The Wells Fargo Choice Privileges Select Mastercard is excellent for frequent Choice Hotel guests. It provides a robust point-earning rate and solid travel benefits, such as extensive travel insurance and no foreign transaction fees.
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However, it charges an annual fee from the first year and lacks introductory APR or balance transfer offers, limiting its appeal for those looking to build credit or earn cash back.
By Harlon Drosghic Apr 2026
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Wells Fargo Choice Privileges Select Mastercard
Wells Fargo • Mastercard World Elite
- Annual Fee
- $ 95.00
- Points Program
- Choice Privileges
- Minimum Income
- —
Score by category
Rewards
★★★★★ 3.7/5
Score by category
Rewards
Points & Miles ★★★★★ 3.9/5
- Earn Rate 3.8
- Bonus Categories 4.0
- Redemption Value 4.2
- Points Expiration 4.0
- Transfer Partners 3.5
Cashback ★★★★★ 2.5/5
- Base Cashback Rate 2.0
- Caps & Limits 2.5
- Redemption Ease 3.0
- Bonus Categories 2.5
- Redemption Flexibility 3.0
Credit Building ★★★★★ 3.4/5
- Upgrade Path 3.0
- Credit Bureau Reporting 4.0
- Educational Tools 3.0
- Credit Limit Growth 3.5
- Approval Accessibility 3.0
Lower Fees ★★★★★ 2.8/5
- Annual Fee Value 3.0
- Cost Transparency 3.0
- Fee Waiver Potential 2.0
- Penalty Friendliness 3.0
- Foreign Transaction Fee 3.0
Purchase Perks ★★★★★ 3.5/5
- Extended Warranty 3.5
- Installment Perks 3.0
- Merchant Discounts 3.5
- Everyday Usefulness 3.5
- Purchase Protection 4.0
Travel Perks ★★★★★ 3.9/5
- Airport Lounge Access 3.5
- Travel Insurance 4.0
- Travel Redemption 4.0
- No Foreign Tx Fees 4.0
- Hotel & Airline Perks 4.2
Score by category
User Experience
★★★★★ 3.6/5
Score by category
User Experience
App / Experience ★★★★★ 4.0/5
- Ease of Navigation 4.5
- Self-Service 4.0
- Billing Clarity 3.5
- Feature Quality 4.0
- App Speed & Stability 4.0
Support Quality ★★★★★ 3.0/5
- Response Time 3.0
- Channel Availability 3.0
- Agent Professionalism 3.5
- First-Contact Resolution 2.5
- Resolution Effectiveness 3.0
Transparency ★★★★★ 3.4/5
- Terms Simplicity 3.5
- Billing Transparency 3.5
- Fee & Interest Clarity 3.5
- Charge Predictability 3.5
- Communication Clarity 3.0
Security & Control ★★★★★ 3.8/5
- Card Control Features 4.0
- Fraud Protection 4.0
- Virtual Card Experience 3.5
- Incident Resolution 3.5
- Real-Time Monitoring 4.0
Benefits Usability ★★★★★ 3.8/5
- Ease of Earning 3.5
- Ease of Tracking 4.0
- Real-World Value 4.0
- Rules Simplicity 3.5
- Ease of Redeeming 4.0
Pros & Cons Wells Fargo Choice Privileges Select Mastercard
Pros
- ✓Excellent earn rates at Choice Hotels
- ✓Comprehensive travel insurance
- ✓No foreign transaction fees
Cons
- ✗Annual fee not waived first year
- ✗Limited cashback options
- ✗No introductory APR or balance transfer offer
Expert Analysis
AI Analysis
Citocred AI
The Wells Fargo Choice Privileges Select Mastercard is excellent for frequent Choice Hotel guests.
Full analysis
It provides a robust point-earning rate and solid travel benefits, such as extensive travel insurance and no foreign transaction fees. However, it charges an annual fee from the first year and lacks introductory APR or balance transfer offers, limiting its appeal for those looking to build credit or earn cash back.
Best for
frequent Choice Hotels guests
Avoid if
those seeking cash back or introductory offers
AI-generated analysis · Methodology by Harlon Drosghic
frequent Choice Hotels guests
those seeking cash back or introductory offers
Frequently Asked Questions
Wells Fargo Choice Privileges Select Mastercard
What is the annual fee for the Wells Fargo Choice Privileges Select Mastercard?
Does the Wells Fargo Choice Privileges Select Mastercard have a rewards program?
Does the Wells Fargo Choice Privileges Select Mastercard include airport lounge access?
Does the Wells Fargo Choice Privileges Select Mastercard include travel insurance?
Who should get the Wells Fargo Choice Privileges Select Mastercard?
Is the Wells Fargo Choice Privileges Select Mastercard worth it?
The Wells Fargo Choice Privileges Select Mastercard provides a set of benefits designed to add genuine value to your financial routine:
Points Program
Choice Privileges
Contactless Payment
Virtual Card
International Acceptance
See 9 benefits not included in this card
- Cashback See which cards include this benefit →
- Miles Program See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Purchase Protection See which cards include this benefit →
- Extended Warranty See which cards include this benefit →
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Features — Detalhes
Fees
Rewards
Premium
Digital
Additional Benefits
- • Trusted Traveler Program Statement Credit
- • Cellular Telephone Protection
- • Mastercard World Elite benefits
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
We maintain full editorial independence — no issuer pays for ranking position. 'Apply' links may include affiliate referrals that support our free content. This never influences our editorial scores or assessments.
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Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.