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Earn 10X at 7,500 Choice Hotels plus 30,000 annual bonus points
Earn 10X points at Choice Hotels and 5X on gas, groceries, and home improvement with a $95 annual fee. Get $300 in annual value through a $120 Global Entry/TSA PreCheck credit, 30,000 anniversary points, and automatic Platinum Elite status with 25% bonus points on stays. Transfer points to 6 airline partners for 0.7+ cents each.
$95
Annual Fee
60,000
Hotel · Welcome Bonus
10X
Top Rate
Annual Fee
$95
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 to Excellent
Welcome Offer
60,000
Hotel
Spend $3,000 in the first 3 months
Earn 60,000 bonus points after $3,000 in purchases within your first 3 months. Combined with your anniversary bonus, you'll earn 90,000 points in your first year — enough for 12+ award nights at standard Choice properties or round-trip flights via transfer partners.
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
The Choice Privileges Select delivers 10X at Choice Hotels (7,500+ properties) and 5X on everyday categories. With a $95 annual fee, you earn 30,000 anniversary points and $120 in credits while maintaining Platinum Elite status at Choice.
Details & Terms
| Purchase APR | 19.99%–28.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Earn 10X at 7,500 Choice Hotels plus 30,000 annual bonus points
Earn 10X points at Choice Hotels and 5X on gas, groceries, and home improvement with a $95 annual fee. Get $300 in annual value through a $120 Global Entry/TSA PreCheck credit, 30,000 anniversary points, and automatic Platinum Elite status with 25% bonus points on stays. Transfer points to 6 airline partners for 0.7+ cents each.
$95
Annual Fee
60,000
Hotel · Welcome Bonus
10X
Top Rate
Annual Fee
$95
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 to Excellent
Welcome Offer
60,000
Hotel
Spend $3,000 in the first 3 months
Earn 60,000 bonus points after $3,000 in purchases within your first 3 months. Combined with your anniversary bonus, you'll earn 90,000 points in your first year — enough for 12+ award nights at standard Choice properties or round-trip flights via transfer partners.
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
The Choice Privileges Select delivers 10X at Choice Hotels (7,500+ properties) and 5X on everyday categories. With a $95 annual fee, you earn 30,000 anniversary points and $120 in credits while maintaining Platinum Elite status at Choice.
Details & Terms
| Purchase APR | 19.99%–28.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Earn 10X at 7,500 Choice Hotels plus 30,000 annual bonus points
Earn 10X points at Choice Hotels and 5X on gas, groceries, and home improvement with a $95 annual fee. Get $300 in annual value through a $120 Global Entry/TSA PreCheck credit, 30,000 anniversary points, and automatic Platinum Elite status with 25% bonus points on stays. Transfer points to 6 airline partners for 0.7+ cents each.
$95
Annual Fee
60,000
Hotel · Welcome Bonus
10X
Top Rate
Annual Fee
$95
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 to Excellent
Welcome Offer
60,000
Hotel
Spend $3,000 in the first 3 months
Earn 60,000 bonus points after $3,000 in purchases within your first 3 months. Combined with your anniversary bonus, you'll earn 90,000 points in your first year — enough for 12+ award nights at standard Choice properties or round-trip flights via transfer partners.
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
The Choice Privileges Select delivers 10X at Choice Hotels (7,500+ properties) and 5X on everyday categories. With a $95 annual fee, you earn 30,000 anniversary points and $120 in credits while maintaining Platinum Elite status at Choice.
Details & Terms
| Purchase APR | 19.99%–28.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Choice Hotels | 10X | Core | direct | None | |
| Choice Privileges | 10X | Core | any | None | |
| Gas Stations | 5X | Core | any | None | |
| Grocery Stores | 5X | Core | any | None | |
| Home Improvement | 5X | Core | any | None | |
| Phone Plans | 5X | Core | any | None | |
| Telecom | 5X | Core | any | None | |
| All Other | 1X | Base | any | None |
Earn 10 points per dollar at all Choice Hotels brands including Cambria, Radisson, Radisson Blu, The Ascend Collection, Quality Inns, Comfort Inns, MainStay Suites, Suburban Extended Stay, and others. With Platinum Elite, earn bonus points on top of base and category multipliers.
Spend $5,000 annually on Choice Hotels: earn 50,000 points (worth $300 in hotel stays or transfers)
Earn 5 points per dollar at all U.S. and international gas stations. No caps or restrictions — earn consistently on every fill-up throughout the year.
Spend $1,500 annually on gas: earn 7,500 points (worth $45 in hotels or transfers)
Earn 5 points per dollar at supermarkets and grocery chains, excluding warehouse clubs. Includes Whole Foods, traditional grocers, and online grocery delivery.
