- Sign-Up Bonus
- 5
- Spending Multipliers
- 2
- Credits & Features
- 1
- Fees
- 5
- Application
- 4
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 5
- Spending Multipliers
- 2
- Credits & Features
- 1
- Fees
- 5
- Application
- 4
- Issuer
- NaN
The Choice Privileges Mastercard is a no-annual-fee travel rewards credit card tailored for frequent guests of Choice Hotels or budget-minded travelers who want simple benefits without extra costs. With no foreign transaction fee and cell phone protection up to $800 when you pay your monthly bill with the card, it offers valuable everyday protections and international usability for users who take trips abroad. Cardholders also receive automatic Gold Elite membership in the Choice Privileges program, which can unlock perks like late checkout and enhanced hotel benefits that appeal to loyal Choice travelers. However, with 1x points on most purchases and a valuation of about 0.6 cents per point, it’s not designed for maximizing everyday rewards earnings compared to flat-rate cash back cards. Overall, the Choice Privileges Mastercard is best for travelers who frequently stay at Choice-branded hotels, want modest rewards with no fees, and value elite status perks more than high reward rates.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Consider having a credit history for at least 2 years
- You can only open 1 Wells Fargo card in a 6 month period
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- 19.74% - 28.49% Variable APR
- 29.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 19.74% - 28.49% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)