Choice Privileges Select 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 OfferEarn 60,000 bonus points after at least $3,000 in net purchases post to your account within 3 months from the date your account is opened; the bonus rewards points show as redeemable within 60 days after they are earned.
Benefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Earning rates
4- 10xlodging
10X total points per $1 (1 base + 9 bonus) on qualifying stays at participating Choice Hotels properties booked via choicehotels.com, directly with an eligible Choice hotel, or via the Choice Hotels Service Center (verified per issuer footnote 2)
- 10x
10X total points per $1 on qualifying net purchases of Choice Privileges points made directly with Choice (verified per issuer footnote 3)
- 5xgroceries
5X total points per $1 (1 base + 4 bonus) on net purchases at merchants classified by Mastercard as gas stations / automated fuel dispensers / EV charging stations, grocery stores / supermarkets / delis / bakeries, telephone-plan providers (landline and cell), and home-improvement stores / hardware / nurseries / garden supply / furniture and household appliances / floor / glass / paint / wallpaper / contractors (verified per issuer footnote 2)
- 1xeverything else
1X point per $1 on all other net purchases (base rate; cash advances, cash equivalents, balance transfers, fees, and gambling do not earn points per footnote 2)
Transfer partners
1Statement credits
2- $30Global Entry / TSA PreCheck application fee creditYearly
Up to $120 statement credit toward Global Entry or TSA PreCheck application/renewal fee, once every four years (amortized $30/yr)
- $120Trusted Traveler Program statement credit
Trusted Traveler Program statement credit: up to $120 every four years as reimbursement for one Global Entry or TSA PreCheck application or renewal fee charged to the card; credit posts within 60 days of the qualifying transaction; the first posted TTP transaction is the one credited (verified per issuer footnote 8) - note this $120 ceiling exceeds the current $100 Global Entry fee and the $78-$85 TSA PreCheck fee
Perks & memberships
8- Card networkProduct is now branded the Choice Privileges Select Mastercard World Elite (NOT a Visa Signature card despite the legacy 'Visa Signature' designation in some older write-ups); issuer product page and Guide to Benefits title both confirm 'Choice Privileges Select World Elite Mastercard Credit Card'
- Free nightAnniversary bonus: 30,000 Choice Privileges points awarded every account anniversary year that the account remains open, not delinquent, and not in default at the time of award; issuer markets this as 'enough to redeem up to 3 reward nights at Choice Hotels properties' (verified per issuer footnote 4); this is a POINTS award, not a Free Night Certificate room-category cap
- Free nightANNIVERSARY BENEFIT CORRECTION: The Choice Privileges Select Mastercard awards 30,000 anniversary points (not a Free Night Certificate); Choice Privileges' co-brand portfolio does not use Free Night Certificate awards in the Marriott/Hilton/IHG sense, so any 'Anniversary night reward' framing should be expressed as the 30,000-point top-up
- Elite status20 bonus Elite Qualifying Nights (EQNs) deposited into the linked Choice Privileges account within 14 days of account opening and again within 14 days of January 1 each subsequent year the card is open as of Dec 31 prior; the 20 EQNs guarantee Platinum Elite status floor each calendar year (verified per issuer footnote 6)
- No foreign feesNo foreign transaction fees on purchases converted to U.S. dollars (verified on issuer product page; standard World Elite Mastercard benefit honored by Wells Fargo on this card)
- Card networkCellular Telephone Protection: up to $800 per claim against damage or theft, less a $25 deductible, maximum of two paid claims per 12-month period; coverage activates the first day of the calendar month following the month you first paid your cell phone bill with the Choice Privileges Select Mastercard; does NOT cover lost or mysteriously disappeared phones and does NOT cover electronic or software failure (verified per issuer footnote 9 and Guide to Benefits)
- ConciergeMastercard World Elite benefits: 24/7 concierge, travel and lifestyle services, exclusive offers, and additional security benefits as enumerated in the Mastercard World Elite benefit suite (referenced on issuer product page footnote 10 and the Choice Privileges Select World Elite Mastercard Guide to Benefits)
- AnniversaryChoice Privileges point valuation context: Choice Privileges points typically value at 0.5-0.7 cents per point (rewardztravel internal valuation: ~0.6 cpp), making the 60,000-point welcome bonus worth roughly $360 in hotel-night value and the 30,000-point anniversary bonus worth roughly $180 in hotel-night value at typical free-night redemption rates
Travel & purchase protections
1- CELL PHONE BENEFIT CORRECTION: This card carries the $800 per-claim cell phone protection tier, NOT the $600 'Wells Fargo standard' tier seen on Active Cash and Autograph; the higher World Elite Mastercard ceiling is verified directly on the issuer product page footnote 9
More benefits & fine print (4)ShowHide
- IMPORTANT CATEGORY CORRECTION: The 5X tier on the current product is gas + groceries + phone plans + home improvement; dining/restaurants is NOT a 5X bonus category on the Choice Privileges Select Mastercard (verified directly on the issuer product page; older 'gas + groceries + dining' descriptions reflect an earlier version of this card or a different product)
- Automatic Choice Privileges Platinum Elite membership for cardholders; Platinum Elite earns a 25% base-point bonus on qualifying Choice Privileges stays (WoodSpring Suites excluded; MainStay/Suburban/Everhome cap at 10 pts/$ for stays of 6 nights or fewer, 5 pts/$ for 7-30 nights) per issuer footnote 5
- Welcome-offer eligibility restriction: cardholder is not eligible for the 60,000-point intro bonus if a Choice Privileges Mastercard or Choice Privileges Select Mastercard was opened within the last 15 months from the application date, even if closed with a $0 balance; cannot hold an open Choice Privileges Mastercard simultaneously with a Choice Privileges Select Mastercard (verified per issuer product page 'Other things you need to know')
- Choice Privileges award nights have no blackout dates at most participating brands; standard reward night pricing ranges from 6,000 to 35,000 points per night depending on brand, location, and season (per Choice Privileges Rewards Program Rules and Regulations referenced from issuer footnote 5)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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How to Earn the Bonus
Spend $3,000 in the first 3 months to earn the 60,000 bonus points bonus.
See the Current Offer
Earn 60,000 bonus points
View OfferAffiliate 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.
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