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.
$95
annual fee
0%
foreign txn fee
$30
credits/yr realistic ($30 face)
$360
sign-up bonus ≈ 60000 points after $3,000/3mo
Earning
| Choice Hotels (Hotels (booked direct))
Stays at participating Choice Hotels properties and Choice Privileges point purchases
|
10x | 6% |
| Gas stations
Gas stations
|
5x | 3% |
| Groceries (supermarkets)
Grocery stores
|
5x | 3% |
| Home improvement
Home improvement stores
|
5x | 3% |
| Phone, internet, cable
Phone plan services
|
5x | 3% |
| Everything else | 1x | 0.6% |
Right column: value per $ at travel valuation (0.6¢/pt).
Credits
- $120 Global Entry / TSA PreCheck credit /every 4 years · easy to useOne statement credit up to $120 every four years for a Global Entry or TSA PreCheck application fee charged to the card
Benefits
- No foreign transaction fees — No foreign currency conversion fee on purchases converted to U.S. dollars
- Choice Privileges Platinum Elite status — Automatic Platinum Elite via 20 Elite Qualifying Nights each calendar year (counts toward Diamond's 40); 25% bonus points on Choice stays
- 30,000 bonus points every account anniversary
- Global Entry / TSA PreCheck credit — Up to $120 every four years
- 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
Protections
| rental car | secondary |
| cell phone | Up to $800 per claim, $25 deductible, 2 paid claims per 12 months |
Notes
$95 Choice Hotels co-brand. Platinum Elite status comes via 20 Elite Qualifying Nights each calendar year; 30,000 anniversary points roughly offset the fee. Issuer page also advertises 'Fast track your status' and 'Milestone Rewards'. 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-hotels-privileges-select-mastercard/.