Choice Privileges® Mastercard® vs Choice Privileges® Select Mastercard®
Side-by-side comparison
| Choice Privileges® Mastercard® | Choice Privileges® Select Mastercard® | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | 60,000 points | 60,000 points |
| Dining | 1x | 1x |
| Groceries | 3x | 5x |
| Gas | 3x | 5x |
| Travel | 5x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $527 | $618 |
| Points type | Locked to Choice Privileges | Locked to Choice Privileges |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Choice Privileges® Mastercard® earns about $527 a year in rewards and the Choice Privileges® Select Mastercard® about $618, valuing every point at a flat 1 cent. The Choice Privileges® Mastercard® has no annual fee, so its rewards are all profit. The Choice Privileges® Select Mastercard® charges $95, which you clear through its rewards and perks. The two are effectively tied on value, with the Choice Privileges® Mastercard® marginally ahead, mostly because it earns more where you spend most, on travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Choice Privileges® Mastercard® if your spending leans toward travel. Pick the Choice Privileges® Select Mastercard® if your spending leans toward groceries, gas.