Choice Privileges® Select Mastercard® vs Wyndham Rewards Earner® Premier Card
Side-by-side comparison
| Choice Privileges® Select Mastercard® | Wyndham Rewards Earner® Premier Card | |
|---|---|---|
| Annual fee | $95 | $395 |
| Welcome offer | 60,000 points | Up to 120,000 points |
| Dining | 1x | 4x |
| Groceries | 5x | 4x |
| Gas | 5x | 4x |
| Travel | 1x | 4x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $618 | $680 |
| Points type | Locked to Choice Privileges | Locked to Wyndham Rewards |
| Network | Mastercard | Visa |
*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® Select Mastercard® earns about $618 a year in rewards and the Wyndham Rewards Earner® Premier Card about $680, valuing every point at a flat 1 cent. The Choice Privileges® Select Mastercard® charges $95, which you clear through its rewards and perks. The Wyndham Rewards Earner® Premier Card charges $395, but carries about $220 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Choice Privileges® Select Mastercard® delivers more total value, about $128 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. 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 Wyndham Rewards Earner® Premier Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Choice Privileges® Select Mastercard® if your spending leans toward groceries, gas. Pick the Wyndham Rewards Earner® Premier Card if your spending leans toward dining, travel.