Choice Privileges Select Mastercard
Earn 10X at 7,500 Choice Hotels plus 30,000 annual bonus points
Earn 10X points at Choice Hotels and 5X on gas, groceries, and home improvement with a $95 annual fee. Get $300 in annual value through a $120 Global Entry/TSA PreCheck credit, 30,000 anniversary points, and automatic Platinum Elite status with 25% bonus points on stays. Transfer points to 6 airline partners for 0.7+ cents each.
- Annual Fee
- $95
- points · Welcome Bonus
- 60,000
- Highest rate (conditional)
- Up to 10X (Choice Hotels)
Terms checked against the issuer on July 29, 2026
At a Glance
- Annual Fee
- $95
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- Choice Privileges Points
- Point Valuation
- 0.5–0.85 cpp (mid: 0.8)
- Credit Required
- Good to Excellent
Welcome Offer
60,000
points
Spend $3,000 in the first 3 months
Earn 60,000 bonus points after $3,000 in purchases within your first 3 months. Combined with your anniversary bonus, you'll earn 90,000 points in your first year — enough for 12+ award nights at standard Choice properties or round-trip flights via transfer partners.
Earning Rates
- 10X
Choice Hotels
10x points per dollar at participating Choice Hotels properties
- 10X
Choice Privileges
10X points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases
- 5X
Gas Stations
5x at gas stations
- 5X
Grocery Stores
5x at grocery stores
- 5X
Home Improvement
5x at home improvement stores
- 5X
Telecom
5x on phone plan services (landline and cellphone)
- 1X
All Other
1x on all other purchases
Earning Scenarios
10X Points at 7,500+ Choice Hotels Worldwide
Earn 10 points per dollar at all Choice Hotels brands including Cambria, Radisson, Radisson Blu, The Ascend Collection, Quality Inns, Comfort Inns, MainStay Suites, Suburban Extended Stay, and others. With Platinum Elite, earn bonus points on top of base and category multipliers.
Spend $5,000 annually on Choice Hotels: earn 50,000 points (worth $300 in hotel stays or transfers)
5X Points at Gas Stations
Earn 5 points per dollar at all U.S. and international gas stations. No caps or restrictions — earn consistently on every fill-up throughout the year.
Spend $1,500 annually on gas: earn 7,500 points (worth $45 in hotels or transfers)
5X Points at Grocery Stores
Earn 5 points per dollar at supermarkets and grocery chains, excluding warehouse clubs. Includes Whole Foods, traditional grocers, and online grocery delivery.
Spend $3,000 annually on groceries: earn 15,000 points (worth $90 in hotels or transfers)
5X Points at Home Improvement Stores
Earn 5 points per dollar at Home Depot, Lowe's, and other home improvement retailers. No category caps — maximize rewards on renovation projects and regular maintenance.
Spend $2,000 annually on home improvements: earn 10,000 points (worth $60 in hotels or transfers)
5X Points on Phone Plans
Earn 5 points per dollar on wireless phone plan payments. Includes monthly carrier bills for AT&T, Verizon, T-Mobile, and regional providers when paid by card.
Pay $600 annually in phone plans: earn 3,000 points (worth $18 in rewards)
1X on All Other Purchases
Earn 1 point per dollar on any purchase not in the above categories with no annual caps. Consistent rewards on everything else you buy.
Spend $10,000 monthly on other purchases: earn 120,000 points annually (worth $720 in hotels or transfers)
Benefits & Perks
Travel Benefits
3 perksElite Status
General Travel
Annual Credits & Statement Credits
1 creditsUp to
$7.50
in recurring credits (annual)
$120 Global Entry/TSA PreCheck credit
Up to $120 statement credit every 4 years for Global Entry or TSA PreCheck application or renewal fee.
$120
Every 4 years
Elite Status & Memberships
Fast track to top-tier perks
Automatic Platinum Elite status
Automatic Choice Privileges Platinum Elite status with 25% bonus points on stays, 20 Elite Qualifying Nights, and upgrade benefits.
Insurance & Protections
3 protectionsUp to $800 cell phone protection
secondary
Protection against damage or theft with just $25 deductible when you pay your monthly phone bill with the card.
View conditions
Deductible: 25
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Program & Transfers
Choice Privileges
Stay more, unlock more.