Spend $3,000 annually on groceries: earn 15,000 points (worth $90 in hotels or transfers)
Earn 5 points per dollar at Home Depot, Lowe's, and other home improvement retailers. No category caps — maximize rewards on renovation projects and regular maintenance.
Spend $2,000 annually on home improvements: earn 10,000 points (worth $60 in hotels or transfers)
Earn 5 points per dollar on wireless phone plan payments. Includes monthly carrier bills for AT&T, Verizon, T-Mobile, and regional providers when paid by card.
Pay $600 annually in phone plans: earn 3,000 points (worth $18 in rewards)
Earn 1 point per dollar on any purchase not in the above categories with no annual caps. Consistent rewards on everything else you buy.
Spend $10,000 monthly on other purchases: earn 120,000 points annually (worth $720 in hotels or transfers)
Total face value: $120
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $120 Global Entry/TSA PreCheck credit | $120/Every 4 years | Travel | Every 4 years | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $2.50/mo transit credit | — | Transit & Rideshare | — |
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.
Automatic Choice Privileges Platinum Elite status with 25% bonus points on stays, 20 Elite Qualifying Nights, and upgrade benefits.
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Protection against damage or theft with just $25 deductible when you pay your monthly phone 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.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| 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
$72
Annual Fee
-$95
Net Annual Value
-$23
The Points Guy's comprehensive review highlighting elite status grants, annual bonus points, and the card's value for frequent hotel travelers.
LendingTree's comprehensive guide to the Choice Privileges rewards program, explaining elite tiers, point earning, and redemption best practices.
Upgraded Points comprehensive review of the Choice Privileges Select with focus on points earning, elite benefits, and redemption strategies at Choice Hotels.
U.S. News review of the Wells Fargo Choice Privileges Select card with 2026 benefits update, annual fees, and cardholder suitability analysis.
NerdWallet's detailed review comparing the Choice Privileges Select to other hotel credit cards, with analysis of the $95 annual fee and elite night benefits.
Official Wells Fargo landing page for the Choice Privileges Select Mastercard with complete benefit details, earn rates, and application information.
Official Wells Fargo Guide to Benefits document detailing all insurance coverage, protections, and cardholder benefits for the Choice Privileges Select.
WalletHub's review covering the Choice Privileges Mastercard program benefits and how the Select tier compares to other versions.
Choice Hotels press release announcing the Choice Privileges Select Mastercard's recognition as one of MONEY.com's top credit cards for 2025.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Choice Hotels | 10X | Core | direct | None | |
| Choice Privileges | 10X | Core | any | None | |
| Gas Stations | 5X | Core | any | None | |
| Grocery Stores | 5X | Core | any | None | |
| Home Improvement | 5X | Core | any | None | |
| Phone Plans | 5X | Core | any | None | |
| Telecom | 5X | Core | any | None | |
| All Other | 1X | Base | any | None |
Earn 10 points per dollar at all Choice Hotels brands including Cambria, Radisson, Radisson Blu, The Ascend Collection, Quality Inns, Comfort Inns, MainStay Suites, Suburban Extended Stay, and others. With Platinum Elite, earn bonus points on top of base and category multipliers.
Spend $5,000 annually on Choice Hotels: earn 50,000 points (worth $300 in hotel stays or transfers)
Earn 5 points per dollar at all U.S. and international gas stations. No caps or restrictions — earn consistently on every fill-up throughout the year.
Spend $1,500 annually on gas: earn 7,500 points (worth $45 in hotels or transfers)
Earn 5 points per dollar at supermarkets and grocery chains, excluding warehouse clubs. Includes Whole Foods, traditional grocers, and online grocery delivery.
Spend $3,000 annually on groceries: earn 15,000 points (worth $90 in hotels or transfers)
Earn 5 points per dollar at Home Depot, Lowe's, and other home improvement retailers. No category caps — maximize rewards on renovation projects and regular maintenance.
Spend $2,000 annually on home improvements: earn 10,000 points (worth $60 in hotels or transfers)
Earn 5 points per dollar on wireless phone plan payments. Includes monthly carrier bills for AT&T, Verizon, T-Mobile, and regional providers when paid by card.
Pay $600 annually in phone plans: earn 3,000 points (worth $18 in rewards)
Earn 1 point per dollar on any purchase not in the above categories with no annual caps. Consistent rewards on everything else you buy.
Spend $10,000 monthly on other purchases: earn 120,000 points annually (worth $720 in hotels or transfers)
Total face value: $120
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $120 Global Entry/TSA PreCheck credit | $120/Every 4 years | Travel | Every 4 years | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $2.50/mo transit credit | — | Transit & Rideshare | — |
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.
Automatic Choice Privileges Platinum Elite status with 25% bonus points on stays, 20 Elite Qualifying Nights, and upgrade benefits.
