Is the Choice Privileges Select Mastercard worth the higher annual fee?

The Choice Privileges Select Mastercard costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Choice Privileges Select Mastercard or U.S. Bank Cash+® Visa Signature® Card?

The Choice Privileges Select Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Is the Choice Privileges Select Mastercard worth the higher annual fee?

The Choice Privileges Select Mastercard costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Choice Privileges Select Mastercard or U.S. Bank Cash+® Visa Signature® Card?

The Choice Privileges Select Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Is the Choice Privileges Select Mastercard worth the higher annual fee?

The Choice Privileges Select Mastercard costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Choice Privileges Select Mastercard or U.S. Bank Cash+® Visa Signature® Card?

The Choice Privileges Select Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

Choice Privileges Select Mastercard vs U.S. Bank Cash+® Visa Signature® Card

The U.S. Bank Cash+® Visa Signature® Card ($0/yr) is better for everyday value, while the Choice Privileges Select Mastercard ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Choice Privileges Select Mastercard

Wells Fargo

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

60,000 Hotel

—

Earn Rates

Category	Choice Privileges Select Mastercard	U.S. Bank Cash+® Visa Signature® Card
Choice Hotels	10X	1X

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 7 of 12 categories. The Choice Privileges Select Mastercard leads in 5.

Choice Hotels

Choice Privileges Select Mastercard earns 10X vs 1X

Choice Privileges

Choice Privileges Select Mastercard earns 10X vs 1X

Gas Stations

Choice Privileges Select Mastercard earns 5X vs 2X

Grocery Stores

Choice Privileges Select Mastercard earns 5X vs 2X

Phone Plans

Choice Privileges Select Mastercard earns 5X vs 1X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Transit

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Fitness & Gyms

The Bottom Line

The U.S. Bank Cash+® Visa Signature® Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the U.S. Bank Cash+® Visa Signature® Card if you want solid rewards with a lower cost of entry. Choose the Choice Privileges Select Mastercard if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Choice Privileges Select Mastercard worth the higher annual fee?: The Choice Privileges Select Mastercard costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Choice Privileges Select Mastercard or U.S. Bank Cash+® Visa Signature® Card?: The Choice Privileges Select Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Choice Privileges Select Mastercard or the U.S. Bank Cash+® Visa Signature® Card?: Choose the U.S. Bank Cash+® Visa Signature® Card if you want lower fees and solid rewards. Pick the Choice Privileges Select Mastercard if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Choice Privileges Select Mastercard — Full Review All Wells Fargo Cards

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards · U.S. Bank cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Choice Privileges Select Mastercard vs U.S. Bank Cash+® Visa Signature® Card

Choice Privileges Select Mastercard

Wells Fargo

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

60,000 Hotel

—

Earn Rates

Category	Choice Privileges Select Mastercard	U.S. Bank Cash+® Visa Signature® Card
Choice Hotels	10X	1X

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 7 of 12 categories. The Choice Privileges Select Mastercard leads in 5.

Choice Hotels

Choice Privileges Select Mastercard earns 10X vs 1X

Choice Privileges

Choice Privileges Select Mastercard earns 10X vs 1X

Gas Stations

Choice Privileges Select Mastercard earns 5X vs 2X

Grocery Stores

Choice Privileges Select Mastercard earns 5X vs 2X

Phone Plans

Choice Privileges Select Mastercard earns 5X vs 1X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Transit

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Fitness & Gyms

The Bottom Line

The U.S. Bank Cash+® Visa Signature® Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Choice Privileges Select Mastercard worth the higher annual fee?: The Choice Privileges Select Mastercard costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Choice Privileges Select Mastercard or U.S. Bank Cash+® Visa Signature® Card?: The Choice Privileges Select Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Choice Privileges Select Mastercard or the U.S. Bank Cash+® Visa Signature® Card?: Choose the U.S. Bank Cash+® Visa Signature® Card if you want lower fees and solid rewards. Pick the Choice Privileges Select Mastercard if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Choice Privileges Select Mastercard — Full Review All Wells Fargo Cards

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards · U.S. Bank cards

Choice Privileges Select Mastercard vs U.S. Bank Cash+® Visa Signature® Card

Choice Privileges Select Mastercard

Wells Fargo

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

60,000 Hotel

—

Earn Rates

Category	Choice Privileges Select Mastercard	U.S. Bank Cash+® Visa Signature® Card
Choice Hotels	10X	1X

Category-by-Category Winner

The U.S. Bank Cash+® Visa Signature® Card wins in 7 of 12 categories. The Choice Privileges Select Mastercard leads in 5.

