LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Wells Fargo Choice Privileges Mastercard Review

Wells FargoMastercardTravelNo annual fee

Wells Fargo Choice Privileges Mastercard earned 4.0 / 5 in our 2026 review. The Wells Fargo Choice Privileges Mastercard earns 8x on choice hotels with no annual fee, a 40,000 bonus points welcome offer. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-05-01
Wells Fargo Choice Privileges Mastercard credit card
Apply at Wells Fargo Compare all cards
TL;DR
Annual fee
$0
Signup bonus
$240
Top reward rate
8x on choice hotels
Intro APR
None
Issuer
Wells Fargo
Network
Mastercard
Min credit score
660
Fintiex rating
4.0 / 5
Pros
  • +8x points at Choice Hotels (Comfort Inn, Quality Inn, Clarion, Radisson, and more)
  • +5x points at gas stations and restaurants
  • +1x points on all other purchases
  • +No annual fee
  • +Automatic Gold status with Choice Privileges
  • +40,000 bonus points after $1,000 spend in first 3 months
  • +Points transferable to airline miles with select partners
  • +Complimentary in-room Wi-Fi at eligible properties
Cons
  • -3% foreign transaction fee
  • -Choice Hotels primarily budget and midscale brands
  • -Points value is relatively low (about 0.6 cents each)
  • -No premium hotel benefits like room upgrades or late checkout
  • -Gold status provides limited perks
  • -No lounge or travel credits

Rewards detail

choice hotels
8x
gas
5x
dining
5x
everything else
1x

Fintiex values Wells Fargo points at about 0.60 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$0
Purchase APR
20.24% to 30.24%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
20.24% to 30.24%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
3%
Who it's for

The Choice Privileges Mastercard is built for people who want a travel or no annual fee card. Most approvals land at FICO 660 and above, but issuers prefer scores near 690. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Preferred Card
5x on travel via Chase
$95 fee→
Chase
Sapphire Reserve
10x on chase travel portal
$550 fee→
American Express
Platinum Card
5x on flights amex travel
$695 fee→
Capital One
Venture X Rewards Credit Card
10x on hotels capital one travel
$395 fee→

Frequently asked questions

Does the Choice Privileges Mastercard have a foreign transaction fee?
Yes. The Wells Fargo Choice Privileges Mastercard charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Choice Privileges Mastercard?
Approvals typically start around a FICO score of 660, but Wells Fargo prefers 690 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Choice Privileges Mastercard signup bonus?
New cardholders earn 40,000 bonus points after spending $1,000 in the first few months. Fintiex values that at about $240 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Choice Privileges Mastercard have a 0% intro APR offer?
No. The Wells Fargo Choice Privileges Mastercard does not currently offer a 0% intro APR period. The standard variable purchase APR is 20.24% to 30.24%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Choice Privileges Mastercard?
$0. The Wells Fargo Choice Privileges Mastercard has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Choice Privileges Mastercard worth it?
Fintiex rates the Wells Fargo Choice Privileges Mastercard 4.0 out of 5 for 2026. It is best for travel and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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