Choice Privileges® Select: Strong Rewards for Choice Hotel Stays
Earn 10x points on Choice Hotels stays and 5x points on everyday purchases, plus enjoy automatic Platinum elite status and annual bonus points that can be used toward free nights.
The Bottom Line
4.2
BIG4CREDIT RANKING
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fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
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Choice Privileges® Select is a strong mid-tier hotel card for travelers who stay with Choice Hotels and want more value then a no-annual-fee option without stepping into luxury-card pricing. You'll earn 10x points on Choice Hotels® stays and Choice Privileges® point purchases, plus 5x points on everyday spending like gas, groceries, home improvement, and phone plan services. The card also comes with useful benefits like elite Platinum status and anniversary points. The card works best for travelers who regularly choose Choice Hotels and can take advantage of its perks each year. However, it’s less appealing if you prefer flexible travel rewards or stay across different hotel brands. If you’re loyal to Choice, this card can add solid value to your stays.
Choice Privileges® Select
Apply now
On Wells Fargo's Secure Website
Annual fee:
$95
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.74% - 28.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 10x points on Choice Hotels® stays and on Choice Privileges® point purchases. Earn 5x points at gas stations, grocery stores, home improvement stores, and phone plan services, plus 1x on all other purchases.
1x - 10x Points
Welcome Offer Earn 60,000 bonus points after spending $3,000 in the first 3 months - enough to redeem for up to 7 reward nights at Choice Hotels®.
60,000 Points
Welcome Offer
- Earn 60,000 bonus points after spending $3,000 in the first 3 months - enough to redeem for up to 7 reward nights at Choice Hotels®.
Rewards
- 10x Points on Choice Hotels® stays and on Choice Privileges® point purchases.
- 5x Points Categories:
- Grocery Stores
- Gas/EV Charging Stations
- Home Improvement Stores
- Phone Plan Services
- 1x Points on all other purchases.
Redemption Options
- Redeem Points at Choice Privileges.
Fees and APR
- Annual Fee: $95.
- Regular APR: 19.74%, 25.49%, or 28.49% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Annual Credits & Statement Credits
- Anniversary Bonus: Earn 30,000 bonus points each account anniversary, enough for up to three free reward nights at participating Choice Hotels® properties.
Travel Benefits
- Up to $120 Global Entry or TSA PreCheck® Credit: Receive a statement credit (up to $120 every four years) as reimbursement for your Global Entry® or TSA PreCheck® application fee.
- Mastercard Travel & Lifestyle Services: Access to curated hotel and travel bookings with potential upgrades and amenities, plus a 24/7 lifestyle concierge. Includes a Lowest Hotel Rate Guarantee and Hotel Stay Guarantee when booking through the program. Purchases are billed to your card; terms apply.
Hotel Elite Status
- Choice Privileges® Platinum Elite Status: Receive 20 elite night credits each year, which qualifies you for Platinum Elite status. Enjoy the perks of Platinum Elite Status and earn 25% bonus points every time you book a qualifying stay with Choice® hotels.
- Fast-Track Your Status and Rewards: Earn points on everyday purchases to upgrade to higher elite status faster and accelerate your rewards earning.
- Milestone Rewards: Earn rewards more frequently throughout the year, including bonus points, gift cards, and other valuable perks.
Travel Protections
- Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is secondary and provides reimbursement up to $50,000.
- Trip Cancellation & Interruption Insurance: Get reimbursed up to $5,000 per person and $20,000 per year for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
- Lost Luggage Reimbursement: Get up to $3,000 per all covered travelers to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
- $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance: Receive coverage of up to $1,000,000 for a covered loss resulting from an accident while traveling on a common carrier when you pay for the trip with your card.
Travel & Emergency Assistance
- Mastercard Global Service™: 24/7 worldwide assistance for lost or stolen cards, emergency card replacement, and emergency cash advances when traveling.
Purchase Protections
- Cell Phone Protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible card. Coverage is subject to a $25 deductible.
Lifestyle Perks
- Concierge Service: Get 24/7 concierge assistance for dining, entertainment, and travel requests.
Additional Features
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
Terms and Conditions
Click Apply Now to see the terms and conditions.
EarnSmart Rewards Strategy
- Custom Cash®: Earn 5% cashback on your top eligible spending category each billing cycle (up to the cap), helping maximize rewards in common spending categories like dining. 👉 Learn more about Custom Cash®.
- Active Cash®: Earn unlimited 2% cashback on all purchases, providing a strong return on everyday spending outside Choice hotel stays. 👉 Learn more about Active Cash®.