The Wells Fargo Choice Privileges® Mastercard makes it easy for frequent guests to rack up rewards points for free nights at over 7,000 Choice Hotel locations worldwide. With no annual fee, this co-branded hotel rewards card offers strong bonus earnings on Choice purchases and handy everyday spend categories.

Benefits of Choice Privileges® Mastercard

The benefits offered by this credit card can surely complement you with your day-to-day life. Here are the most outstanding benefits out of them.

Earn 5X points per $1 spent at Choice Hotels;
3X points as gas stations, grocery stores, home improvement stores, phone plans;
Cell phone protection;
No foreign transaction fees;
Auto Gold status + 10 elite night credits per year.

With bonus categories ranging from Choice Hotels stays to daily purchases like gas and groceries, the Wells Fargo Choice Privileges® Mastercard provides an easy way to accelerate rewards earnings. Perks like cell phone protection, no foreign transaction fees, and automatic elite status further increase this card’s value.

Prerequisites

To qualify for approval for the Wells Fargo Choice Privileges® Mastercard, you’ll typically need good to excellent credit (690+ credit score). As an unsecured credit card with no annual fee and cardholder perks, approval generally requires a decent credit history demonstrating responsible usage and on-time payments.

First-time card applicants should check their FICO credit score to understand their standing across factors like payment history, credit utilization, credit age, new credit inquiries, and credit mix. Building a strong score takes diligence across each category over time. Those new to credit may need to begin with a secured card to establish positive history.

With no annual fee and benefits tailored specifically to Choice Hotel loyalists, the Choice Privileges card welcomes those with prime credit. Approval odds increase above 700, with the best terms and rates held for 750+ exceptional credit. Before applying, verify your current scoring and address any credit report issues – maximizing your approval chances for this rewards card.

About Wells Fargo

Wells Fargo has a long history dating back to 1852. Now one of the largest banks in the US, Wells Fargo provides various financial services to over 70 million customers nationwide. Known for its extensive network of over 5,000 brick-and-mortar branches and 13,000 ATMs, Wells Fargo has augmented its traditional retail banking presence with robust digital banking capabilities as well.

For those who enjoy visiting physical locations, Wells Fargo offers neighborhood branches providing friendly tellers and convenient access to cash. And for banking on-the-go, Wells Fargo’s website and mobile app make it simple to manage accounts anytime.

With stability spanning over 170 years and services tailored to in-person and digital preferences, Wells Fargo provides the capabilities expected from a banking leader. The Choice Privileges® Mastercard® leverages Wells Fargo’s history and infrastructure to deliver strong rewards value and service to cardholders.

Who is this card for?

The Wells Fargo Choice Privileges Mastercard is ideal for people who frequently stay at one of the 7,000+ Choice Hotel properties worldwide. Brands like Comfort Inn, Quality Inn, Clarion, Ascend, and more provide convenient and affordable lodging for business and leisure travelers.

If you often lay your head down at a Choice Hotel for work trips or family vacations, this card delivers outstanding value. The high rewards earnings from the 5X points on Choice purchases and automatic Gold status perks provide significant benefits each visit.

Even those who only occasionally visit Choice Hotels can benefit from the 3X bonus categories covering daily spending. But to maximize value, the Wells Fargo Choice Privileges Mastercard shines for Choice loyalists.

PRESS HERE TO APPLY TO WELLS FARGO PRIVILEGES MASTERCARD

Step by Step Card Application

Follow these steps to apply for the Wells Fargo Choice Privileges® Mastercard:

Click the “Apply Now” button on the Wells Fargo Choice Privileges® Card website;
Review terms and details like rates, fees, and bonuses before submitting the secure application form with your personal details;
Enter information like your name, address, date of birth, Social Security Number, and income source to allow Wells Fargo to run a credit check;
Receive an instant decision on your application if approved. Or wait 7-10 days for a decision letter by mail if more review is needed;
Download the Wells Fargo Mobile App (iOS/Android) to monitor your new account and payments.

PRESS HERE TO DOWNLOAD THE WELLS FARGO CHOICE PRIVILEGES MASTERCARD MOBILE APP ON IOS

PRESS HERE TO DOWNLOAD THE WELLS FARGO CHOICE PRIVILEGES MASTERCARD MOBILE APP ON ANDROID

Positives and Negatives

Pros

No annual fee makes card easy to keep long-term;
5X points on Choice purchases add up quickly;
Cell phone protection up to $800 per claim;
Auto Gold status unlocks elite perks and bonus points.

Cons

High variable APR around 20-30%;
Points less valuable if you don’t stay at Choice Hotels;
No sign-up bonus beyond first year.

While the high earnings on Choice purchases provide tremendous value if you stay at these hotels, you miss out on some of that upside if you like to shop around. And with no annual fee, there’s little downside beyond the high interest rates you’ll want to avoid.

Ultimately, the Wells Fargo Choice Privileges Mastercard is best suited for Choice Hotel devotees rather than general travel rewards seekers. But occasional Choice guests can still benefit from the strong bonus category earnings and useful perks.

How to Unlock Your Card

Follow these steps to activate your new Wells Fargo Choice Privileges® Mastercard®:

Call the number on the sticker on your card. This is typically a 1-800 number specifically for card activation;
When prompted, enter your 16-digit card number and 4-digit security code to verify your identity;
Set your personalized 4–8-digit ATM/debit card PIN number for making purchases and withdrawals;
The system will automatically activate your card for use after choosing your PIN;
Register your card on Wells Fargo Online to view your balance, statements, make payments, set alerts, and customize controls.

Be sure to sign the back of your physical credit card immediately for added security. Now your card is ready to use for purchases or ATM access!

Fees & Interest Rates

The Wells Fargo Choice Privileges® Mastercard® has the following pricing details:

No annual fee: there is no yearly fee to carry this card;
APRs from 20.99% to 29.99% Variable: this card has a relatively high interest rate if you carry a balance month-to-month. Try to pay in full each billing cycle to avoid interest charges;
3% Foreign Transaction Fee: using your card internationally will incur a 3% fee on the transaction amount.

See the full pricing details for rates, fees, and cost information before applying to ensure this card matches your needs and budget.

Customer Service Contacts

If you have questions or issues about the Wells Fargo Choice Privileges® Mastercard®, contact Wells Fargo using these customer service channels:

Phone: call 1-800-869-3557, 24 hours a day, 7 days a week;
Twitter: tweet @Ask_WellsFargo to ask questions publicly;
Website: wellsfargo.com provides account management, payment options, statement details;
Mobile App: manage your account, make payments, set alerts via iPhone/Android app;

With multiple ways to get assistance and resources on the Wells Fargo website and mobile banking app, you can easily manage your Choice Privileges® Mastercard®.

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How to apply to Wells Fargo Choice Privileges® Mastercard

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