Wells Fargo
Choice Privileges Benefits, Credits & Annual Fee
No annual fee · Earns CHOICE
The no-annual-fee Choice Privileges Mastercard is best for Choice Hotels loyalists who want to earn points on hotel stays and everyday spending like gas, groceries, and home improvement, while getting automatic Gold Elite status each year.
- 10xHotels
- 10xChoice Privileges Point Purchases
- 5xGas +3
- StatusFast Track
- $120Trusted Traveler
$30/yr in credits · $0 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Choice Privileges at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Wells Fargo
- Rewards:
- CHOICE
- Credits:
- 1 recurring, up to $30 a year
Choice Privileges Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Hotels | 10x | |
| Groceries | 5x | |
| Gas | 5x | |
| Phone & internet | 5x | |
| Everything else | 1x |
Who Should Get the Choice Privileges?
The Choice Privileges fits people who spend most on hotels (10x) and groceries (5x). It has no annual fee, so it costs nothing to keep.
Is the Choice Privileges Worth It?
The Choice Privileges has no annual fee. Creddy lists 1 trackable credit worth up to $30 a year if you use it, so anything you use is value on top of your rewards.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Choice Privileges Welcome Bonus
60,000 Choice Privileges bonus points
Offer history
Higher than usual- Usual
- 40K points
- Highest seen
- 60K points
Tracked since May 2026
Choice Privileges Statement Credits and When They Reset
- Trusted Traveler Program Application or Renewal Fee Credit (Choice Privileges Select Mastercard)$120 / 4yrTrackable
Get up to $120 back for a Trusted Traveler Program application or renewal fee, such as Global Entry or TSA PreCheck. Charge the fee to your Choice Privileges Select Mastercard to receive a statement credit. You can receive one credit every four years.
Checked Oct 9, 2026
Choice Privileges Travel Benefits
Travel Benefits
- Choice Privileges Select Mastercard Anniversary Bonus30,000 pts / yrTrackable
Get 30,000 Choice Privileges bonus points each account anniversary. Redeem points through Choice Privileges for reward stays at participating properties; the bonus could cover up to three reward nights. The number of nights depends on the property, and additional fees and terms may apply.
Resets: Card anniversaryChecked Oct 7, 2026
Hotel Status
- Automatic Gold Elite Membership
Get automatic Choice Privileges Gold Elite status each calendar year just by holding the Choice Privileges Mastercard. The card credits your account with 10 Elite Qualifying Nights annually, enough to secure Gold Elite standing without any additional hotel stays required.
Checked Jul 4, 2026 - Choice Privileges Select Mastercard Platinum Elite Status
Get Choice Privileges Platinum Elite status through 20 Elite Qualifying Nights added each calendar year. Use your Choice Privileges membership when staying at participating hotels to access your status benefits. The qualifying nights and guaranteed status apply each calendar year.
Checked Oct 7, 2026 - Fast Track Elite Status
NEW: Upgrade to higher Choice Privileges Elite status and earn rewards faster with points earned using your card on everyday purchases. Terms apply.
Checked Sep 13, 2026 - Milestone Rewards
NEW: Earn Milestone Rewards more frequently throughout the year, such as bonus points or gift cards, based on Choice Privileges activity. Terms apply.
Checked Sep 13, 2026
More Choice Privileges Card Benefits
Bonus Earnings
- 10x Points on Choice Privileges Point Purchases (Choice Privileges Select Mastercard)10x points
Earn 10 points per $1 when you buy Choice Privileges points with your card. That's 1 base point plus 9 bonus points. Only qualifying net purchases of points made on your card account count.
Checked Oct 9, 2026 - 1X Points on Other Purchases1x points
Earn 1X Choice Privileges points on other purchases.
Checked Oct 1, 2026 - 10x Points on Choice Hotels Stays (Choice Privileges Select Mastercard)10x points
Earn 10 points per $1 on qualifying stays at eligible Choice hotels. That's 1 base point plus 9 bonus points. Pay for the stay with your Choice Privileges Select Mastercard to earn the bonus.
Checked Oct 9, 2026 - 5X Points on Choice Hotels Stays and Choice Privileges Point Purchases5x points
Earn 5 points per dollar on stays at participating Choice Hotels properties. The same rate applies when you purchase Choice Privileges points directly.
Checked Oct 1, 2026 - 5x Points on Gas, Groceries, Home Improvement and Phone Plans (Choice Privileges Select Mastercard)5x points
Earn 5 points per $1 on gas, groceries, home improvement, and phone plan purchases. That's 1 base point plus 4 bonus points. Points apply to net purchases at merchants coded in these categories by Mastercard.
Checked Oct 9, 2026 - 3X Points on Gas, Grocery, Home Improvement, and Phone Plan Purchases3x points
Earn 3 points per dollar at gas stations, grocery stores, and home improvement stores, and on phone plan services. Use your Choice Privileges Mastercard at these categories to rack up points on everyday spending.
Checked Oct 1, 2026
Purchase Protection
- Cellular Telephone Protection
Covers your cell phone against damage or theft, up to $800 per claim. To qualify, pay your monthly cell phone bill with your Choice Privileges Select Mastercard. Each claim requires a $25 deductible.
Checked Oct 9, 2026
Concierge & Membership
- Mastercard World Elite Benefits
Access to Mastercard World Elite benefits including additional security benefits, exclusive offers, concierge, and travel and lifestyle services. Terms apply.
Checked Sep 13, 2026
Fees & Miscellaneous
- No Foreign Transaction Fee
When you use your Choice Privileges Mastercard for travel, you will not pay a foreign currency conversion fee for purchases converted to U.S. dollars.
Checked Sep 13, 2026
Choice Privileges vs Other Wells Fargo Cards
- Wells Fargo Active CashNo annual fee
- Wells Fargo AutographNo annual fee
- Choice Privileges Select$95 / yr
- Wells Fargo Autograph Journey$95 / yr
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Choice Privileges FAQs
Is the Choice Privileges Mastercard worth the annual fee?
Compare Choice Privileges's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits can Creddy track for Choice Privileges?
Creddy's September 26, 2026 catalog check found no trackable benefit records for Choice Privileges. That describes Creddy's tracking coverage, not the card's full rewards, insurance or issuer benefits. Review the earning tables and the exact issuer terms for those separate features.
What is the annual fee for the Choice Privileges Mastercard?
Creddy's catalog lists a $0 annual fee for Choice Privileges as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Wells Fargo before applying or renewing.
Does the Choice Privileges Mastercard come with a welcome bonus?
Welcome offers for Choice Privileges can change and may depend on your application or account history. Check Wells Fargo's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Choice Privileges Mastercard?
Choice Privileges may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Choice Privileges Mastercard compare to other Wells Fargo cards?
Compare Choice Privileges with other Wells Fargo cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.