Choice Privileges Mastercard
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| 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.
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Welcome offer Choice Privileges Mastercard welcome bonus rose from 40,000 to 60,000. 2026-09-11
Signup bonus: 60,000 points after $1,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Raised from 40,000 on the issuer's page (shown as a strike-through). Bonus figure confirmed on the issuer's page 2026-09-14.
Non-cash perks
- Choice Privileges Gold Elite status
- Mastercard World Elite benefits including cellphone protection
- $0 foreign transaction fees
Does the fee earn out? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at Choice Hotels. Its largest printed rate, 5x on hotels, pays only at Choice Hotels. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Spending outside its bonus categories. Everything else earns 1x, worth about 0.6¢ per dollar at our value for Choice Privileges — less than the 1¢ a plain cash-back card pays on the same dollar. This card only wins where its bonus categories do.
Comparing cards in the same currency? See the best cards that earn Choice Privileges →
More from Wells Fargo
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: creditcards.wellsfargo.com · www.forbes.com. Spot an error? Tell us.