Wells Fargo Choice Privileges® MasterCard®

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.

Wells Fargo Choice Privileges Mastercard

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

SecurityEMV Chip Enabled, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay
BenefitsCell Phone Protection, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Luggage Protection, Travel Accident Insurance, Trip Cancellation Insurance

Rewards

1x points
On all other eligible purchases
Earn 1x points on other purchases
3x points
Cell phone service
Earn 3x points on phone service plans
3x points
U.S. supermarkets
Earn 3x points on purchases at grocery stores
3x points
Select Categories
Earn 3x points on purchases at home improvement stores
3x points
Gas
Earn 3x points on purchases at gas stations
5x points
Hotels
Earn 5x points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR20.49%, 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 StatusDateCredit ScoreBureauCredit Limit
Approved01/05/2024
775
Experian
$7,000

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
Cons
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Rating

4.9

Rewards Range

1x - 5x points

Annual Fee

$95

Hilton Honors American Express Card
Hilton Honors American Express Card

Rating

4.8

Rewards Range

3x to 7x points

Annual Fee

$0

Marriott Bonvoy Bold® Credit Card
Marriott Bonvoy Bold® Credit Card

Rating

4.4

Rewards Range

1x - 14x points

Annual Fee

$0

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