Choice Privileges Mastercard
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Gas | 3x | uncapped |
| Groceries | 3x | uncapped |
| Everything else | 1x | uncapped |
| Hotels at Choice Hotels only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
See how it ranks: best gas cards · best groceries cards.
Signup bonus: 40,000 points after $1,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Non-cash perks
- Choice Privileges Gold Elite status
- Mastercard World Elite benefits including cellphone protection
- $0 foreign transaction fees
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Comparing cards in the same currency? See the best cards that earn Choice Privileges →
More from Barclays
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.forbes.com. Spot an error? Tell us.