Last Updated: 07/28/2025
Choice Privileges® Select Mastercard® Credit Card
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in Credit Cards from Wells Fargo Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
20.49% - 29.74%(Verified 11/13/2024)
Balance Transfer APR (Variable APR)
20.49% - 29.74%(Verified 11/13/2024)
Credit Score Range
670 - 850
Annual Fee
$95
Choice Privileges® Select Mastercard® Credit Card Review
This is a travel card issued by Wells Fargo Bank. If you're wondering whether Choice Privileges® Select Mastercard® Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.49% up to 29.74%.
- A 5% balance transfer fee. Choice Privileges® Select Mastercard® Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Choice Privileges® Select Mastercard® Credit Card
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Choice Privileges® Select Mastercard® Credit Card FAQ
Does Choice Privileges® Select Mastercard® Credit Card have a cash back or rewards program?
Choice Privileges® Select Mastercard® Credit Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 5 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 5 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Home Improvement Purchases | 5 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 10 x points (Points on stays at participating Choice Hotels® properties2 plus on Choice Privileges point purchases.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Choice Privileges® Select Mastercard® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Choice Privileges® Select Mastercard® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Choice Privileges® Select Mastercard® Credit Card benefits?
Choice Privileges® Select Mastercard® Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Choice Privileges® Select Mastercard® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Choice Privileges® Select Mastercard® Credit Card has a variable purchase APR that ranges from 20.49% up to 29.74%. The card has a variable balance transfer APR that ranges from 20.49% up to 29.74%.
Does Choice Privileges® Select Mastercard® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Choice Privileges® Select Mastercard® Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Choice Privileges® Select Mastercard® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95.
There is a late fee of up to $40 . Does Choice Privileges® Select Mastercard® Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Choice Privileges® Select Mastercard® Credit Card?
The customer service number for Choice Privileges® Select Mastercard® Credit Card is (800) 877-4833.
What is the support contact email for Choice Privileges® Select Mastercard® Credit Card?
The support contact email for Choice Privileges® Select Mastercard® Credit Card is corporateresponsibility@wellsfargo.com.
What is the login page for Choice Privileges® Select Mastercard® Credit Card?
You can access the login page of Choice Privileges® Select Mastercard® Credit Card here.
How do people rate the customer service and user experience of Choice Privileges® Select Mastercard® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Choice Privileges® Select Mastercard® Credit Card report your account activity to credit bureaus?
Yes, Choice Privileges® Select Mastercard® Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Wells Fargo Bank perform a hard credit pull?
Yes, Choice Privileges® Select Mastercard® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Choice Privileges® Select Mastercard® Credit Card
- Visit the website of Choice Privileges® Select Mastercard® Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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