$99
Annual fee
See the card
Card reviewWells Fargo
Updated Aug 13, 2026 · research
Wells FargoChoice Privileges Rewards Program
Choice Privileges® Select Mastercard®
Earn up to 10X Choice Privileges points, get automatic Platinum Elite status, and receive travel and cell phone benefits.
PremiumPersonal
Mastercard
$95
Annual fee
10x pts participating choice hotels properties and choice privileges point purchases
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 60,000 points
Spend $3,000 in 90 days
Verifiedissuer product page
Card Offers
public
Earn 60,000 points
Spend $3,000 in 90 days
issuer product page
Earning Rates
Participating Choice Hotels properties and Choice Privileges point purchases
10xpoints
For qualifying Choice hotel stays, eligible Choice brand hotels must be merchant of record and stays must be booked through choicehotels.com, directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center.
Gas stations, grocery stores, home improvement stores, and phone plan services
5xpoints
Qualifying purchases are determined by Mastercard merchant codes; purchases through third-party payment accounts, online marketplaces, mobile/wireless card readers, or mobile/digital wallets may not earn bonus points.
Other purchases
1xpoints
Applies to other net purchases; cash advances and cash equivalents do not earn points.
Pros & Cons
Pros
- Automatic Platinum Elite status with 25% points bonus on stays
- 10X points on Choice Hotels stays and point purchases
- 5X points on gas, groceries, home improvement, and phone services
- 30,000-point anniversary bonus
- No foreign transaction fees
Cons
- Annual fee of $95
- Rewards focused on Choice Hotels ecosystem
- Requires good credit for approval
- Limited dining and travel bonus categories
Key Takeaways
- 60,000-point welcome bonus after $3,000 spend in three months
- 10X points at Choice Hotels, 5X on select everyday categories
- Annual 30,000-point bonus and automatic Platinum Elite status
- Cell phone protection up to $800 with $25 deductible
- $120 Trusted Traveler reimbursement every four years
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
Card Benefits
5 benefits (4 strong or better)
Travel Credits
Elite Status
Purchase Protection
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the welcome bonus for the Choice Privileges Select Mastercard?
Cardholders earn 60,000 bonus points after spending $3,000 in purchases within the first three months. These points can redeem for up to seven reward nights at select Choice Hotels properties.
What is the annual fee?
The annual fee is $95. It applies starting from the first year with no waiver.
What are the earning rates?
Earn 10X points on stays at participating Choice Hotels and Choice Privileges point purchases. Earn 5X points on gas stations, grocery stores, home improvement stores, and phone plan services. All other purchases earn 1X points.
What does automatic Platinum Elite status provide?
It grants Platinum Elite status with a 25% bonus on points earned from stays and 20 Elite Qualifying Nights per year. Benefits follow Choice Privileges rules.
Does the card have foreign transaction fees?
No foreign transaction fees apply on purchases converted to USD.
What is the cell phone protection benefit?
Up to $800 coverage for damage or theft when the cell phone bill is paid with the card, subject to a $25 deductible. Terms apply per the Guide to Benefits.
What travel credits are available?
Up to $120 statement credit every four years for Global Entry or TSA PreCheck when the fee is charged to the card. An annual 30,000-point anniversary bonus also applies if the account remains open and not delinquent.
About This Card
Frequent Choice Hotels guests who spend on gas, groceries, home improvement, and phone bills and value automatic elite status.
The Choice Privileges® Select Mastercard® is a Wells Fargo-issued co-branded hotel rewards card with a $95 annual fee. It earns Choice Privileges points, provides automatic Platinum Elite status, 20 Elite Qualifying Nights each year, an annual 30,000-point bonus, up to a $120 Trusted Traveler Program statement credit every four years, no foreign transaction fee, and cell phone protection.
It offers automatic Platinum Elite status and an annual 30,000-point bonus at a modest $95 fee, setting it apart from similar hotel co-branded cards.
Ready to Decide?
Apply for the Choice Privileges® Select Mastercard®
Earn 60,000 points with a $95 annual fee.
Spend $3,000 in 90 days
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Sources & Methodology
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- 5 of 5 benefits rated high confidence
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