Wells Fargo
Choice Privileges® Mastercard®
Key Features
| Annual Fee | $0.00 |
| Network | Mastercard |
About this card
The Choice Privileges Mastercard earns an overall rating of 2.7 out of 5.0. While the card excels in its fee structure with no annual fee and no foreign transaction fees, making it accessible and cost-effective for travelers, its high APR significantly detracts from its value for those who carry a balance. The rewards program is moderately valuable, especially for frequent Choice Hotels customers, offering decent points on stays and select everyday purchases, along with a solid sign-up bonus. However, the rewards program's limited redemption options primarily confined to Choice Hotels and the lower-tier nature of the Choice Hotels portfolio limit its appeal compared to more flexible travel cards. The card's reputation is mixed, with positive user sentiment for frequent Choice Hotels guests but concerns about the issuer, Wells Fargo. Overall, the card is a fair option for budget-conscious travelers loyal to Choice Hotels, but its high APR and limited rewards flexibility prevent a higher rating.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Automatic elite status
- No foreign transaction fees
- Rewards on purchases
Things to consider
- High regular APR
- Limited rewards categories
- Requires good or excellent credit
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.