Choice Privileges® Mastercard®
The Choice Privileges® Mastercard® from Wells Fargo earns up to 1.8% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months1 - enough to redeem for up to 5 reward nights at select Choice Hotels® properties.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 1.8%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Choice Privileges Mastercard earn in each category?
Grocery is the strongest category at 1.8% effective value (3x points at about 0.6 cents each). That grocery rate ranks higher than about 46% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 1.8% effective value (3x points at about 0.6 cents each). That grocery rate ranks higher than about 46% of the 1,552 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0.6% |
| Grocery Supermarkets and grocery stores | 3x points | 1.8% Top category |
| Gas Gas stations and fuel | 3x points | 1.8% |
| 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 Mastercard reward caps and conditions?
The Choice Privileges 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3X points on purchases at gas stations
- 3X points on purchases at grocery stores
Who should get the Choice Privileges Mastercard?
The Choice Privileges Mastercard fits spenders who put meaningful volume in grocery and can earn 3x points. Best for spenders who put meaningful volume in grocery and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Choice Privileges Mastercard fits spenders who put meaningful volume in grocery and can earn 3x points. Madeen ranks its grocery effective rate higher than about 46% 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 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 1.8% effective (3x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Choice Privileges Points value depends on how you redeem, not straight cash back.
Does the Choice Privileges Mastercard have an annual fee, and what's the welcome bonus?
The Choice Privileges Mastercard has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months1 - enough to redeem for up to 5 reward nights at select Choice Hotels® properties.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months1 - enough to redeem for up to 5 reward nights at select Choice Hotels® properties.
What benefits come with the Choice Privileges Mastercard?
The Choice Privileges Mastercard includes Automatic Gold Elite membership, Cell phone protection, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Automatic Gold Elite membership
Enjoy the perks of Gold Elite status and earn 10% bonus points every time you book a qualifying stay with Choice® hotels. That’s halfway to Platinum Elite status.
- Cell phone protection
Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Global emergency servicesIncluded with Standard Mastercard
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with Standard Mastercard
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with Standard Mastercard
Groceries 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+.
- Mastercard ID Theft ProtectionIncluded with Standard Mastercard
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
- Mastercard Music and Entertainment Access benefitIncluded with Standard Mastercard
Mastercard 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.
- Mastercard Transit BenefitIncluded with Standard Mastercard
Save 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.
Common questions about the Choice Privileges Mastercard
Does the Choice Privileges Mastercard have an annual fee?
The Choice Privileges Mastercard carries an annual fee of $0 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Choice Privileges Mastercard?
Grocery is the strongest Madeen category for the Choice Privileges Mastercard at about 1.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Choice Privileges Mastercard charge foreign transaction fees?
The Choice Privileges 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Choice Privileges Mastercard welcome bonus?
The Choice Privileges Mastercard welcome offer in our snapshot: Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months1 - enough to redeem for up to 5 reward nights at select Choice Hotels® properties.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Choice Privileges Mastercard?
Madeen's catalog lists a typical credit range of Good for the Choice Privileges Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Choice Privileges Mastercard?
Rewards on the Choice Privileges Mastercard post as Choice Privileges Points. Redemption value depends on how you use Choice Privileges Points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Choice Privileges Mastercard compare to similar cards?
Compare the Choice Privileges Mastercard against Choice Privileges Select Mastercard (3% on Grocery, $95 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 Mastercard This card | Grocery | 1.8% | $0 |
Wells Fargo | Grocery | 3% | $95 |
Wells Fargo | Travel | 4% | $95 |
Wells Fargo | Travel | 4% | $0 |
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