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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 sourceWhat is Anniversary bonus points (~30,000 pts)?A points bonus paid each year you keep the card, on your account anniversary. On this card: Each account anniversary; value at ~0.6c/pt Inferred by source |
|---|---|
| Global Entry / TSA PreCheck credit | $30/yr · annual Verified by sourceWhat is Global Entry / TSA PreCheck credit?Global Entry speeds up US customs and immigration when you arrive from abroad, and includes TSA PreCheck. TSA PreCheck alone is the expedited domestic security lane. This reimburses the government application fee. On this card: Up to $120 every 4 years; pay the app fee with the card 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 |
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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.