Card comparisonSide by side
Choice Privileges® Select Mastercard® vs Wells Fargo Reflect® Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Wells Fargo | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | travel | balance transfer |
Card Tier Data: 1/2 cards | Premium | — |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $95 | $0 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | — | 17.49% – 28.24% |
Intro APR | — | 0% for 21 months |
| Rewards | ||
Welcome Bonus | Earn 60,000 points | — |
Bonus Value | $600 | — |
Reward Rate Data: 1/2 cards | 10x pts on choice privileges point purchases | — |
Reward Program Data: 1/2 cards | Choice Privileges | — |
| Earning Rates | ||
| Choice Privileges point purchases | 10x ptsEarn 10 points per $1 spent on qualifying net purchases of Choice Privileges points made on the Card Account. | — |
| Gas stations | 5x ptsEarns 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 | 5x ptsEarns 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 | 5x ptsEarns 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. | — |
| Other purchases | 1x ptsOther net purchases earn 1 rewards point per $1; cash advances and cash equivalents of any kind do not earn points. | — |
| Participating Choice Hotels properties | 10x ptsQualifying 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. | — |
| Phone plan services | 5x ptsEarns 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. | — |
| Benefits | ||
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