Wells Fargo
Choice Privileges Select Benefits, Credits & Annual Fee
$95 / yr · Earns CHOICE
A co-branded hotel card for loyal Choice Hotels guests, offering 10x points on Choice Hotels stays, automatic Platinum Elite status, a 30,000-point anniversary bonus, and a $120 Global Entry/TSA PreCheck credit - all for a $95 annual fee.
- 10xHotels
- 5xGas +3
- StatusPlatinum
- $120Trusted Traveler
- StatusChoice Privileges Fast Track
$30/yr in credits · $95 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 7, 2026
Choice Privileges Select at a Glance: $95 Annual Fee, Issuer and Rewards
- Annual fee:
- $95 / yr
- Issuer:
- Wells Fargo
- Rewards:
- CHOICE
- Credits:
- 1 recurring, up to $30 a year
Choice Privileges Select Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Hotels | 10x | |
| Groceries | 5x | |
| Gas | 5x | |
| Phone & internet | 5x | |
| Everything else | 1x |
Who Should Get the Choice Privileges Select?
The Choice Privileges Select fits people who spend most on hotels (10x) and groceries (5x). Its $95 annual fee makes sense if the $30 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway.
Is the Choice Privileges Select Worth the $95 Annual Fee?
The Choice Privileges Select costs $95 a year. Creddy lists 1 trackable credit worth up to $30 a year if you use it, which leaves $65 of the fee for rewards and perks to cover. Count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Choice Privileges Select Welcome Bonus
Earn 60,000 points after spending $3,000 in 3 months
Offer history
- Usual
- 60K points
- Highest seen
- 60K points
Tracked since Nov 2024
Choice Privileges Select Statement Credits and When They Reset
- Trusted Traveler Program Application Fee Credit$120 / 4yrTrackableEnrollment required
Get a statement credit of up to $120 to cover a Global Entry or TSA PreCheck application or renewal fee. Charge the fee to your Choice Privileges Select Mastercard to trigger the reimbursement. You can use this credit once every four years.
Resets: Every 4 yearsChecked Jul 4, 2026
Choice Privileges Select Travel Benefits
Travel Benefits
- Choice Privileges Milestone Rewards
Get Choice Privileges Milestone Rewards as you reach qualifying milestones during the year. Rewards may include bonus points or gift cards; check your Choice Privileges account for available milestones and how to claim them. The reward depends on the milestone reached.
Checked Oct 7, 2026
Hotel Status
- Automatic Platinum Elite Membership
Automatically earn Choice Privileges Platinum Elite status each calendar year just by holding the card. You get 20 Elite Qualifying Nights credited to your account annually, which meets the threshold for Platinum Elite and unlocks its associated benefits.
Checked Jul 4, 2026 - Choice Privileges Elite Status Fast Track
Earn progress toward higher Choice Privileges Elite status through points earned on everyday card purchases. Use your card for purchases to build points that count toward the fast track. The upgrade depends on how many qualifying points you earn; a higher tier is not automatic.
Checked Oct 7, 2026
More Choice Privileges Select Card Benefits
Bonus Earnings
- 10X Points on Choice Hotels Stays10x points
Earn 10 points per $1 spent on stays at participating Choice Hotels properties and on Choice Privileges point purchases.
Checked Sep 14, 2026 - 30,000 Choice Privileges Anniversary Bonus Points30,000 pts / yrTrackable
Earn 30,000 bonus points every account anniversary, enough to redeem up to 3 reward nights at Choice Hotels properties, when the account remains open, not delinquent, and not in default at award time.
Resets: Card anniversaryChecked Sep 14, 2026 - 5X Points on Gas, Groceries, Home Improvement, and Phone Plans5x points
Earn 5 points per $1 spent at gas stations, grocery stores, home improvement stores, and on phone plan services.
Checked Oct 1, 2026 - 1X Points on Other Purchases1x points
Earn 1 point per $1 on every purchase that does not qualify for a higher bonus category.
Checked Sep 14, 2026
Purchase Protection
- Cellular Telephone Protection
Get coverage for theft or damage to your cell phone, up to $800 per approved claim. Pay your monthly cell phone bill with your Choice Privileges Select Mastercard to use the coverage. A $25 deductible applies, and claims are subject to the plan’s terms.
Checked Oct 7, 2026
Concierge & Membership
- Mastercard World Elite Benefits
Access a suite of Mastercard World Elite perks, including enhanced security features, a 24/7 concierge service, travel and lifestyle offers, and curated merchant deals. Benefits are available to all Choice Privileges Select Mastercard holders and are managed through Mastercard.
Checked Jul 4, 2026
Fees & Miscellaneous
- No Foreign Transaction Fee
Pay no foreign currency conversion fee when you use your card for purchases processed in a currency other than U.S. dollars. This applies automatically anywhere the card is accepted internationally - no opt-in required.
Checked Jul 4, 2026
Choice Privileges Select vs Other Wells Fargo Cards
- Wells Fargo Autograph Journey$95 / yr
- Expedia One Key+$99 / yr
- Choice PrivilegesNo annual fee
- Wells Fargo Active CashNo annual fee
Related credit card guides
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Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Choice Privileges Select FAQs
Is the Choice Privileges Select Mastercard worth the annual fee?
Compare Choice Privileges Select'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 does Creddy list for Choice Privileges Select Mastercard?
Creddy's September 26, 2026 catalog lists Trusted Traveler Program Application Fee Credit, 30,000 Choice Privileges Anniversary Bonus Points for Choice Privileges Select. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Wells Fargo. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Choice Privileges Select Mastercard?
Creddy's catalog lists a $95 annual fee for Choice Privileges Select 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 Select Mastercard come with a welcome bonus?
Welcome offers for Choice Privileges Select 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 Select Mastercard?
Choice Privileges Select 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 Select Mastercard compare to other Wells Fargo cards?
Compare Choice Privileges Select 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.