Choice Privileges® Select Mastercard®
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.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 3%
- Annual fee
- $95
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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 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 95% 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 3% effective value (5x points at about 0.6 cents each). That grocery rate ranks higher than about 95% 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 | 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 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 95% 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. 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 3% effective (5x points).
- That grocery rate ranks higher than about 95% 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.
Does the Choice Privileges Select Mastercard have an annual fee, and what's the welcome bonus?
The Choice Privileges Select Mastercard has an annual fee of $95 and a foreign transaction fee of None. 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.. Confirm current issuer terms before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- 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.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Trusted traveler creditEnroll 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 nightEarn 30,000 bonus points every account anniversary, enough for at least one night at any eligible Choice Hotels property.
What benefits come with the Choice Privileges Select Mastercard?
- Anniversary bonus
Earn 30,000 bonus points every account anniversary, enough for at least one night at any eligible Choice Hotels property.
- 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.
- 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.
- Global Entry or TSA PreCheck®
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®.
- 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.
Common questions about the Choice Privileges Select Mastercard
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. 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 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Choice Privileges Select Mastercard?
Madeen's catalog lists a typical credit range of Good for the Choice Privileges Select 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 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 |
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