Choice Privileges® Select Mastercard®
A $95-annual-fee miles card from Wells Fargo Bank, National Association, with a $600 signup bonus.
Wells Fargo Bank, National Association · MASTERCARD
- Annual fee
- $95
- Purchase APR
- 19.74–28.49%variable
- Signup bonus
- $600
- Foreign transaction
- None
Earn Rules
| Gas | 5x Choice |
| Grocery | 5x Choice |
| Home Improvement | 5x Choice |
| All Other | 1x Choice |
Points are converted to cash at a conservative per-program rate. Most programs publish no guaranteed cash value, so those rates are estimates of typical redemption value, not guarantees. Actual value depends on how you redeem. See how we value points →
Rates with strings attached
These apply only at a specific brand, or need something beyond how you spend, like a balance held with the issuer or a status tier. They are real, but we do not count them in the value above, which uses the rates any cardholder earns on ordinary spending.
| at participating Choice Hotels® properties | 10x Choice |
Statement Credits
Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.
| one statement credit up to $120 every four years as reimbursement for the application or renewal fee charged to your Choice Privileges® Select Mastercard®every 4 years (amortized)Source ↗ | $30/yr |
| Total credits / year we count | $30 |
The total counts each credit at face value, and only the ones reachable at this spending level.
Signup Bonus
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months1 - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees and terms may apply.
Value: $600 · Spend $3,000 in 3 months
This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.
Who This Card Makes Sense For
- People who reliably pay their balance in full each month. The 28.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
- People whose stays are mostly with Wells Fargo Bank, National Association. The 10x is where this card beats a general-purpose one, and it only applies to that spending.
Wondering if this card pays off for your situation? Is the Choice Privileges® Select Mastercard® worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- British Airways Visa Signature® Credit Card$1,249 (+$1,055)
- Iberia Visa Signature® Credit Card$1,245 (+$1,050)
- Marriott Bonvoy Boundless® Credit Card$1,149 (+$954)