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Wells Fargo · credit
Last updated
Is the Choice Privileges Select worth keeping when the fee hits?
Welcome offer — 60,000 bonus points after $3,000 spend in 3 months Verified by source
Apply on Wells Fargo's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 10× | Choice Hotels Verified by source |
|---|---|
| 5× | Gas Verified by source |
| 5× | Groceries Verified by source |
| 1× | Everything else Verified by source |
| Anniversary bonus points (~30,000 pts) | $180/yr · annual Inferred by source |
|---|---|
| Global Entry / TSA PreCheck credit | $30/yr · annual Verified by source |
Which of these will you actually use?
Pre-checked = a typical cardholder captures it. Uncheck the ones you won't.
No lounge access.
| Choice Privileges Platinum Elite status | Automatic elite status: 25% points bonus, upgrades, early check-in / late checkout Verified by source |
|---|
Using Choice Privileges Select at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | Up to 29.99% variable APR (no grace period) Estimated by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Choice Privileges® Select Mastercard® has a $95 annual fee.
Using its non-spend-gated credits fully, the Choice Privileges® Select Mastercard® returns about $210 in value against its $95 annual fee — a net of +$115 per year. It can pay for itself if you actually use the credits.
The Choice Privileges® Select Mastercard® earns 10x on choice hotels, 5x on gas, 5x on groceries.
No — the Choice Privileges® Select Mastercard® does not include airport lounge access.
No — the Choice Privileges® Select Mastercard® has no foreign transaction fee, so it's a good card to use abroad.
60,000 bonus points after $3,000 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.