| Category | Rate | Type | Cap |
|---|---|---|---|
|
Choice Hotels Stays
10 points (1 base + 9 bonus) per $1 spent on qualifying stays at eligible Choice Hotels properties billed directly by the hotel as merchant of record, booked through choicehotels.com, directly with an eligible Choice hotel, or via the Choice Hotels Service Center.
|
10x | Points | No cap |
|
Gas Stations
5 points (1 base + 4 bonus) per $1 spent at gas stations, automated fuel dispensers, and electric vehicle charging stations classified under the applicable Mastercard merchant code.
|
5x | Points | No cap |
|
Groceries
5 points (1 base + 4 bonus) per $1 spent at grocery stores, supermarkets, delis, and bakeries classified under the applicable Mastercard merchant code.
|
5x | Points | No cap |
|
Home Improvement
5 points (1 base + 4 bonus) per $1 spent at home improvement stores, hardware stores, nurseries, garden supply stores, furniture and household appliance stores, and contractors classified under the applicable Mastercard merchant code.
|
5x | Points | No cap |
|
Phone Plans
5 points (1 base + 4 bonus) per $1 spent on landline and cell phone provider purchases classified as telecommunications services under the applicable Mastercard merchant code.
|
5x | 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 |
|---|---|---|
|
Global Entry or TSA PreCheck Credit
Receive a statement credit of up to $100 for Global Entry application fees or up to $85 for TSA PreCheck application fees when charged to the card; available once every four years.
|
Credits |
Up to $100 (Global Entry) or $85 (TSA PreCheck)
Up to $100
|
|
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
|
|
10x Points at Choice Hotels
Earn 10 Choice Privileges points per $1 spent on qualifying stays at eligible Choice Hotels properties billed directly by the hotel, booked through choicehotels.com, or via the Choice Hotels Service Center.
|
Rewards | 10x points |
|
1x Points on All Other Purchases
Earn 1 Choice Privileges point per $1 spent on all other net purchases not classified under a bonus category merchant code; cash equivalents, fees, and cash advances do not earn points.
|
Rewards | 1x points |
|
30,000 Anniversary Bonus Points
Earn 30,000 Choice Privileges bonus points each account anniversary year, automatically credited to the cardholder's Choice Privileges account; enough to redeem for up to 3 reward nights at select properties.
|
Rewards | 30,000 points annually |
|
5x Points on Gas, Groceries, Home Improvement, and Phone Plans
Earn 5 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.
|
Rewards | 5x points |
|
Welcome Bonus
Earn 60,000 Choice Privileges bonus points after spending $3,000 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
|
|
20 Elite Night Credits Per Year
Cardholders receive 20 elite qualifying night credits per calendar year toward maintaining or achieving higher Choice Privileges elite status tiers, reducing the number of nights that need to be earned through hotel stays.
|
Travel | 20 elite nights/year |
|
Automatic Choice Privileges Platinum Elite Status
Cardholders automatically receive Platinum 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, priority reservations, and exclusive member-only pricing.
|
Travel | Complimentary Platinum Elite status |
