Choice Privileges Select Mastercard
$95/year, earning Choice Privileges Points, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Choice Privileges Select Mastercard is a $95/year card from Wells Fargo earning Choice Privileges Points. It earns 10x on choice hotels, 5x on gas, 5x on grocery and 1x on everything else. It carries 1 recurring statement credit worth $30 a year, listed in full below with the cap and reset date for each.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers Wells Fargo advertises. We do not convert them into a percentage return, because that requires putting a price on Choice Privileges Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Choice Hotels | 10x | |
| Gas | 5x | |
| Grocery | 5x | |
| Home Improvement | 5x | |
| Internet, Cable & Phone Services | 5x | |
| EV Charging | 5x | |
| Other | 1x | Everything else |
Statement credits
$30 a year across 1 credit against a $95 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| 30,000 Anniversary Bonus PointsReceive 30,000 bonus points every account anniversary, valued at approximately $180. Points are automatically credited to your Choice Privileges account. | Once a year | ~$180 |
Status and included memberships
- Choice Privileges Platinum Elite Status — Receive 20 Elite night credits each calendar year, qualifying for Platinum Elite status. Platinum Elite benefits include a 25% bonus on points earned from hotel stays, complimentary room upgrades when available, early check-in, and late checkout at participating Choice Hotels properties.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Cell Phone Protection — Cell phone protection of up to $800 per claim when you pay your monthly cell phone bill with the card. Subject to a deductible and limitations. Covers damage or theft of your cell phone.
Questions people ask about the Choice Privileges Select Mastercard
What is the annual fee on the Choice Privileges Select Mastercard?
The Choice Privileges Select Mastercard has a $95 annual fee.
What statement credits does the Choice Privileges Select Mastercard include?
It carries 1 recurring statement credit worth $30 a year in total: $120 Global Entry or TSA PreCheck Fee Credit ($30, resets on the cardmember year). Verified 2026-09-20.
What does the Choice Privileges Select Mastercard earn?
10x on choice hotels, 5x on gas, 5x on grocery, 5x on home improvement, and 1x on everything else, in Choice Privileges Points.
Is the Choice Privileges Select Mastercard worth the annual fee?
Its recurring statement credits total $30 a year against a $95 fee, so the card pays for itself on credits alone if you use 100% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Choice Privileges Select Mastercard charge foreign transaction fees?
No — the Choice Privileges Select Mastercard has no foreign transaction fee.
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