Choice Privileges Select Mastercard
$95 annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Gas | 5x | uncapped |
| Groceries | 5x | 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 |
10x | uncapped |
See how it ranks: best gas cards · best groceries cards.
Signup bonus: 60,000 points after $3,000 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 Elite Platinum status
- No foreign transaction fees
Does the fee earn out?
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $3,167 of gas spending at 5x (valuing Choice Privileges at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
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 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.