Choice Hotels

Choice Privileges Select Mastercard earns 10X vs 1X

Choice Privileges

Choice Privileges Select Mastercard earns 10X vs 1X

Gas Stations

Choice Privileges Select Mastercard earns 5X vs 2X

Grocery Stores

Choice Privileges Select Mastercard earns 5X vs 2X

Phone Plans

Choice Privileges Select Mastercard earns 5X vs 1X

Streaming

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Entertainment

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Transit

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Fitness & Gyms

The Bottom Line

The U.S. Bank Cash+® Visa Signature® Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Frequently Asked Questions

Is the Choice Privileges Select Mastercard worth the higher annual fee?: The Choice Privileges Select Mastercard costs $95/yr vs $0/yr for the U.S. Bank Cash+® Visa Signature® Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Choice Privileges Select Mastercard or U.S. Bank Cash+® Visa Signature® Card?: The Choice Privileges Select Mastercard has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Choice Privileges Select Mastercard or the U.S. Bank Cash+® Visa Signature® Card?: Choose the U.S. Bank Cash+® Visa Signature® Card if you want lower fees and solid rewards. Pick the Choice Privileges Select Mastercard if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Choice Privileges Select Mastercard — Full Review All Wells Fargo Cards

U.S. Bank Cash+® Visa Signature® Card — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Wells Fargo cards · U.S. Bank cards

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

✓Global Entry credit

None

Pros & Cons

Pros

+Automatic Platinum Elite status with meaningful benefits
+Industry-leading 10x earning at Choice Hotels
+Strong 5x earning on gas, grocery, home improvement, and phone plans
+30,000 anniversary bonus points (worth ~$180 in stays)
+20 elite night credits annually

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−$95 annual fee that may be hard to justify for occasional guests
−Higher $3,000 spend requirement for welcome bonus vs no-fee card
−Choice Hotels limited to economy and midscale properties
−Points value relatively low compared to premium hotel programs
−No lounge access or premium travel benefits

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
−3% foreign transaction fee
−Base rate only 1% on non-category spend

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Department Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Electronic Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Dining

U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Choice Privileges Select Mastercard costs $95/yr — that's $95 more than the U.S. Bank Cash+® Visa Signature® Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

The Choice Privileges Select Mastercard offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $95 difference is small enough that the Choice Privileges Select Mastercard's extra perks make it worth considering for most cardholders.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing U.S. Bank Cash+® Visa Signature® Card means losing:

-Global Entry credit

Which Card Is Right for You?

Get the U.S. Bank Cash+® Visa Signature® Card if you:

+Spend $300+/month on restaurants and dining out
+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

✓Global Entry credit

None

Pros & Cons

Pros

+Automatic Platinum Elite status with meaningful benefits
+Industry-leading 10x earning at Choice Hotels
+Strong 5x earning on gas, grocery, home improvement, and phone plans
+30,000 anniversary bonus points (worth ~$180 in stays)
+20 elite night credits annually

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−$95 annual fee that may be hard to justify for occasional guests
−Higher $3,000 spend requirement for welcome bonus vs no-fee card
−Choice Hotels limited to economy and midscale properties
−Points value relatively low compared to premium hotel programs
−No lounge access or premium travel benefits

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
−3% foreign transaction fee
−Base rate only 1% on non-category spend

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Department Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Electronic Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Dining

U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Choice Privileges Select Mastercard offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $95 difference is small enough that the Choice Privileges Select Mastercard's extra perks make it worth considering for most cardholders.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing U.S. Bank Cash+® Visa Signature® Card means losing:

-Global Entry credit

Which Card Is Right for You?

Get the U.S. Bank Cash+® Visa Signature® Card if you:

+Spend $300+/month on restaurants and dining out
+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

✓Global Entry credit

None

Pros & Cons

Pros

+Automatic Platinum Elite status with meaningful benefits
+Industry-leading 10x earning at Choice Hotels
+Strong 5x earning on gas, grocery, home improvement, and phone plans
+30,000 anniversary bonus points (worth ~$180 in stays)
+20 elite night credits annually

+5% cash back on two categories of your choice (from 12+ options)
+2% on one everyday category (dining, gas, or grocery)
+No annual fee
+Visa Signature benefits
+$200 welcome bonus

Cons

−$95 annual fee that may be hard to justify for occasional guests
−Higher $3,000 spend requirement for welcome bonus vs no-fee card
−Choice Hotels limited to economy and midscale properties
−Points value relatively low compared to premium hotel programs
−No lounge access or premium travel benefits

−Must select 5% categories each quarter (defaults to 1% if forgotten)
−$2,000 combined quarterly cap on 5% categories
−3% foreign transaction fee
−Base rate only 1% on non-category spend

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Department Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Electronic Stores

U.S. Bank Cash+® Visa Signature® Card earns 5X vs 1X

Dining

U.S. Bank Cash+® Visa Signature® Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Choice Privileges Select Mastercard offers Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $95 difference is small enough that the Choice Privileges Select Mastercard's extra perks make it worth considering for most cardholders.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing U.S. Bank Cash+® Visa Signature® Card means losing:

-Global Entry credit

Which Card Is Right for You?

Get the U.S. Bank Cash+® Visa Signature® Card if you:

+Spend $300+/month on restaurants and dining out
+Want strong rewards without a large annual fee commitment