Wells Fargo · Mastercard · personal · Choice Privileges
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
$360
sign-up bonus ≈ 60000 points after $1,000/3mo
Earning
| Choice Hotels (Hotels (booked direct))
Stays at participating Choice Hotels properties and Choice Privileges point purchases
|
5x | 3% |
| Gas stations
Gas stations
|
3x | 1.8% |
| Groceries (supermarkets)
Grocery stores
|
3x | 1.8% |
| Home improvement
Home improvement stores
|
3x | 1.8% |
| Phone, internet, cable
Phone plan services
|
3x | 1.8% |
| Everything else | 1x | 0.6% |
Right column: value per $ at travel valuation (0.6¢/pt).
Credits
None.
Benefits
- No foreign transaction fees — No foreign currency conversion fee on purchases converted to U.S. dollars
- Choice Privileges Gold Elite status — Automatic Gold Elite via 10 Elite Qualifying Nights each calendar year; 10% bonus points on qualifying Choice stays
- Cell phone protection — Up to $800 per claim against damage or theft, $25 deductible, max 2 paid claims per 12 months (pay monthly bill with the card)
- Mastercard World Elite benefits
- No annual fee
Protections
| rental car | secondary |
| cell phone | Up to $800 per claim, $25 deductible, 2 paid claims per 12 months |
Notes
No-annual-fee Choice Hotels co-brand. Gold Elite status comes via 10 Elite Qualifying Nights deposited each calendar year. Issuer page also advertises a new 'Milestone Rewards' program. Rental car CDW level not stated on the issuer page (secondary is Wells Fargo's usual). Web-verified 2026-09-08 against https://creditcards.wellsfargo.com/choice-hotel-privileges-mastercard/.