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Card reviewWells Fargo
Updated Apr 14, 2026 · research
CP
Wells FargoChoice PrivilegesEditorially reviewed

Choice Privileges Select Mastercard

Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels properties.

PremiumPersonal
Mastercard
Credit profile: good
$95
Annual fee
10x pts choice hotels stays and choice privileges point purchases
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

60,000 points

Spend $3,000 in 90 days

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Card Offers

public

60,000 points

Verified

Spend $3,000 in 90 days

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Earning Rates

Choice Hotels stays and Choice Privileges point purchases
10xpoints

Qualifying net purchases at eligible Choice Hotels and point purchases

Gas stations, grocery stores, home improvement stores, phone plan services
5xpoints

Net purchases at merchants classified as gas, groceries, home improvement, telecom

Other purchases
1xpoints

All other net purchases

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 TypeAmount
Annual Fee$95
Foreign Transaction Fee0%

Card Benefits

6 benefits (1 strong or better) including 1 hidden gems

Travel Credits

Elite Status

Purchase Protection

Lifestyle Benefits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Cellular Telephone Protection

Provides up to $800 coverage for cell phone damage or theft when the bill is paid with the card, subject to a $25 deductible. This benefit applies even for phones added after billing under certain conditions.

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.

Earn 60,000 bonus points after spending $3,000 in the first 3 months. Earn 10X points on stays at participating Choice Hotels properties and Choice Privileges point purchases, 5X points on gas stations, grocery stores, home improvement stores, and phone plan services, 1X points on other purchases. Includes anniversary bonus of 30,000 points, automatic Platinum Elite status, Trusted Traveler reimbursement, no foreign transaction fees, cell phone protection, and Mastercard World Elite benefits.

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

60,000 points with a $95 annual fee.

Spend $3,000 in 90 days

Apply NowCompare Cards

Reward Program

Choice Privileges

Earns Points

Learn more

Card Categories

TravelHotels

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 5 of 6 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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