gas Stations
Choice Privileges Select Mastercard earns 5X vs 3X
Grocery Stores
Choice Privileges Select Mastercard earns 5X vs 3X
Home Improvement
Choice Privileges Select Mastercard earns 5X vs 3X
Phone Plans
Choice Privileges Select Mastercard earns 5X vs 3X
Telecom
Choice Privileges Select Mastercard earns 5X vs 3X
The Choice Privileges Select Mastercard costs $95/yr — that's $95 more than the Choice Privileges Mastercard (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 offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
The Choice Privileges Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Choice Privileges Mastercard if you want solid rewards with a lower cost of entry. Choose the Choice Privileges Select Mastercard if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| Choice Privileges | 5X | 10X |
| Gas Stations | 3X | 5X |
| Grocery Stores | 3X | 5X |
| Home Improvement | 3X | 5X |
| Phone Plans | 3X | 5X |
| Telecom | 3X | 5X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Bottom line: The $95 difference is small enough that the Choice Privileges Select Mastercard's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing Choice Privileges Mastercard means losing:
Get the Choice Privileges Mastercard if you:
| Choice Privileges | 5X | 10X |
| Gas Stations | 3X | 5X |
| Grocery Stores | 3X | 5X |
| Home Improvement | 3X | 5X |
| Phone Plans | 3X | 5X |
| Telecom | 3X | 5X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Bottom line: The $95 difference is small enough that the Choice Privileges Select Mastercard's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing Choice Privileges Mastercard means losing:
Get the Choice Privileges Mastercard if you:
| Choice Privileges | 5X | 10X |
| Gas Stations | 3X | 5X |
| Grocery Stores | 3X | 5X |
| Home Improvement | 3X | 5X |
| Phone Plans | 3X | 5X |
| Telecom | 3X | 5X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Bottom line: The $95 difference is small enough that the Choice Privileges Select Mastercard's extra perks make it worth considering for most cardholders.
Choosing one card means missing out on these benefits from the other.
Choosing Choice Privileges Mastercard means losing:
Get the Choice Privileges Mastercard if you:
