$95
Annual fee
$600
Bonus value
See the card
Card reviewWells Fargo
Updated Jul 3, 2026 · research
Wells FargoChoice PrivilegesEditorially reviewed
Choice Privileges® Select Mastercard®
Earn Choice Privileges points with a $95 annual-fee Wells Fargo Mastercard, including 60,000 bonus points after $3,000 in purchases in the first 3 months and no foreign transaction fee.
PremiumPersonal
Mastercard
$95
Annual fee
10x pts choice privileges point purchases
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
60,000 points
Spend $3,000 in 90 days
Verifiedissuer page
Card Offers
public
60,000 points
Spend $3,000 in 90 days
issuer page
Earning Rates
Choice Privileges point purchases
10xpoints
Earn 10 points per $1 spent on qualifying net purchases of Choice Privileges points made on the Card Account.
Participating Choice Hotels properties
10xpoints
Qualifying Choice Hotel stays are items billed by eligible Choice brand hotels as merchant of record booked through choicehotels.com, directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center.
Gas Stations
5xpoints
Earns 5 points per $1 when the retailer's Mastercard merchant code is classified as gas stations, automated fuel dispensers, or electric vehicle charging stations; merchant coding and payment-method exclusions apply.
Grocery stores
5xpoints
Earns 5 points per $1 when the retailer's Mastercard merchant code is classified as grocery stores, supermarkets, delis, or bakeries; merchant coding and payment-method exclusions apply.
Home improvement stores
5xpoints
Earns 5 points per $1 for eligible Mastercard merchant codes including home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists providing home improvement services; merchant coding and payment-method exclusions apply.
Phone plan services
5xpoints
Earns 5 points per $1 when the retailer's Mastercard merchant code is classified as landline and cell phone providers considered telecommunication services; merchant coding and payment-method exclusions apply.
Other purchases
1xpoints
Other net purchases earn 1 rewards point per $1; cash advances and cash equivalents of any kind 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
7 benefits (3 strong or better) including 1 hidden gems
Travel Access & Perks
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.
Choice Privileges® Select Mastercard® from Wells Fargo earns Choice Privileges points: 10X on stays at participating Choice Hotels properties and on Choice Privileges point purchases, 5X on purchases at gas stations, grocery stores, home improvement stores and on phone plan services, and 1X on other purchases. The card has a $95 annual fee, no foreign transaction fee, a 60,000-point bonus offer after $3,000 in purchases in the first 3 months, an anniversary bonus, automatic Platinum Elite membership, a Trusted Traveler Program statement credit, 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
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Sources & Methodology
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 7 benefits rated high confidence
- 1 of 1 offer verified
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