Travel rewards aren’t just for frequent flyers anymore. The Choice Privileges® Mastercard® brings hotel benefits to your doorstep by turning your regular purchases into free nights. Whether you’re filling up the tank, shopping for groceries, or paying your phone bill, this card rewards you where it matters most.
Choice Privileges® Mastercard
$0 Annual Fee No foreign transaction feeWith no annual fee and a user-friendly points system, it’s a straightforward way to earn. You’ll collect 5X points on Choice Hotels bookings and 3X on common everyday expenses, making it easy to build up rewards fast — even if you’re not a frequent traveler.
The card also includes a welcome bonus, automatic Gold Elite status with the Choice Privileges® program, and no foreign transaction fees — adding convenience and value for both everyday spending and travel. For those looking for a low-maintenance rewards card, this one checks all the right boxes.
🌟 Key Benefits of the Choice Privileges® Mastercard®
- $0 Annual Fee
Enjoy all benefits without paying to keep the card. - 5X Points on Choice Hotels
Get rewarded faster when booking directly with Choice Hotels. - 3X Points on Daily Essentials
Earn triple points on gas, groceries, home improvement, and phone services. - 1X on Other Purchases
Every eligible purchase helps you get closer to your next stay. - 60,000-Point Welcome Bonus
Spend $1,000 in the first 90 days and earn enough for up to 7 free nights. - Automatic Gold Elite Status
Unlock hotel perks like early check-in, late check-out, and bonus points. - No Foreign Transaction Fees
Use the card abroad without worrying about extra charges. - Cell Phone Protection
Pay your phone bill with the card to activate device protection (terms apply).
Choice Privileges® Mastercard® Comparison Table
| Feature | Choice Privileges® Mastercard® | Choice Privileges® Select Mastercard® |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | 60,000 pts after $1,000 spend (within 90 days) | 60,000 pts after $3,000 spend (within 90 days) |
| Hotel Rewards Rate | 5X points at Choice Hotels® | 10X points at Choice Hotels® |
| Daily Spending Bonus | 3X gas, groceries, home improvement, phone services | 5X gas, groceries, home improvement, phone services |
| Other Purchases | 1X point per dollar | 1X point per dollar |
| Anniversary Bonus | None | 30,000 bonus points per year |
| Elite Status | Gold Elite + 10 elite night credits | Platinum Elite + 20 elite night credits |
| Global Entry/TSA Credit | Not included | Up to $100 every 4 years |
| Cell Phone Protection | Up to $800 per claim | Up to $800 per claim |
| Foreign Transaction Fees | None | None |
| Best For | Occasional or beginner travelers | Frequent Choice Hotels® guests looking for upgrades |
📋 Requirements and How to Apply
To apply for the Choice Privileges® Mastercard®, make sure you meet the following criteria:
- Be at least 18 years old (or 19, depending on your state)
- Have a valid Social Security Number or ITIN
- Live in the United States with a U.S. mailing address
- Maintain a good to excellent credit score (typically 670+)
- Provide proof of steady income
🧾 Choice Privileges® Mastercard® – How to Apply:
- Go to the official Wells Fargo application page
- Click “Apply Now” to begin your online application
- Fill in your personal, employment, and financial information
- Review terms and conditions
- Submit and wait for an approval decision — some get an instant response
❓ Frequently Asked Questions (FAQ)
Do I need to be a Wells Fargo customer to apply?
No, you do not need a Wells Fargo account to apply or be approved for the Choice Privileges® Mastercard®.
How can I redeem my Choice Privileges points?
Points can be redeemed for free nights at participating Choice Hotels® locations, as well as for gift cards, experiences, or airline miles through the Choice Privileges rewards program.
Do my points ever expire?
Points will not expire as long as you earn or redeem at least once every 18 months.
Can I use this card internationally?
Yes! The card has no foreign transaction fees, making it great for both domestic and international travel.
What credit score do I need to qualify?
Applicants typically need a credit score in the good to excellent range — around 670 or higher.
🧳 Final Thoughts: Is This Card Worth It?
The Choice Privileges® Mastercard® offers excellent value for everyday earners who want simple, useful travel rewards. With bonus points on hotel stays and daily expenses, no annual fee, and a fast track to elite hotel benefits, it’s a strong option for budget-conscious travelers.
If you’re looking for a card that rewards your lifestyle — without extra work or complicated rules — this one deserves a spot in your wallet.
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