Choice Privileges Mastercard
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferBenefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Earning rates
3- 5x
Earn 5X Choice Privileges points per $1 on direct purchases of Choice Privileges points made on the card account (verified per Wells Fargo footnote 4)
- 3xgroceries
Earn 3X Choice Privileges points per $1 at retailers whose Mastercard merchant code is classified as gas (gas stations, automated fuel dispensers, EV charging stations), groceries (grocery stores, supermarkets, delis, bakeries), home improvement (hardware stores, nurseries, furniture/household appliances, paint and wallpaper, contractors and home-improvement specialists), or telephone plans (landline and cell phone providers); verified per Wells Fargo footnote 3
- 1xeverything else
Earn 1X Choice Privileges point per $1 on all other net purchases (cash advances and cash equivalents of any kind do not earn points per Wells Fargo footnote 3)
Perks & memberships
3- Elite statusAutomatic Choice Privileges Gold Elite status: cardholders receive 10 Elite Qualifying Nights deposited into the linked Choice Privileges account within 14 days of account opening, then again within 14 days of January 1 each subsequent calendar year as long as the card account remains open on December 31 of the prior year (verified per Wells Fargo footnote 8)
- No foreign feesNo foreign transaction fees and no foreign currency conversion fee on purchases converted to U.S. dollars (verified on the Wells Fargo Choice Privileges Mastercard issuer page benefits section)
- Authorized usersAuthorized users at no additional annual fee, with all authorized-user spending earning Choice Privileges points to the primary account (consistent with the $0 AF positioning of the product)
Travel & purchase protections
2- Cellular Telephone Protection: up to $800 of cell phone protection against damage or theft when you pay your monthly cell phone bill with the card, subject to a $25 deductible (verified per Wells Fargo footnote 12; standard Choice Privileges Mastercard Guide to Benefits coverage rules apply)
- World Elite Mastercard network benefits: Mastercard ID Theft Protection, World Elite Mastercard concierge, exclusive offers, Priceless Cities experiences, and travel and lifestyle services (verified per Wells Fargo footnote 14 and the World Elite Mastercard Guide to Benefits)
More benefits & fine print (2)ShowHide
- Dining is NOT a bonus category on this card: Wells Fargo footnote 3 enumerates only gas, groceries, home improvement, and telephone plans for 3X; restaurants earn 1X base (do not confuse with the Wells Fargo Autograph, which is the issuer's dining-bonus card)
- Booking window: Choice Privileges members can book reward nights up to 50 weeks in advance, a program improvement rolled out in 2025 that benefits cardholders planning international and seasonal stays (per One Mile at a Time Choice Privileges program update)
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See the Current Offer
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