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Earn 5X points on Choice Hotels stays with $0 annual fee and automatic Gold Elite status
The Choice Privileges Mastercard delivers 60,000 bonus points (up to 7 free nights) after just $1,000 in spending, plus automatic Gold Elite status and 10 elite night credits annually — all with no annual fee. Earn 5X points at Choice Hotels and 3X on gas, groceries, home improvement, and phone plans.
$0
Annual Fee
60,000
Hotel · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Choice Privileges Points
Point Valuation
0.5–0.8 cpp (mid: 0.6)
Credit Required
Good
Welcome Offer
60,000
Hotel
Spend $1,000 in the first 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Choice Hotels | 5X | Core | direct | None | |
| Choice Privileges | 5X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Home Improvement | 3X | Core | any | None | |
| Phone Plans | 3X | Core | any | None | |
| Telecom | 3X | Core | any | None | |
| All Other | 1X | Base | any | None |
A $150/night stay earns 750 Choice Privileges points per night
Spending $200/month on gas earns 600 points monthly — 7,200 points per year
$500/month in groceries earns 1,500 points monthly — 18,000 points per year
A $2,000 renovation supply run earns 6,000 Choice Privileges points
A $100/month family phone plan earns 300 points monthly — plus activates cell phone protection
$1,000 in other monthly spending earns 1,000 points
Benefits & Perks
Program & Transfers
Stay more, unlock more.
Choice Privileges is a hotel loyalty program designed to reward paid stays and partner activity with points-based value. The program includes 5 membership levels (Member, Gold, Platinum, Diamond, Titanium) with incremental benefits as activity grows. In 2026, the program introduced the new Titanium elite tier and Elite Qualifying Credits (EQCs) system, making elite status easier to achieve while rewarding frequent travelers with higher perks. Members can earn through qualifying stays, credit card spending, and partner activity, then redeem for free nights, experiences, and other rewards. For elite members, points never expire.
Reviews & Analysis
Details & Terms
| Purchase APR | 17.68%–23.93% (Variable) |
| Cash Advance APR | 23.93% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Earn 5X points on Choice Hotels stays with $0 annual fee and automatic Gold Elite status
The Choice Privileges Mastercard delivers 60,000 bonus points (up to 7 free nights) after just $1,000 in spending, plus automatic Gold Elite status and 10 elite night credits annually — all with no annual fee. Earn 5X points at Choice Hotels and 3X on gas, groceries, home improvement, and phone plans.
$0
Annual Fee
60,000
Hotel · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Choice Privileges Points
Point Valuation
0.5–0.8 cpp (mid: 0.6)
Credit Required
Good
Welcome Offer
60,000
Hotel
Spend $1,000 in the first 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Choice Hotels | 5X | Core | direct | None | |
| Choice Privileges | 5X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Home Improvement | 3X | Core | any | None | |
| Phone Plans | 3X | Core | any | None | |
| Telecom | 3X | Core | any | None | |
| All Other | 1X | Base | any | None |
A $150/night stay earns 750 Choice Privileges points per night
Spending $200/month on gas earns 600 points monthly — 7,200 points per year
$500/month in groceries earns 1,500 points monthly — 18,000 points per year
A $2,000 renovation supply run earns 6,000 Choice Privileges points
A $100/month family phone plan earns 300 points monthly — plus activates cell phone protection
$1,000 in other monthly spending earns 1,000 points
Benefits & Perks
Program & Transfers
Stay more, unlock more.
Choice Privileges is a hotel loyalty program designed to reward paid stays and partner activity with points-based value. The program includes 5 membership levels (Member, Gold, Platinum, Diamond, Titanium) with incremental benefits as activity grows. In 2026, the program introduced the new Titanium elite tier and Elite Qualifying Credits (EQCs) system, making elite status easier to achieve while rewarding frequent travelers with higher perks. Members can earn through qualifying stays, credit card spending, and partner activity, then redeem for free nights, experiences, and other rewards. For elite members, points never expire.
Reviews & Analysis
Details & Terms
| Purchase APR | 17.68%–23.93% (Variable) |
| Cash Advance APR | 23.93% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Earn 5X points on Choice Hotels stays with $0 annual fee and automatic Gold Elite status
The Choice Privileges Mastercard delivers 60,000 bonus points (up to 7 free nights) after just $1,000 in spending, plus automatic Gold Elite status and 10 elite night credits annually — all with no annual fee. Earn 5X points at Choice Hotels and 3X on gas, groceries, home improvement, and phone plans.
