Wells Fargo Choice Privileges® MasterCard®
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The Wells Fargo Choice Privileges® Mastercard® is a hotel rewards card designed for Choice Hotels® loyalists. It has a welcome offer and up to 5x rewards on Choice hotel stays, all with no annual fee. You also get cell phone protection and automatic gold elite status. Choice hotels include Radisson, Clarion, and Econolodge properties, among others. We dive into the details and your approval odds in this Choice Privileges review.
Our Rating
4.4/5.0
Welcome Offer
Earn 40,000 bonus points
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
1x – 5x points
0% Intro on Balance Transfers
None
Welcome Offer
Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months.
Editorial Review
Features & Benefits
Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay |
Benefits | Cell Phone Protection, 24/7 customer service |
Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Luggage Protection, Travel Accident Insurance, Trip Cancellation Insurance |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | None |
Regular APR | 20.49%, 24.74%, or 29.74% (V) APR |
Insurance
Trip Cancellation and Interruption Insurance
If a Trip is cancelled or interrupted for a covered reason (See What’s Covered), You may be reimbursed the cost of nonrefundable Common Carrier tickets. To be eligible for coverage under this benefit, Your Covered Card must be used to purchase the entire cost of the Covered Traveler’s Common Carrier fare less redeemable certificates, vouchers, or coupons. See the Guide to Benefits for details and terms.Cell Phone Insurance
Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible. For complete coverage benefits and exclusions regarding this protection, refer to the Guide to Benefits.
Lost Baggage Insurance
If a Covered Traveler’s baggage is lost due to theft or misdirection by the Common Carrier while on a Trip, you may be reimbursed for the missing items. The Covered Traveler must take all reasonable means to protect, save and/or recover the Checked Baggage, Carry-on Baggage and its contents at all times.
To be eligible for coverage under this benefit, the Covered Card must be used to purchase the entire cost of the Covered Traveler’s Common Carrier fare less redeemable certificates, vouchers, or coupons. For details and terms, refer to the Guide to Benefits.
Car Rental Loss and Damage Insurance
This coverage reimburses You if a covered accident or theft occurs to the Rental Car. For details and terms, refer to the Guide to Benefits.
What Credit Score Is Required to Get the Wells Fargo Choice Privileges® Mastercard®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 775
Average Approved Credit Score: 775
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 01/05/2024 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- High APR
- Requires good credit
What Are the Best Alternatives?
Chase Sapphire Preferred® Card
Rating
4.9
Rewards Range
1x - 5x points
Annual Fee
$95
Hilton Honors American Express Card
Rating
4.8
Rewards Range
3x to 7x points
Annual Fee
$0
Marriott Bonvoy Bold® Credit Card
Rating
4.4
Rewards Range
1x - 14x points
Annual Fee
$0