If you’re searching for a travel credit card that rewards your daily life — not just your vacations — the Choice Privileges® Mastercard® might be exactly what you need. It’s designed for people who want real value from regular purchases like gas, groceries, and phone bills, while still earning perks for their hotel stays.
Choice Privileges® Mastercard
$0 Annual Fee No foreign transaction feeThis card doesn’t come with complicated rules or rotating categories. Instead, it gives you straightforward point earning across useful spending areas and offers solid travel perks like elite status and no foreign transaction fees. You don’t have to spend thousands each month to benefit — you just have to use your card where you already shop.
Best of all, there’s no annual fee. That means everything you earn stays with you. With a generous welcome bonus, Gold Elite status, and additional protections like cell phone coverage, this card provides meaningful rewards without the premium price tag.
🌟 Key Benefits at a Glance
- $0 Annual Fee
Enjoy all the perks of the card with zero yearly cost. - 5X Points on Choice Hotels®
Earn faster when you book directly with Choice Hotels. - 3X Points on Daily Essentials
Gas, groceries, home improvement stores, and phone service all earn bonus points. - 1X on Everything Else
Even non-bonus purchases earn valuable points. - 60,000-Point Welcome Bonus
After spending $1,000 in the first 90 days — enough for up to 7 free nights. - Gold Elite Status
Includes benefits like early check-in, late check-out, and extra points. - No Foreign Transaction Fees
Travel internationally without worrying about extra charges. - Cell Phone Protection
Get up to $800 in coverage when you pay your phone bill with the card.
🔍 Choice Privileges® Card Comparison Table
| Feature | Choice Privileges® Mastercard® | Choice Privileges® Select Mastercard® |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | 60,000 pts after $1,000 in 90 days | 60,000 pts after $3,000 in 90 days |
| Points on Choice Hotels® | 5X | 10X |
| Points on Essentials | 3X (gas, groceries, home improvement, phone) | 5X (same categories) |
| Other Purchases | 1X | 1X |
| Anniversary Bonus | None | 30,000 pts per year |
| Elite Status | Gold + 10 night credits | Platinum + 20 night credits |
| TSA/Global Entry Credit | Not included | Up to $100 every 4 years |
| Cell Phone Protection | Yes (up to $800) | Yes (up to $800) |
| Foreign Transaction Fees | None | None |
| Best For | Occasional or beginner travelers | Frequent Choice Hotels® guests |
📝 Requirements to Apply
Before applying, make sure you meet the basic eligibility criteria:
- Be 18 years or older (19 in some states)
- Have a valid Social Security Number or ITIN
- Reside in the United States with a physical mailing address
- Have a good to excellent credit score (typically 670 or higher)
- Provide a verifiable income source
💳 How to Apply for the Choice Privileges® Mastercard®
Applying is quick and secure:
- Visit the official Wells Fargo application page
- Click “Apply Now”
- Fill out the form with your personal and financial details
- Review the card’s terms and disclosures
- Submit your application — some applicants receive an instant decision
Once approved, your card will be mailed to you and can be activated online or through the Wells Fargo app.
❓ Frequently Asked Questions (FAQ)
Can I use my points for more than hotel stays?
Yes! Points can also be redeemed for gift cards, airline miles, and travel experiences through the Choice Privileges® program.
How long does it take to receive my welcome bonus?
Points are typically awarded within 6 to 8 weeks after meeting the spending requirement.
Is there a limit on how many points I can earn?
There’s no cap on how many points you can earn — the more you use your card, the more you accumulate.
What if I already have another Wells Fargo card?
You can still apply, but eligibility may depend on your current Wells Fargo accounts and recent credit card activity.
What makes this card better than a general travel card?
This card is tailored for Choice Hotels® guests and offers elite status and bonus categories that match everyday spending — all with no annual fee.
✅ Final Thoughts
The Choice Privileges® Mastercard® strikes the right balance between everyday simplicity and meaningful travel rewards. It’s easy to use, comes with strong earning potential, and offers hotel perks that add real value — even if you’re not a frequent traveler.
If you’re looking for a low-maintenance card with big potential, this one is worth a serious look.
👉 Apply today and start earning your next hotel stay — one purchase at a time.
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