$0
Annual Fee
60,000
Hotel · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Choice Privileges Points
Point Valuation
0.5–0.8 cpp (mid: 0.6)
Credit Required
Good
Welcome Offer
60,000
Hotel
Spend $1,000 in the first 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Choice Hotels | 5X | Core | direct | None | |
| Choice Privileges | 5X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Grocery Stores | 3X | Core | any | None | |
| Home Improvement | 3X | Core | any | None | |
| Phone Plans | 3X | Core | any | None | |
| Telecom | 3X | Core | any | None | |
| All Other | 1X | Base | any | None |
A $150/night stay earns 750 Choice Privileges points per night
Spending $200/month on gas earns 600 points monthly — 7,200 points per year
$500/month in groceries earns 1,500 points monthly — 18,000 points per year
A $2,000 renovation supply run earns 6,000 Choice Privileges points
A $100/month family phone plan earns 300 points monthly — plus activates cell phone protection
$1,000 in other monthly spending earns 1,000 points
Benefits & Perks
Program & Transfers
Stay more, unlock more.
Choice Privileges is a hotel loyalty program designed to reward paid stays and partner activity with points-based value. The program includes 5 membership levels (Member, Gold, Platinum, Diamond, Titanium) with incremental benefits as activity grows. In 2026, the program introduced the new Titanium elite tier and Elite Qualifying Credits (EQCs) system, making elite status easier to achieve while rewarding frequent travelers with higher perks. Members can earn through qualifying stays, credit card spending, and partner activity, then redeem for free nights, experiences, and other rewards. For elite members, points never expire.
Reviews & Analysis
Details & Terms
| Purchase APR | 17.68%–23.93% (Variable) |
| Cash Advance APR | 23.93% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $5 credit + 10% airport savings | — | credits | — | |
| $3 off Peacock Monthly | — | Streaming | — | |
| $2.50 monthly transit credit | — | credits | — | |
| 3 months free + $10 monthly credits | — | grocery | — |
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Gold Elite status grants 10% bonus points on stays, early check-in, late checkout, welcome gifts, and elite parking.
Covers damage or theft of your cell phone with just a $25 deductible when you pay your monthly bill with the card.
Deductible: 25
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Europe properties (20K or fewer points) | 8,000–20,000 | — | — | — |
| Japan properties (20K or fewer points) | 8,000–20,000 | — | — | — |
| Myrtle Beach weekend nights (15K or fewer) | 8,000–15,000 | — | — | — |
| RewardSaver rates (as low as 6K points) | 6,000–15,000 | — | — | — |
| Preferred Hotels & Resorts (25K-50K points) | 25,000–50,000 | — | — | — |
| Points Plus Cash combo deals | 6,000–25,000 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Detailed review covering card benefits, Gold Elite status, cell phone protection, and how to maximize rewards. Rates the card 3 out of 5 for Choice loyalists wanting no annual fee.
Comprehensive review covering welcome bonus, benefits, earning rates, and comparison to alternatives. TPG rates it 3 out of 5 stars.
U.S. News review highlighting automatic Gold Elite status, elevated rewards, and cellphone protection. Rated 4.2 out of 5 for travelers who frequently stay with Choice Hotels.
Business Insider review comparing the card to other no-annual-fee hotel cards including Hilton Honors and Marriott Bonvoy Bold. Covers World Elite Mastercard benefits, cell phone protection, and redemption options.
Comprehensive guide to the Choice Privileges loyalty program, including how to earn and redeem points and strategies for maximizing value with the Choice Privileges Mastercard.
Doctor of Credit coverage of the Wells Fargo Choice Privileges card launch, including earning rates, benefits, and comparison to the previous Barclays version.
Forbes Advisor roundup featuring the Choice Privileges Mastercard with a 3.5 star rating among Wells Fargo's credit card lineup.
WalletHub's in-depth review and user ratings of the Choice Privileges card, including editor's analysis, pros/cons, and comparison to Hilton Honors alternatives.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $5 credit + 10% airport savings | — | credits | — | |
| $3 off Peacock Monthly | — | Streaming | — | |
| $2.50 monthly transit credit | — | credits | — | |
| 3 months free + $10 monthly credits | — | grocery | — |
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Gold Elite status grants 10% bonus points on stays, early check-in, late checkout, welcome gifts, and elite parking.
