Choice Privileges® Mastercard® Review
Overview
The Choice Privileges® Mastercard® is a category rewards card from Wells Fargo, running on the Mastercard network. The Choice Privileges® Mastercard® earns up to 5x on travel, gas, and groceries, so it pays you the most exactly where you already spend. There is no annual fee, which means every dollar of rewards is pure profit. New cardholders can earn 60,000 points after $1,000 in 3 months.
It earns its keep without an annual fee, which is rare for a card with real bonus categories. That combination makes it a strong everyday keeper that you never have to justify paying for.
Think twice if: you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.
Our 4.0 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
Where the Choice Privileges® Mastercard® earns its rewards is its bonus categories: 5x on travel (about $90 a year on the $1,800 a typical household spends there), 3x on gas (about $65 a year on the $2,160 a typical household spends there), and 3x on groceries (about $180 a year on the $6,000 a typical household spends there). Across a full year of average household spending, the card returns roughly $527 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.
| Category | Rate | Notes |
|---|---|---|
| Travel | 5x | Bonus category |
| Gas | 3x | Bonus category |
| Groceries | 3x | Bonus category |
| Phone and internet bills | 3x | Bonus category |
| Everything else | 1x | Everything else |
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- 5x on travel
- 3x on gas
- 3x on groceries
- 3x on phone bills
- No annual fee
- Welcome offer worth about $600
- Rewards stay locked to this card and cannot be moved to travel partners
- Rewards are tied to one brand, so value drops if your plans change
The welcome bonus
The current welcome offer is 60,000 points, earned after you spend $1,000 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $600. The spending requirement works out to roughly $333 per month, so make sure it fits your normal budget rather than pushing you to overspend. Stacking the welcome offer on top of a typical year of rewards and accounting for no annual fee, the first year is worth roughly $1,127.
Is the annual fee worth it?
The Choice Privileges® Mastercard® has no annual fee, so there is no break-even math to worry about. Every dollar of rewards is profit, and you can keep it open for free, which also helps the average age of your credit over time.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- No foreign transaction fees
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
It is best for regular guests of this hotel brand who will use the free anniversary night and elite status to more than cover the annual fee.
Skip it if you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of June 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
