Wells Fargo
Choice Privileges® Mastercard®
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 60,000 bonus points |
| Rewards Rate | 1x-5x points |
| Other Fees | No foreign transaction fee |
| Network | Mastercard |
About this card
Considering the individual ratings and reputation analysis, the Choice Privileges Mastercard receives an overall rating of 2.6 out of 5.0. The card's strengths lie in its $0 annual fee and lack of foreign transaction fees, making it a cost-effective option for travelers. The rewards program provides decent value for frequent Choice Hotels guests, especially with the sign-up bonus and bonus points on specific categories. However, the high APR significantly diminishes its appeal for users who carry a balance, and the rewards program's limited redemption options primarily within the Choice Hotels ecosystem restrict its flexibility compared to broader travel cards. The card's reputation is solid but unremarkable, often overshadowed by its higher-tier counterpart, the Choice Privileges Select Mastercard. The issuer's (Wells Fargo) reputation is also a factor, with past scandals impacting consumer trust.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Automatic elite status
- No foreign transaction fees
- Cell phone protection
Things to consider
- Limited rewards categories
What this card offers
Sign-up bonuses
- Earn 40,000old bonus 60,000new bonus bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.
Rewards
- 5X Points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases
- 3X Points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services
- 1X Points on other purchases
Other features
- Automatic Gold Elite membership
- Enjoy the perks of the Gold Elite status and earn 10% bonus points every time you book a qualifying stay at Choice hotels.
- Receive 10 Elite Qualifying Nights guaranteeing you Choice Privileges Gold Elite status and benefits each calendar year.
- NEW! Fast track your status and rewards
- Upgrade to higher status and earn rewards faster with points earned using your card on everyday purchases.
- NEW! Introducing Milestone Rewards!
- Earn rewards more frequently throughout the year - such as bonus points or gift cards.
- Cellular Telephone Protection
- Get up to $800 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your Choice Privileges® Mastercard® (subject to a $25 deductible). Terms apply.
- No foreign transaction fee
- When you use your card for travel, you won’t pay a foreign currency conversion fee for purchases converted to U.S. dollars.
- Mastercard® World Elite benefits
- Get access to additional security benefits, exclusive offers, concierge, travel & lifestyles services, and more.
Additional Notes
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of this offer. This offer is not a guarantee of credit. Credit card is subject to credit qualification. You may not be eligible for the introductory bonus rewards offer if you opened a Choice Privileges Mastercard Credit Card or a Choice Privileges Select Mastercard Credit Card within the last 15 months from the date of this application, even if that account is closed and has a $0 balance. You may not be eligible for a Choice Mastercard product if you currently have an open Choice Privileges or Choice Privileges Select Mastercard account.