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Choice Privileges® Mastercard®

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The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 40,000 points after spending $1,000 within the first 3 months.

Bonus Value

Approximately $280

Annual Fee

$0

Card Rewards

5 points at participating Choice hotels

3 points on gas, groceries, home improvement stores, and phone and cell phone providers

1 point on all other purchases

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The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: April 16, 2024 | Credit Card Review
Card Overview

The Choice Privileges® Mastercard® earns 3 points on essential category rewards, including gas, groceries, home improvement stores, and phone providers. Don't forget the 5 points at Choice hotels, plus many great benefits such as Choice Gold status, cell phone insurance, auto rental insurance, travel accident and cancellation insurance, and more. For no annual fee.

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Max-cards: You might not qualify for a 2nd Wells Fargo credit card if you have opened a Wells Fargo card in the last 6 months
  • Credit report: Wells Fargo will usually pull your Experian credit report (in some states they pull Experian and Equifax)
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for same-day applications will be combined, but some data points suggest that credit inquiries for same-day applications will not be combined
  • Check application status: You can check your application status  here  or call 1 800 967 9521
  • Reconsideration: If declined you can call 1 866 412 5956 to have your application reconsidered
  • Quickest way to get my card: Your physical card can be expedited for a $16 fee. Wells Fargo will not offer an instant credit card number for your new card

Welcome Offer Eligibility
You are eligible to earn the bonus again even if you already earned the bonus in the past.
Card Details And Benefits
Auto Rental Collision Insurance

Secondary coverage on rentals for collision damage and theft (excluding Israel, Jamaica, the Republic of Ireland, or Northern Ireland). Coverage is for rentals for up to 15 days in the U.S. and for up to 31 days outside the U.S. Max $50,000.

Cell Phone Protection

Get reimbursed for up to $800 per claim (with a $25 deductible) if your cell phone breaks or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your Choice Privileges Mastercard. Max 2 claims per year.

Lost Luggage Reimbursement

Get up to $3,000 per trip for stolen or damaged luggage. Max of $2,000 per bag and $3,000 per trip for NY residents.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $1,000,000 in compensation.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $5,000 per person per trip, with a max of of $20,000 per year.

Upgraded Statuses

Earn 10% bonus points with elite gold membership.

Receive 10 elite nights credits which qualify for at least Gold status each calendar year.

How can the points be used?

The points can be used at approximately 0.7 cents per point to book free nights at one of the following Choice hotel brands:

  • Cambria Hotels
  • Radisson Blu
  • Radisson
  • Red Radisson
  • Ascend Hotel Collection
  • Radisson Collection
  • Radisson Individuals
  • Park Plaza By Radisson
  • Comfort
  • Country Inn & Suites By Radisson
  • Quality Inn
  • Sleep Inn
  • Clarion
  • Clarion Pointe
  • Park Inn By Radisson
  • Radisson Inn & Suites
  • EverHome Suites
  • WoodSpring Suites
  • MainStay Suites
  • Suburban Studios
  • EconoLodge
  • Rodeway Inn
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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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