Covers damage or theft of your cell phone with just a $25 deductible when you pay your monthly bill with the card.
Deductible: 25
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Europe properties (20K or fewer points) | 8,000–20,000 | — | — | — |
| Japan properties (20K or fewer points) | 8,000–20,000 | — | — | — |
| Myrtle Beach weekend nights (15K or fewer) | 8,000–15,000 | — | — | — |
| RewardSaver rates (as low as 6K points) | 6,000–15,000 | — | — | — |
| Preferred Hotels & Resorts (25K-50K points) | 25,000–50,000 | — | — | — |
| Points Plus Cash combo deals | 6,000–25,000 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Detailed review covering card benefits, Gold Elite status, cell phone protection, and how to maximize rewards. Rates the card 3 out of 5 for Choice loyalists wanting no annual fee.
Comprehensive review covering welcome bonus, benefits, earning rates, and comparison to alternatives. TPG rates it 3 out of 5 stars.
U.S. News review highlighting automatic Gold Elite status, elevated rewards, and cellphone protection. Rated 4.2 out of 5 for travelers who frequently stay with Choice Hotels.
Business Insider review comparing the card to other no-annual-fee hotel cards including Hilton Honors and Marriott Bonvoy Bold. Covers World Elite Mastercard benefits, cell phone protection, and redemption options.
Comprehensive guide to the Choice Privileges loyalty program, including how to earn and redeem points and strategies for maximizing value with the Choice Privileges Mastercard.
Doctor of Credit coverage of the Wells Fargo Choice Privileges card launch, including earning rates, benefits, and comparison to the previous Barclays version.
Forbes Advisor roundup featuring the Choice Privileges Mastercard with a 3.5 star rating among Wells Fargo's credit card lineup.
WalletHub's in-depth review and user ratings of the Choice Privileges card, including editor's analysis, pros/cons, and comparison to Hilton Honors alternatives.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $5 credit + 10% airport savings | — | credits | — | |
| $3 off Peacock Monthly | — | Streaming | — | |
| $2.50 monthly transit credit | — | credits | — | |
| 3 months free + $10 monthly credits | — | grocery | — |
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Gold Elite status grants 10% bonus points on stays, early check-in, late checkout, welcome gifts, and elite parking.
Covers damage or theft of your cell phone with just a $25 deductible when you pay your monthly bill with the card.
Deductible: 25
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Europe properties (20K or fewer points) | 8,000–20,000 | — | — | — |
| Japan properties (20K or fewer points) | 8,000–20,000 | — | — | — |
| Myrtle Beach weekend nights (15K or fewer) | 8,000–15,000 | — | — | — |
| RewardSaver rates (as low as 6K points) | 6,000–15,000 | — | — | — |
| Preferred Hotels & Resorts (25K-50K points) | 25,000–50,000 | — | — | — |
| Points Plus Cash combo deals | 6,000–25,000 | — | — | — |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Detailed review covering card benefits, Gold Elite status, cell phone protection, and how to maximize rewards. Rates the card 3 out of 5 for Choice loyalists wanting no annual fee.
Comprehensive review covering welcome bonus, benefits, earning rates, and comparison to alternatives. TPG rates it 3 out of 5 stars.
U.S. News review highlighting automatic Gold Elite status, elevated rewards, and cellphone protection. Rated 4.2 out of 5 for travelers who frequently stay with Choice Hotels.
Business Insider review comparing the card to other no-annual-fee hotel cards including Hilton Honors and Marriott Bonvoy Bold. Covers World Elite Mastercard benefits, cell phone protection, and redemption options.
Comprehensive guide to the Choice Privileges loyalty program, including how to earn and redeem points and strategies for maximizing value with the Choice Privileges Mastercard.
Doctor of Credit coverage of the Wells Fargo Choice Privileges card launch, including earning rates, benefits, and comparison to the previous Barclays version.
Forbes Advisor roundup featuring the Choice Privileges Mastercard with a 3.5 star rating among Wells Fargo's credit card lineup.
WalletHub's in-depth review and user ratings of the Choice Privileges card, including editor's analysis, pros/cons, and comparison to Hilton Honors alternatives.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
