Choice Privileges Mastercard®
Wells Fargo
No Annual Fee
Annual Fee
mastercardGoodhotelno-annual-fee6 months ago
Welcome Offer
60,000 pts(≈ $360)Spend $1,000 within 3 months
OpenCard analysis
Is the Choice Privileges Mastercard right for you?
The Choice Privileges Mastercard is a no-annual-fee Choice Privileges card from Wells Fargo. Its strongest everyday earning is 10x on Choice Hotels, with 1x on most other purchases. With no fee, the question is simply whether 10x on Choice Hotels beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on Choice Hotels, where it earns 10x
- ✓ Regular Choice Privileges customers who will redeem with that program
- ✓ Anyone who wants Choice Hotels rewards without paying an annual fee
Who should skip it
- — People who want a set-and-forget card
- — People with no loyalty to Choice Privileges
- — Heavy spenders outside Choice Hotels — everything else earns 1x
First-year value estimate
Welcome bonus
$360
Rewards on spending
$234
Annual fee (year 1)
−$0
Year 1, before credits
$594
Year two, without the welcome bonus: about $234 before credits ($234 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Choice Hotels (10x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
- Rewards valued at 0.6¢ per Choice Privileges (OpenCard valuation; cash-out value can be lower).
- Welcome bonus: 60,000 Choice Privileges at 0.6¢ each (OpenCard valuation) ≈ $360.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.
How it compares
Hilton Honors American Express →
American Express, same $0 annual fee; earns 7x on hotels.
IHG One Rewards →
Chase, same $0 annual fee; earns 17x on IHG Hotels & Resorts.
Marriott Bonvoy Bold →
Chase, same $0 annual fee; earns 14x on Marriott Bonvoy Hotels.
Rules and gotchas
- The welcome bonus requires $1,000 in 3 months — roughly $333 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the Choice Privileges Mastercard have an annual fee?
- No. Our record lists a $0 annual fee for the Choice Privileges Mastercard.
- What does the Choice Privileges Mastercard earn?
- 10x on Choice Hotels, 3x on Gas Stations, 2x on dining, and 1x on other purchases.
- Is the Choice Privileges Mastercard worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Choice Hotels), the first year comes out around $594 before credits, including a welcome bonus valued at $360. Year two drops to about $234 before credits.
- What credit do I need for the Choice Privileges Mastercard?
- Our record lists "Good" credit as the typical target for the Choice Privileges Mastercard. Wells Fargo makes the final decision based on its own criteria.
Earning Rates
10×Choice Hotels10x points on Choice Hotels stays
3×Gas Stations3x points on gas station purchases
2×Dining2x points on dining purchases
1×All Other Purchases1x point on all other purchases
Other Benefits
Other Benefits
Automatic Gold status
Automatic Choice Privileges Gold status (15% point bonus on stays)
Cell phone protection
Cell phone protection up to $600
Insurance
Rental InsuranceSecondary
Purchase Protection
Extended Warranty
Sources
Last Updated: Apr 16, 2026