Choice Privileges® Select Mastercard®
60,000 Choice Privileges points after you spend $3,000 in 3 months. $95 a year.
- Welcome offer
- Issuer's pagewellsfargo.com
“Earn 60,000 bonus points when you spend $3,000 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
“$95 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 | $360 | $60 |
| Typical spender | $545 | $245 |
| Heavy spender | $825 | $525 |
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
- 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 $3,000 on purchases in your first 3 months.
The bonus points will show as redeemable within 60 days after they are earned. Cash advances, cash equivalents, balance transfers, disputes, illegal transactions, fees, interest, and gambling transactions do not qualify.
How you earn · Choice Privileges Rewards Program
- 10× pointsStays at participating Choice Hotels properties
- 10× pointsChoice Privileges point purchases
- 5× pointsPurchases at gas stations, automated fuel dispensers, and electric vehicle charging stations
- 5× pointsPurchases at grocery stores, supermarkets, delis and bakeries
- 5× pointsPurchases at home improvement stores and qualifying home improvement merchants
- 5× pointsPurchases on phone plan services, including qualifying landline and cell phone providers
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com “$95 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
- Trusted Traveler Program credit: $120 every 4 years
- One statement credit of up to $120 every four years for an eligible Trusted Traveler Program application or renewal fee.
- Automatic Choice Privileges Platinum Elite membership.
- Receive 20 Elite Qualifying Nights each calendar year, subject to the stated account and linked Choice Privileges Rewards Program requirements.
- Platinum Elite members earn a 25% bonus on base Choice Privileges points for qualifying stays.
- Earn 30,000 bonus points every account anniversary while the account remains open, not delinquent, and not in default.
- Milestone Rewards may include bonus points or gift cards when qualifying thresholds are reached.
- No foreign transaction fee for purchases converted to U.S. dollars.
- Mastercard World Elite benefits include security benefits, exclusive offers, concierge services, and travel and lifestyle services.
- Cell phone: Up to $800 per approved claim, with a maximum of two paid claims per 12-month period
Questions
- What is the annual fee?
- $95 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 $3,000 in purchases in 3 months. wellsfargo.com, since Sep 29, 2026
Other points cards with fees up to $100
- Citi Strata Premier - TravelCiti · $95 a year+$225 a year
- Bilt ObsidianBilt · $95 a year+$195 a year
- Bank of America Premium RewardsBank of America · $95 a year+$135 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).