Wells Fargo
Choice Privileges Mastercard
Estimated value every year on typical spending
$288/ year
Every year, after the annual fee. Year one adds a $240 welcome bonus: $528
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Cellular Telephone Protection (not counted) · Elite Qualifying Nights (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Wells Fargo Choice Privileges Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $288 a year on typical spending. The welcome bonus adds roughly $240 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- None
- Top perk
- Automatic Gold Elite membership
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 5X points on stays at participating Choice Hotels
- 3X points on purchases at gas stations, grocery stores, and home improvement stores
Sign-up bonus
40,000 bonus points when you spend $1,000 in purchases in the first 3 months.
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- $500/mo on groceries earns about $108/year (1.7999999999999998x).
- $1200/mo on everyday spending earns about $86/year (0.6x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Choice Privileges Mastercard: questions people ask
Is the Wells Fargo Choice Privileges Mastercard worth it?
With no annual fee, the Wells Fargo Choice Privileges Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $288 a year on typical spending. The welcome bonus adds roughly $240 in the first year.
What is the Wells Fargo Choice Privileges Mastercard annual fee?
The Wells Fargo Choice Privileges Mastercard has no annual fee ($0).
What is the Wells Fargo Choice Privileges Mastercard welcome bonus?
Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months. We value it at about $240. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Wells Fargo Choice Privileges Mastercard earn?
5X points on stays at participating Choice Hotels. 3X points on purchases at gas stations, grocery stores, and home improvement stores.
What credit score do you need for the Wells Fargo Choice Privileges Mastercard?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Wells Fargo Choice Privileges Mastercard charge foreign transaction fees?
No. The Wells Fargo Choice Privileges Mastercard has no foreign transaction fee.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Wells Fargo product page. Terms change often; confirm them with the issuer before you apply.