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Protection against damage or theft with just $25 deductible when you pay your monthly phone 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.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| 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
$72
Annual Fee
-$95
Net Annual Value
-$23
The Points Guy's comprehensive review highlighting elite status grants, annual bonus points, and the card's value for frequent hotel travelers.
LendingTree's comprehensive guide to the Choice Privileges rewards program, explaining elite tiers, point earning, and redemption best practices.
Upgraded Points comprehensive review of the Choice Privileges Select with focus on points earning, elite benefits, and redemption strategies at Choice Hotels.
U.S. News review of the Wells Fargo Choice Privileges Select card with 2026 benefits update, annual fees, and cardholder suitability analysis.
NerdWallet's detailed review comparing the Choice Privileges Select to other hotel credit cards, with analysis of the $95 annual fee and elite night benefits.
Official Wells Fargo landing page for the Choice Privileges Select Mastercard with complete benefit details, earn rates, and application information.
Official Wells Fargo Guide to Benefits document detailing all insurance coverage, protections, and cardholder benefits for the Choice Privileges Select.
WalletHub's review covering the Choice Privileges Mastercard program benefits and how the Select tier compares to other versions.
Choice Hotels press release announcing the Choice Privileges Select Mastercard's recognition as one of MONEY.com's top credit cards for 2025.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Choice Hotels | 10X | Core | direct | None | |
| Choice Privileges | 10X | Core | any | None | |
| Gas Stations | 5X | Core | any | None | |
| Grocery Stores | 5X | Core | any | None | |
| Home Improvement | 5X | Core | any | None | |
| Phone Plans | 5X | Core | any | None | |
| Telecom | 5X | Core | any | None | |
| All Other | 1X | Base | any | None |
Earn 10 points per dollar at all Choice Hotels brands including Cambria, Radisson, Radisson Blu, The Ascend Collection, Quality Inns, Comfort Inns, MainStay Suites, Suburban Extended Stay, and others. With Platinum Elite, earn bonus points on top of base and category multipliers.
Spend $5,000 annually on Choice Hotels: earn 50,000 points (worth $300 in hotel stays or transfers)
Earn 5 points per dollar at all U.S. and international gas stations. No caps or restrictions — earn consistently on every fill-up throughout the year.
Spend $1,500 annually on gas: earn 7,500 points (worth $45 in hotels or transfers)
Earn 5 points per dollar at supermarkets and grocery chains, excluding warehouse clubs. Includes Whole Foods, traditional grocers, and online grocery delivery.
Spend $3,000 annually on groceries: earn 15,000 points (worth $90 in hotels or transfers)
Earn 5 points per dollar at Home Depot, Lowe's, and other home improvement retailers. No category caps — maximize rewards on renovation projects and regular maintenance.
Spend $2,000 annually on home improvements: earn 10,000 points (worth $60 in hotels or transfers)
Earn 5 points per dollar on wireless phone plan payments. Includes monthly carrier bills for AT&T, Verizon, T-Mobile, and regional providers when paid by card.
Pay $600 annually in phone plans: earn 3,000 points (worth $18 in rewards)
Earn 1 point per dollar on any purchase not in the above categories with no annual caps. Consistent rewards on everything else you buy.
Spend $10,000 monthly on other purchases: earn 120,000 points annually (worth $720 in hotels or transfers)
Total face value: $120
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $120 Global Entry/TSA PreCheck credit | $120/Every 4 years | Travel | Every 4 years | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $2.50/mo transit credit | — | Transit & Rideshare | — |
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.
Automatic Choice Privileges Platinum Elite status with 25% bonus points on stays, 20 Elite Qualifying Nights, and upgrade benefits.
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Protection against damage or theft with just $25 deductible when you pay your monthly phone 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.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| 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
$72
Annual Fee
-$95
Net Annual Value
-$23
The Points Guy's comprehensive review highlighting elite status grants, annual bonus points, and the card's value for frequent hotel travelers.
LendingTree's comprehensive guide to the Choice Privileges rewards program, explaining elite tiers, point earning, and redemption best practices.
Upgraded Points comprehensive review of the Choice Privileges Select with focus on points earning, elite benefits, and redemption strategies at Choice Hotels.
U.S. News review of the Wells Fargo Choice Privileges Select card with 2026 benefits update, annual fees, and cardholder suitability analysis.
NerdWallet's detailed review comparing the Choice Privileges Select to other hotel credit cards, with analysis of the $95 annual fee and elite night benefits.
Official Wells Fargo landing page for the Choice Privileges Select Mastercard with complete benefit details, earn rates, and application information.
Official Wells Fargo Guide to Benefits document detailing all insurance coverage, protections, and cardholder benefits for the Choice Privileges Select.
WalletHub's review covering the Choice Privileges Mastercard program benefits and how the Select tier compares to other versions.
Choice Hotels press release announcing the Choice Privileges Select Mastercard's recognition as one of MONEY.com's top credit cards for 2025.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
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