Choice Privileges is a hotel loyalty program designed to reward paid stays and partner activity with points-based value. The program includes 5 membership levels (Member, Gold, Platinum, Diamond, Titanium) with incremental benefits as activity grows. In 2026, the program introduced the new Titanium elite tier and Elite Qualifying Credits (EQCs) system, making elite status easier to achieve while rewarding frequent travelers with higher perks. Members can earn through qualifying stays, credit card spending, and partner activity, then redeem for free nights, experiences, and other rewards. For elite members, points never expire.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Europe properties (20K or fewer points) | 8,000–20,000 | — | — |
| Japan properties (20K or fewer points) | 8,000–20,000 | — | — |
| Myrtle Beach weekend nights (15K or fewer) | 8,000–15,000 | — | — |
| RewardSaver rates (as low as 6K points) | 6,000–15,000 | — | — |
| Preferred Hotels & Resorts (25K-50K points) | 25,000–50,000 | — | — |
| Points Plus Cash combo deals | 6,000–25,000 | — | — |
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesHow It Compares
The Choice Privileges Select delivers 10X at Choice Hotels (7,500+ properties) and 5X on everyday categories. With a $95 annual fee, you earn 30,000 anniversary points and $120 in credits while maintaining Platinum Elite status at Choice.
Pros and Cons
Pros
- +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
- +$120 Global Entry/TSA PreCheck credit every 4 years
- +Up to $800 cellphone protection
- +No foreign transaction fees
- +Product change path available from/to no-fee card
Cons
- -$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
- -No primary auto rental insurance
- -Platinum status doesn't include breakfast benefit
Who It's Best For
Best For
- Frequent Choice Hotels guests who can maximize 10x earning at properties
- Travelers who value Platinum Elite status benefits (late checkout, room upgrades)
- Cardholders who spend heavily on gas, groceries, and home improvement (5x categories)
- Those who want Global Entry/TSA PreCheck credit covered
- Cardholders who can offset the $95 annual fee with the 30,000 anniversary points
Not Ideal For
- Occasional Choice Hotels guests who can't justify the $95 annual fee
- Travelers who prefer luxury hotel brands not in the Choice portfolio
- Those seeking premium travel benefits like lounge access or comprehensive insurance
- Budget travelers who would be better served by the no-annual-fee version
- International travelers needing extensive travel protections
The Math: Is $95 Worth It?
First-year value includes $480 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.50
Annual Fee
-$95
Net Annual Value
-$90.50
Details & Terms
Payment Terms
| Purchase APR | 19.99%–28.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Video Reviews
8 videosWells Fargo Choice Privileges Select Credit Card Review | BEST Credit Card in 2024?!
Choice Privileges MasterCard and Choice Privileges Select MasterCard by Wells Fargo - Review
The Choice Privileges MasterCard | Is It Worth It?
Wells Fargo Choice Privileges Select Credit Card Review 2025 | Worth It or Leave It?
Choice Privileges Mastercard (Wells Fargo) Honest Review — Real User Experience & Hidden Drawbacks
Choice Privileges Select Mastercard (Wells Fargo) Honest Review — Real User Experience & Rewards
Wells Fargo Choice Privileges Select Credit Card Review (2026): Detailed Look
Third-Party Articles & Reviews
Choice Privileges Select Mastercard review: Elite status and bonus points each year
The Points Guy's comprehensive review highlighting elite status grants, annual bonus points, and the card's value for frequent hotel travelers.
Get Up to 10X Points | Wells Fargo Choice Privileges Select
Official Wells Fargo landing page for the Choice Privileges Select Mastercard with complete benefit details, earn rates, and application information.
Choice Privileges Select Mastercard 2026 Review
U.S. News review of the Wells Fargo Choice Privileges Select card with 2026 benefits update, annual fees, and cardholder suitability analysis.
Choice Privileges Select Mastercard: Full Review [2026]
Upgraded Points comprehensive review of the Choice Privileges Select with focus on points earning, elite benefits, and redemption strategies at Choice Hotels.
Choice Privileges Rewards Program Guide 2026
LendingTree's comprehensive guide to the Choice Privileges rewards program, explaining elite tiers, point earning, and redemption best practices.
Wells Fargo Choice Privileges Select Mastercard Review
NerdWallet's detailed review comparing the Choice Privileges Select to other hotel credit cards, with analysis of the $95 annual fee and elite night benefits.
Choice Privileges Select World Elite Mastercard Guide to Benefits
Official Wells Fargo Guide to Benefits document detailing all insurance coverage, protections, and cardholder benefits for the Choice Privileges Select.
Choice Privileges Select Mastercard Review
WalletHub's review covering the Choice Privileges Mastercard program benefits and how the Select tier compares to other versions.
Choice Privileges Select Mastercard Named one of MONEY.com's 2025 Best Credit Cards
Choice Hotels press release announcing the Choice Privileges Select Mastercard's recognition as one of MONEY.com's top credit cards for 2025.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Wells Fargo | — | Wells Fargo |
| Usnews | — | Usnews |
| Issuer Page | Issuer Page: Multiple card facts | |
| Upgraded Points | — | Upgraded Points |
| NerdWallet | — | NerdWallet |
| Scrape 20260201 | Scrape 20260201: Card name | |
| RewardsCC API | — | RewardsCC API |
| Wells Fargo | Wells Fargo: Cobrand | |
| Wells Fargo | — | Wells Fargo |
| Wells Fargo | Wells Fargo: Welcome offer |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.