Choice Privileges® Mastercard®
Issued by Wells Fargo
Rates verified July 2026
Welcome Bonus
Earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months1 - enough to redeem for up to 5 reward nights at select Choice Hotels® properties.
Rewards Rate
1x points · up to 5x on Choice Privileges
Annual Fee
No annual fee
Recommended Credit Score
good
You'll be taken to the issuer's secure application
Rewards Program
1x points · up to 5x on Choice Privileges
Welcome Offer
Earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months1 - enough to redeem for up to 5 reward nights at select Choice Hotels® properties.
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Choice Privileges, Gas Stations, Grocery Stores, Home Improvement
Why We Recommend This Card
5.0% on Choice Privileges
3.0% on Gas Stations
3.0% on Grocery Stores
Earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months1 - enough to redeem for up to 5 reward nights at select Choice Hotels® properties.
Automatic Gold Elite membership
Enjoy the perks of Gold Elite status and earn 10% bonus points every time you book a qualifying stay with Choice® hotels. That’s halfway to Platinum Elite status.
Cell phone protection
Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
Network benefits (Mastercard) — 7 standard protections
Global emergency services
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Mastercard ID Theft Protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer
Mastercard Transit Benefit
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Direct to the Issuer
The Apply button takes you to Wells Fargo's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information