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Author - Sam
Updated: April 20, 2025 | Credit Card Review 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.
- 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
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.
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.
No Foreign Transaction Fees.
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.
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.
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.
Earn 10% bonus points with elite gold membership.
Receive 10 elite nights credits which qualify for at least Gold status each calendar year.
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
