Imagine booking your next hotel stay knowing you’ll earn free nights faster than ever. Finding the right credit card can make all the difference, especially if you’re a frequent traveler looking to maximize rewards and perks. The Choice Privileges® Mastercard®, issued by Wells Fargo, is designed to help you maximize rewards on hotel stays and everyday purchases. With generous bonus points, no annual fee, and elite status perks, this card is a great option for those who frequently stay at Choice Hotels® properties.
In this guide, we’ll cover everything you need to know about the Choice Privileges Mastercard, including its benefits, fees, how to apply, and frequently asked questions.
Why the Choice Privileges Mastercard is a Must-Have for Travelers
The Choice Privileges Mastercard offers an impressive lineup of benefits for travelers. Here’s what you can expect:
Generous Rewards Program
- Earn 5X points per dollar spent at eligible Choice Hotels.
- Earn 3X points per dollar on purchases at gas stations, grocery stores, and home improvement stores.
- Earn 1X point per dollar on all other eligible purchases.
- Anniversary Bonus: Earn 30,000 bonus points after spending $10,000 in a calendar year.
- Generous Welcome Bonus: New cardholders can earn 40,000 bonus points after spending $1,000 in the first three months. This is enough for up to 5 free nights at select Choice Hotels properties.
Flexible Redemption Options
- Redeem points for free nights at over 7,000 Choice Hotels worldwide.
- Use points for gift cards, travel experiences, and shopping discounts.
- Transfer points to airline partners for even more travel flexibility.
No Annual Fee
- Enjoy all the benefits without worrying about an annual fee eating into your savings.
Travel and Purchase Protections
- Zero Liability Protection: You won’t be held responsible for unauthorized transactions.
- Fraud Monitoring: 24/7 security monitoring for suspicious activities.
- Contactless Payments: Tap and go for secure, fast transactions.
Automatic Elite Status
Cardholders automatically receive Gold Elite Status, which comes with perks like early check-in, late check-out, and 10% extra points on stays.
No Foreign Transaction Fees
If you travel abroad, you won’t have to worry about additional charges when making purchases in foreign currencies.
Cell Phone Protection
Pay your monthly cell phone bill with the Choice Privileges Mastercard, and you’ll receive up to $800 in protection against damage or theft, with a $25 deductible.
Mastercard® World Elite Benefits
This card includes exclusive Mastercard World Elite perks, such as concierge service, exclusive travel offers, and access to luxury hotel programs.
Things to Consider Before Applying
While the Choice Privileges Mastercard has many benefits, it’s important to consider a few things before applying:
- Good to excellent credit required – Applicants typically need a credit score of 700+ for approval.
- Limited redemption options – The best value comes from redeeming points for Choice Hotels stays, meaning this card is best suited for loyal customers.
- Variable APR – If you carry a balance, the interest rate may be higher than some other travel cards.
Fees and Charges
Understanding the costs associated with the Choice Privileges Mastercard is crucial. Here’s a breakdown:
- Annual Fee: $0
- Foreign Transaction Fees: None
- APR for Purchases and Balance Transfers: Variable APR based on creditworthiness
- Cash Advance Fee: 5% (minimum $10)
- Late Payment Fee: Up to $40
- Fees and Charges
How to Apply for the Choice Privileges Mastercard
Applying for this card is straightforward and can be done online in just a few minutes. To get started, visit the official Wells Fargo website, navigate to the Choice Privileges Mastercard page, and click ‘Apply Now.’ You’ll need to provide personal information such as your name, Social Security number, income details, and employment status. Once submitted, you may receive an instant decision or be required to wait a few days for additional verification. Here’s a step-by-step guide:
1. Apply Online – The Fastest Way
Applying online is the quickest and most convenient method. Follow these steps to complete your application:
- Visit the official Wells Fargo website: Go to the Choice Privileges Mastercard page.
- Click on “Apply Now”: This will direct you to the secure application form.
- Fill in your details accurately: You’ll need to enter personal information, including:
- Social Security Number (SSN)
- Employment details and annual income
- Contact information (address, phone, email)
- Review the terms and conditions: Be sure to understand the APR, fees, and rewards before submitting.
- Submit your application: You may receive an instant decision, but if additional review is required, expect a response within 7-10 business days.
2. Apply via the Wells Fargo Mobile App – On the Go
If you prefer mobile banking, you can apply directly through the Wells Fargo app. Here’s how:
- Download the Wells Fargo Mobile App from the Apple App Store or Google Play Store.
- Log in or create an account: If you’re an existing Wells Fargo customer, your information may be pre-filled.
- Navigate to the “Credit Cards” section and select the Choice Privileges Mastercard.
- Check for pre-approved offers: Some users may qualify for pre-approval, making the process faster.
- Complete the application form and submit.
- Wait for a decision: Some applicants receive an instant response, while others may need further review.
3. Apply In-Person at a Wells Fargo Branch – Personalized Assistance
For those who prefer a face-to-face experience, applying at a Wells Fargo branch is a great option.
- Submit your application and wait for a decision. If approved, your card will arrive via mail in 7-10 business days..
- Find a branch near you: Use the Wells Fargo branch locator to find the nearest location.
- Bring the necessary documents:
- A government-issued ID (driver’s license, passport, etc.)
- Proof of income (pay stubs, tax returns, or bank statements)
- Social Security Number
- Speak with a representative who can guide you through the application, answer your questions, and clarify any doubts.
Contact Information
If you need assistance, here’s how you can get in touch with Wells Fargo:
- Customer Service: 1-800-642-4720
- Website: Wells Fargo Credit Cards
- Mailing Address: Wells Fargo Card Services, P.O. Box 51193, Los Angeles, CA 90051-5493
Frequently Asked Questions
1. Can I redeem Choice Privileges points for anything other than hotel stays?
Yes! While hotel stays provide the best value, you can also redeem points for gift cards, airline miles, and experiences.
2. What credit score do I need to qualify?
A good to excellent credit score (700+) is generally required for approval.
3. How long does it take to get approved?
Many applicants receive an instant decision, but in some cases, it may take a few days for further review.
4. Does the Choice Privileges Mastercard offer travel insurance?
While it doesn’t offer full travel insurance, it does include cell phone protection and Mastercard World Elite travel perks.
