Wells Fargo Choice Privileges Mastercard Review 2026
Choice Privileges Mastercard is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
See offerYou'll leave SwitchWize. Verify terms with the issuer.
SwitchWize is not paid if you apply through this link. We have no paid agreement with Wells Fargo for this card, and payment would not change how we rank cards. How we make money
Your card estimate
Net first-year value
First year
+$300
Rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
SwitchWize take
No-fee everyday card
Bonus value
See terms
Everyday rewards
1x points
Up to 5x in some categories
Annual fee
$0
APR
See terms
Quick summary
What this card is, in plain words
Choice Privileges Mastercard has no annual fee. It earns 1x points on everything else, and more on 2 categories (the highest is 5x points on participating choice hotels properties). The current welcome offer is 60,000 points after you spend $1,000 on purchases in the first 3 months, as stated on Wells Fargo's page.
What to consider
- The welcome offer needs $1,000 in purchases in the first 3 months.
Pros & cons
- No annual fee
We could not verify: regular APR.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- Not verified yet
- Balance transfer fee
- Up to 5% of each transfer (minimum $5)
- Cash advance fee
- Greater of $10 or 5% of each advance
- Late payment fee
- Up to $40
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Participating choice hotels properties
5x points
Choice privileges point purchases
5x points
Everything else
1x points
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Perks and credits
- 10% Bonus Points on Gold Elite Stays (per stay)
- 5X Points on Choice Hotels Stays (per stay)
- No Foreign Currency Conversion Fee
- Points on Choice Hotels Stays (per stay)
- Points on Choice Privileges Point Purchases
- Points on Gas, Grocery, Home Improvement, and Phone
- Points on Other Purchases
Offer history
How today's bonus compares
Current public welcome offer
40,000 points
Observed Nov 14, 2026
12-month best
$40,000
2 tracked observations
Signal
At or near tracked best
Last history update Nov 14, 2026
Current offer is near the observed high. Tracked since Nov 13, 2026, range $40,000–$40,000 across 2 tracked readings — not a signal to act by any deadline, just context on where today's offer sits historically.
Terms history
Has the fee or APR changed?
No change in annual fee or APR range detected since tracking began (Aug 22, 2026). Tracked since Aug 22, 2026 across 126 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
See issuer terms
Verify spend requirement
Wells Fargo terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
Other cards to compare first
citi
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
wells-fargo
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
chase
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
affinity-fcu
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
Questions
Common questions
What is the annual fee for the Choice Privileges Mastercard?
The Choice Privileges Mastercard has no annual fee, according to Wells Fargo's page checked Nov 14, 2026.
What is the welcome offer on the Choice Privileges Mastercard?
The offer we last saw was 60,000 points after you spend $1,000 on purchases in the first 3 months. Offers change, so confirm it on Wells Fargo's page before you apply.
How do I earn rewards with the Choice Privileges Mastercard?
5x points on participating choice hotels properties; 5x points on choice privileges point purchases; 1x points on everything else.
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://creditcards.wellsfargo.com/choice-hotel-privileges-mastercard/ · checked Nov 14, 2026
Welcome offer
https://creditcards.wellsfargo.com/ · checked Oct 7, 2026
We could not verify the foreign transaction fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Choice Privileges Mastercard worth it?
Choice Privileges Mastercard is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term