Wells Fargo
Choice Privileges Select Mastercard
Estimated value every year on typical spending
$485/ year
Every year, after the annual fee. Year one adds a $360 welcome bonus: $845
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Anniversary bonus $180 · Trusted Traveler Program Credit $30 → $11 · Cellular Telephone Protection (not counted)
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Wells Fargo Choice Privileges Select Mastercard returns about $580 a year in rewards and usable credits, which covers its $95 fee with $485 to spare. The welcome bonus adds roughly $360 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- None
- Top perk
- Automatic Platinum Elite membership
- Approval
- Good credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 10X points on stays at participating Choice Hotels
- 5X points on purchases at gas stations, grocery stores, and home improvement stores
Sign-up bonus
60,000 bonus points when you spend $3,000 in purchases in the first 3 months
Best for
- Big spenders on groceries
- Travelers who redeem points
Not ideal for
- People who want plain cash back
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back.
Worth knowing
- Annual fee
- $95
- Intro APR
- Not listed
- Regular APR
- Not listed
- $500/mo on groceries earns about $180/year (3x).
- $1200/mo on everyday spending earns about $86/year (0.6x).
- The $95 fee pays for itself at about $400/mo on groceries.
- You come out ahead of a no-fee 1% card after about $4800/year of groceries spending.
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 Select Mastercard: questions people ask
Is the Wells Fargo Choice Privileges Select Mastercard worth it?
On typical spending the Wells Fargo Choice Privileges Select Mastercard returns about $580 a year in rewards and usable credits, which covers its $95 fee with $485 to spare. The welcome bonus adds roughly $360 in the first year.
What is the Wells Fargo Choice Privileges Select Mastercard annual fee?
The Wells Fargo Choice Privileges Select Mastercard has a $95 annual fee. On typical spending its rewards and usable credits come to about $580 a year, so it nets about $485 after the fee.
What is the Wells Fargo Choice Privileges Select Mastercard welcome bonus?
60,000 bonus points when you spend $3,000 in purchases in the first 3 months. We value it at about $360. 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 Select Mastercard earn?
10X points on stays at participating Choice Hotels. 5X points on purchases at gas stations, grocery stores, and home improvement stores.
What credit score do you need for the Wells Fargo Choice Privileges Select 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 Select Mastercard charge foreign transaction fees?
No. The Wells Fargo Choice Privileges Select 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.