Choice Privileges® Select Mastercard®
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Choice Privileges® Select Mastercard® from Wells Fargo earns up to 3% effective value on grocery in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties..
- Top category
- Grocery
- Effective value
- 3%
- Annual fee
- $95
Best for grocery-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Choice Privileges Select Mastercard earn in each category?
Grocery is the strongest category at 3% effective value (5x points at about 0.6 cents each). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Choice Privileges Select Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries.
Grocery is the strongest category at 3% effective value (5x points at about 0.6 cents each). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Choice Privileges Select Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0.6% |
| Grocery Supermarkets and grocery stores | 5x points | 3% Top category |
| Gas Gas stations and fuel | 5x points | 3% |
| Travel Flights, hotels, transit | 1x points | 0.6% |
| Other General everyday spend | 1x points | 0.6% |
Madeen values Choice Privileges Points at about 0.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Choice Privileges Select Mastercard reward caps and conditions?
The Choice Privileges Select Mastercard has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 5X points on purchases at gas stations
- 5X points on purchases at grocery stores
Who should get the Choice Privileges Select Mastercard?
The Choice Privileges Select Mastercard fits spenders who put meaningful volume in grocery and can earn 5x points. Best for spenders who put meaningful volume in grocery and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Choice Privileges Select Mastercard fits spenders who put meaningful volume in grocery and can earn 5x points. Madeen ranks its grocery effective rate higher than about 97% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 5x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 3% effective (5x points).
- That grocery rate ranks higher than about 97% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Choice Privileges Points value depends on how you redeem, not straight cash back.
What is the Choice Privileges Select Mastercard welcome bonus?
In Madeen's catalog snapshot, the Choice Privileges Select Mastercard welcome offer is Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the.
- Offer
- 60k Choice Privileges Points (~$360 estimated)
- Terms (catalog snapshot)
- Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.
- Minimum spend
- $3,000
- Window
- 3Months
Does the Choice Privileges Select Mastercard have an annual fee?
The Choice Privileges Select Mastercard has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What travel perks does the Choice Privileges Select Mastercard include?
The Choice Privileges Select Mastercard includes Trusted traveler credit, Free hotel night, Anniversary bonus, Automatic Platinum Elite membership and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
Enroll in Global Entry or TSA PreCheck and receive a statement credit of up to $120 every four years as reimbursement for the application fee charged to your Choice Privileges® Select Mastercard®.
Free hotel night
$175/yrEarn 30,000 bonus points every account anniversary, enough for at least one night at any eligible Choice Hotels property.
How we value this
Editorial: Anniversary or annual free-night awards are valued at ~$175 expected redemption (mid-tier hotel night), not face points.
What benefits come with the Choice Privileges Select Mastercard?
Cell phone protection
$7,200/yrUp to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Global Entry or TSA PreCheck®
$120/yrEnroll in Global Entry or TSA PreCheck and receive a statement credit of up to $120 every four years as reimbursement for the application fee charged to your Choice Privileges® Select Mastercard®.
Anniversary bonus
$100/yrEarn 30,000 bonus points every account anniversary, enough for at least one night at any eligible Choice Hotels property.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Automatic Platinum Elite membership
Enjoy the perks of Platinum Elite status and earn 25% bonus points every time you book and stay at a qualifying Choice® hotels. That’s 10 nights closer to earning Diamond status.
Related encyclopedia topics
Common questions about the Choice Privileges Select Mastercard
Where do cardholders spend most with the Choice Privileges Select Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (5x), furniture (5x), hardware (5x) for the Choice Privileges Select Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Choice Privileges Select Mastercard have an annual fee?
The Choice Privileges Select Mastercard carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Choice Privileges Select Mastercard?
Grocery is the strongest Madeen category for the Choice Privileges Select Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Choice Privileges Select Mastercard charge foreign transaction fees?
The Choice Privileges Select Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Choice Privileges Select Mastercard welcome bonus?
The Choice Privileges Select Mastercard welcome offer in our snapshot: Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Choice Privileges Select Mastercard annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in grocery and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Choice Privileges Select Mastercard compare to similar cards?
Compare the Choice Privileges Select Mastercard against Choice Privileges Mastercard (1.8% on Grocery, $0 fee); Wells Fargo Autograph Journey (4% on Travel, $95 fee); Wells Fargo Attune (4% on Travel, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Choice Privileges Select Mastercard This card | Grocery | 3% | $95 |
Wells Fargo | Grocery | 1.8% | $0 |
Wells Fargo | Travel | 4% | $95 |
Wells Fargo | Travel | 4% | $0 |
Wells Fargo | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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