| Category | Rate | Type | Cap |
|---|---|---|---|
|
Choice Hotels Stays
5 points (1 base + 4 bonus) per $1 spent on qualifying stays at eligible Choice Hotels properties billed by the hotel as merchant of record, booked through choicehotels.com, directly with an eligible Choice hotel, or via the Choice Hotels Service Center.
|
5x | Points | No cap |
|
Gas Stations
3 points (1 base + 2 bonus) per $1 spent at gas stations, automated fuel dispensers, and electric vehicle charging stations classified under the applicable Mastercard merchant code; purchases not processed under this merchant code will not qualify for bonus points.
|
3x | Points | No cap |
|
Groceries
3 points (1 base + 2 bonus) per $1 spent at grocery stores, supermarkets, delis, and bakeries classified under the applicable Mastercard merchant code; purchases not processed under this merchant code will not qualify for bonus points.
|
3x | Points | No cap |
|
Phone Plans
3 points (1 base + 2 bonus) per $1 spent on landline and cell phone providers classified as telecommunication services under the applicable Mastercard merchant code; purchases not processed under this merchant code will not qualify for bonus points.
|
3x | Points | No cap |
|
Home Improvement
3 points (1 base + 2 bonus) per $1 spent at home improvement stores, hardware stores, nurseries, garden supply stores, furniture and household appliance stores, and contractors providing home improvement services classified under the applicable Mastercard merchant code.
|
3x | Points | No cap |
|
All Other Purchases
1 point per $1 spent on all other net purchases not classified under a bonus category merchant code; cash equivalents, ATM transactions, cash advances, balance transfers, and fees do not earn points.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The Choice Privileges® Mastercard® carries no annual fee for the life of the account.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fee
Wells Fargo charges no foreign transaction fee on international purchases made with this card, making it suitable for use when traveling abroad.
|
Financial |
$0
Up to $0
|
|
Cell Phone Protection
When the monthly wireless bill is paid with this card, cardholders are covered for damage, theft, or involuntary and accidental parting of their cell phone; coverage is up to $800 per claim with a $25 deductible, limited to two paid claims per 12-month period. Coverage is supplemental and excess to other applicable insurance.
|
Insurance |
Up to $800 per claim
Up to $800
|
|
1x Points on All Other Purchases
Earn 1 Choice Privileges point per $1 spent on all other net purchases not classified under a bonus earning merchant category; cash equivalents, fees, and cash advances do not earn points.
|
Rewards | 1x points |
|
3x Points on Gas, Groceries, Home Improvement, and Phone Plans
Earn 3 Choice Privileges points per $1 spent at gas stations, grocery stores, home improvement stores, and on phone plan services classified under the applicable Mastercard merchant codes; purchases not processed under these merchant codes will not qualify for bonus points.
|
Rewards | 3x points |
|
5x Points at Choice Hotels
Earn 5 Choice Privileges points per $1 spent on qualifying stays at eligible Choice Hotels properties billed directly by the hotel, as well as on Choice Privileges point purchases; purchases must be processed under the applicable Mastercard merchant code.
|
Rewards | 5x points |
|
Welcome Bonus
Earn 60,000 Choice Privileges bonus points after spending $1,000 in purchases within the first 3 months of account opening; enough to redeem for up to 7 reward nights at select Choice Hotels properties (additional fees may apply).
|
Rewards | 60,000 bonus points |
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized transactions made with their card or account information when reported promptly, subject to Wells Fargo's zero liability policy terms.
|
Security |
$0 liability
Up to $0
|
|
Automatic Choice Privileges Gold Elite Status
Cardholders automatically receive Gold Elite status with the Choice Privileges loyalty program, which includes benefits such as early check-in, extended checkout, a 10% elite point bonus on qualifying stays, and access to exclusive phone numbers for reservations and customer service.
|
Travel | Complimentary Gold Elite status |
