Benefit Activation Checklist
Step-by-step guide to activate and maximize every benefit on this card.
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Non-Affiliate Offer
Choice Privileges® Select Mastercard®
Welcome Offer
60,000 Choice Points
Earn 60,000 bonus Choice Privileges points after spending $3,000 in the first 3 months from account opening. That can be worth up to 7 reward nights at select Choice Hotels properties.
How to Earn Rewards
Up to 22x
Choice Privileges points per $1 on stays at participating Choice Hotels properties — MAX rate. Breakdown: 10x base member earning + 10x card bonus + 2x Platinum elite bonus (auto-granted by card) = 22x total. Without elite status (rare since card grants it automatically) would be 20x
5x
Choice Privileges points per $1 at gas stations, grocery stores, home improvement stores, and on phone plan services
1x
Choice Privileges points per $1 on all other purchases
Key Benefits
Tap any benefit to see details.
30,000 Choice Bonus Points Every Account Anniversary (~$180 Value at 0.6 cpp)
Receive 30,000 bonus Choice Privileges points every account anniversary year (worth approximately $180). This effectively covers the $95 annual fee and nets about $85 positive each year, making this card a long-term keeper.
Automatic Choice Privileges Platinum Elite Status
Automatic Platinum elite status with Choice Privileges (entry-tier Choice elite). Includes complimentary upgrades, reserved parking, early check-in, late checkout, and 2x earning bonus on stays (the 2x in the 22x card-stay rate). Typically requires 20 nights/year to earn — instant elite status from card opening.
Up to $120 Global Entry® or TSA PreCheck® Credit (Every 4 Years)
Receive one statement credit up to $120 every four years as reimbursement for the Global Entry application or renewal fee, OR $85 TSA PreCheck (charged to this card). Useful for any traveler.
Cell Phone Protection — Up to $800 Per Claim, $25 Deductible
Cell phone protection when you pay your monthly cell phone bill with this card. Covers damage and theft. Typical claim limit and deductible are competitive with premium cards.
$0 Foreign Transaction Fees
No foreign transaction fees on international purchases.
World Elite Mastercard® Premium Tier Benefits
World Elite is Mastercard's top consumer tier. Includes: Mastercard Travel & Lifestyle Services (concierge), Priceless Cities benefits, Mastercard ID Theft Protection, Lyft credits and offers, DoorDash + ShopRunner offers, complimentary hotel benefits at participating properties.
Up to 22x Choice Privileges Points on Choice Hotels Stays
Maximum earning rate at Choice Hotels: 10x base member earning + 10x card-bonus earning + 2x Platinum elite earning (auto-granted) = 22x total. This is among the highest hotel co-brand earning rates in the industry.
Counts Toward Chase 5/24 (Wells Fargo Personal Card)
This is a Wells Fargo PERSONAL card, so it DOES count toward Chase's 5/24 rule (5 personal cards opened in past 24 months). Plan timing if trying to stay under 5/24 for Chase card applications. Different from U.S. Bank business cards which DON'T count.
Mastercard® Standard Benefits Suite
Standard Mastercard benefits: Zero Liability protection, fraud monitoring, Mastercard ID Theft Protection, Mastercard cardholder benefits.
Card Migrated from Barclays to Wells Fargo in 2023
Choice Privileges credit cards were issued by Barclays before transitioning to Wells Fargo in 2023. Different from the recent April 24, 2026 Barclays to Citi AAdvantage migration.
April 19, 2026 Choice Transfer Rate Devaluation (Citi to Choice)
On April 19, 2026, the Citi ThankYou to Choice Privileges transfer rate was DEVALUED from 1:2 to 1:1.5. This affects earning Choice points via Citi cards (Strata Elite, Strata Premier) but does not affect direct earning on this card. It indirectly hurts the Choice point ecosystem value.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
When the offier is elevated, this is a strong option to collect Choice points. These can offer some great value — especially in Europe and Japan and even around the US.
You'll also earn 30,000 points on your account anniversary which is equivalent to a free night at many hotels.
Benefits Calculator
What's the Choice Privileges® Select Mastercard® worth to you? Get a personalized estimate.
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Benefits Calculator
What's the Choice Privileges® Select Mastercard® worth to you? Get a personalized estimate.
Choice Privileges® Select Mastercard® Benefits Calculator
Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.
Receive 30,000 bonus Choice Privileges points every account anniversary year (worth approximately $180). This effectively covers the $95 annual fee and nets about $85 positive each year, making this card a long-term keeper.
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Receive one statement credit up to $120 every four years as reimbursement for the Global Entry application or renewal fee, OR $85 TSA PreCheck (charged to this card). Useful for any traveler. ($120 every 4 years = $30/yr)
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Your Total Annual Value
$0
Annual Fee: $95
Your Net Value / Cost
$0
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 60,000 Choice Privileges PointsCurrent | $3,000 in 3 mo | Current public standard offer (May 2026) |
| 100,000 Choice Privileges PointsElevated | $3,000 in 3 mo | Best-ever offer (possibly targeted, not always public) |
| 90,000 Choice Privileges PointsElevated | Standard spend | Past elevated offer (within past 2 years) |
| 70,000 Choice Privileges PointsElevated | Standard spend | Past elevated offer |
