100,000 Points
Worth $1,000
After you spend $25,000 on purchases on your new card in your first 3 months of card membership.
- 1%Everywhere
Annual Fee
$125
Rec. Credit
Excellent
Wells Fargo
Choice Privileges® Mastercard®
This card is built for Choice loyalists who want a no-annual-fee way to earn more points on hotel stays and a few everyday categories. It works best as a companion card for people who regularly stay at Choice properties, not as a primary card for all spending.
Welcome Offer
40,000 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Choice hotel guests
All information about Choice Privileges® Mastercard® has been collected independently by MaxRewards. Choice Privileges® Mastercard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Choice Privileges® Mastercard® worth it?
This card is great for...
Choice hotel stays
Gas and grocery spending
Cell phone bills
If you stay with Choice often enough to use and value Choice Privileges points, this card is easy to justify. There is no annual fee, the welcome offer has a low spending requirement, and the bonus categories cover a practical mix of gas, groceries, home improvement, and major wireless carriers. For a Choice customer, that makes it a simple way to build points without paying to keep the card.
For most other readers, the appeal is much narrower. The value here depends heavily on wanting Choice points in the first place, and the return on non-bonus spending is weak. If you do not regularly book Choice hotels, a general travel card or cash-back card will usually give you more flexible rewards and better long-term value.
MaxRewards Verdict
A solid fit for regular Choice guests who want a no-fee hotel card with a few useful everyday bonus categories. If you want flexible rewards or a stronger all-purpose earning card, this is probably not the one to keep at the front of your wallet.
Welcome Offer
40,000 Points
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$240
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$240
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
This card earns Choice Privileges points, so the rewards story only really works if you plan to redeem within the Choice hotel program. The bonus categories are practical, but the strongest value still comes from using the card where it aligns with Choice stays and your routine household spending.
CategoryRate
Choice Privileges
3%
AT&T
1.8%
Gas
1.8%
Grocery
1.8%
Home Improvement
1.8%
T-Mobile
1.8%
Verizon
1.8%
Everywhere
0.6%
Rewards percent based on a valuation of 0.6¢ per Choice Privileges point
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
19.74% - 28.49%
Variable
Transfer APR
19.74% - 28.49%
Variable
Cash Advance APR
29.49%
Variable
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Wells Fargo
See all 23 cards
60,000 Points
Worth $600
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 5%Hotel
- 4%Airline
- 3%Dining
Annual Fee
$95
Rec. Credit
Excellent
50,000 Points
Worth $500
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1%Everywhere
Annual Fee
$0
Rec. Credit
Excellent