Choice Privileges Mastercard
60,000 Choice Privileges points after you spend $1,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagewellsfargo.com
“Earn 40,000 old bonus 60,000 new bonus bonus points when you spend $1,000 in purchases in the first 3 months 1 - enough to redeem for up to 7 reward nights at select Choice Hotels® properties.”
- Annual fee
- Issuer's pagewellsfargo.com
“$0 Annual Fee”
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- Issuer's pagewellsfargo.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $410 | $110 |
| Typical spender | $545 | $245 |
| Heavy spender | $775 | $475 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 0.5¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 40% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
60,000 points
After you spend $1,000 on purchases in your first 3 months.
The bonus rewards points will show as redeemable within 60 days after they are earned. The offer states that the points may be enough to redeem for up to 7 reward nights at select Choice Hotels® properties; additional fees and terms may apply.
How you earn · Choice Privileges Rewards Program
- 5× pointsstays at participating Choice Hotels® properties
- 5× pointsChoice Privileges point purchases
- 3× pointspurchases at gas stations
- 3× pointspurchases at grocery stores
- 3× pointspurchases at home improvement stores
- 3× pointspurchases on phone plan services
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com “$0 Annual Fee” |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagewellsfargo.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Automatic Choice Privileges Gold Elite membership.
- Receive 10 Elite Qualifying Nights each calendar year, guaranteeing Choice Privileges Gold Elite status and benefits. An active Choice Privileges Rewards Program member account must be linked to the card account.
- Earn a 10% bonus on base Choice Privileges points for qualifying stays at participating Choice hotels when holding Gold Elite membership.
- Fast-track higher Choice Privileges Elite status and rewards through qualifying card-earned points and status thresholds.
- Milestone Rewards may include bonus points or gift cards when qualifying Milestone Qualifying Nights or Milestone Qualifying Credits thresholds are reached.
- No foreign transaction fee on purchases converted to U.S. dollars.
- Mastercard World Elite benefits, including access to security benefits, exclusive offers, concierge, and travel and lifestyle services.
- Cell phone: $800 per approved claim; maximum of two paid claims per 12-month period
Questions
- What is the annual fee?
- $0 Annual Fee wellsfargo.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. wellsfargo.com, since Sep 29, 2026
- What is the purchase APR?
- 19.24–28.49% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 60,000 Choice Privileges points after $1,000 in purchases in 3 months. wellsfargo.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$655 a year
- GM Rewards MastercardBarclays · No annual fee+$655 a year
- CareCredit MastercardSynchrony · No annual fee+$465 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).