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® Select Mastercard®
The Choice Privileges® Select Mastercard® is built for Choice Hotels guests who want to earn more from hotel stays while also picking up bonus points on a few everyday categories like gas, groceries, phone service, and home improvement. It works better as a brand-loyal travel card than as an everyday card, since non-bonus spending earns very little back.
Welcome Offer
60,000 Points
Annual Fee
$95
Rec. Credit Score
Excellent
Good For
Choice loyalists
All information about Choice Privileges® Select Mastercard® has been collected independently by MaxRewards. Choice Privileges® Select Mastercard® is no longer available through MaxRewards.
Is the Choice Privileges® Select Mastercard® worth it?
This card is great for...
Choice hotel stays
Gas and grocery spending
Phone and home improvement bills
This card is worth a look if you stay with Choice often enough to use Choice Privileges points regularly and want a mid-tier hotel card with a manageable $95 annual fee. The strongest value comes from the elevated earnings at Choice properties, plus decent bonus rates on several common household spending categories that can help you build points outside of travel.
For most other readers, the appeal is narrower. Choice points are less flexible than general travel rewards or cash back, and the card's 1x earning on everything else is weak for daily spending. With no listed statement credits, lounge access, or other built-in perks to help offset the annual fee, this card makes the most sense for travelers who already know they will redeem within the Choice ecosystem.
MaxRewards Verdict
A solid fit for regular Choice guests who want to earn brand points from both hotel stays and a handful of useful everyday categories. If you are not likely to redeem Choice points often, the annual fee is harder to justify.
Welcome Offer
60,000 Points after you spend $3,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$360
Required Spend
$3,000
Time Frame
3 Months
Est. Value
$360
Required Spend
$3,000
Time Frame
3 Months
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Rewards
Rewards percent based on a valuation of 0.6¢ per Choice Privileges point
This card earns Choice Privileges points, so the value depends on whether you actually use the Choice program. The rewards story is straightforward: strong earnings at Choice, a useful set of everyday bonus categories, and a low return on purchases outside those lanes.
CategoryEst. yearly spendRateRewards
Choice Privileges
Est. yearly spend
Rate6%
Rewards$0$0
AT&T
Est. yearly spend
Rate3%
Rewards$0$0
Gas
Est. yearly spend
Rate3%
Rewards$0$0
Grocery
Est. yearly spend
Rate3%
Rewards$0$0
Home Improvement
Est. yearly spend
Rate3%
Rewards$0$0
T-Mobile
Est. yearly spend
Rate3%
Rewards$0$0
Verizon
Est. yearly spend
Rate3%
Rewards$0$0
Everywhere
Est. yearly spend
Rate0.6%
Rewards$0$0
Est. Annual Rewards
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.
Rates & Fees
Annual Fee
$95
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
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
Terms apply.
See rates & fees.
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
Terms apply.
See rates & fees.