Choice Privileges® Mastercard®
Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels® properties.
Current Welcome Offer
40,000 points
Spend $1,000 in 90 days
Card Offers
public
40,000 points
Spend $1,000 in 90 days
Earning Rates
Qualifying stays at eligible Choice hotels.
Qualifying net purchases of Choice Privileges points.
Net purchases at specified merchants based on MCC.
All other net purchases.
Pros & Cons
Pros
- No annual fee
- 40,000-point welcome bonus
- 5X points on Choice Hotels stays and point purchases
- 3X points on gas, groceries, home improvement, and phone services
- Automatic Gold Elite status
Cons
- Good credit required
- Cell phone protection limited to 2 claims per 12 months
- Rewards specific to Choice Privileges program
- No introductory APR offered
Key Takeaways
- Earn 40,000 bonus points after $1,000 spend in 3 months
- 5X points on Choice Hotels stays and point purchases
- Automatic Gold Elite status with 10% stay bonus and 10 EQN yearly
- No annual or foreign transaction fees
- Cell phone protection up to $800 per claim
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
Card Benefits
4 benefits
Travel Credits
Elite Status
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Choice Privileges Mastercard?
What is the welcome bonus offer?
How does earning work on this card?
Are there foreign transaction fees?
What cell phone protection is provided?
What is automatic Gold Elite membership?
What credit score is required?
What Mastercard World Elite benefits are included?
About This Card
Best for Choice Hotels loyalists and consumers with routine spending on gas, groceries, home improvement stores, or phone bills who want elevated rewards and automatic elite status without a fee.
Earn 5X points on stays at participating Choice Hotels properties and Choice Privileges point purchases, 3X points on gas stations, grocery stores, home improvement stores, and phone plan services, 1X points on other purchases. Automatic Gold Elite status and 10 Elite Qualifying Nights. Cell phone protection up to $800. No foreign transaction fees. Mastercard World Elite benefits.
It differentiates in the no-annual-fee category with automatic Gold Elite hotel status and targeted 5X earning on Choice properties.
Ready to Decide?
Apply for the Choice Privileges® Mastercard®
40,000 points with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
Sources & Methodology
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Pending editorial review.
- 3 of 4 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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