Points · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Wells Fargo Choice Privileges Mastercard is a no-annual-fee points card from Wells Fargo. Its best everyday rates are 3x on gas stations, 3x on grocery stores, and 3x on home improvement; everything else earns 1x. There is also 5x on Choice Privileges, a single-merchant rate. Rewards are Choice Privileges Points points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $138, an effective 0.6% back. The welcome bonus, 60,000 points after $1,000 in 3 months, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Choice Privileges Points often enough to use the perks. A general travel card earns points that go more places.
5X points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases
3X points on purchases at gas stations
3X points on purchases at grocery stores
3X points on purchases at home improvement stores
3X points on purchases on phone plan services
Earn 60,000 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.
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.
Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
These come from Mastercard, not from Wells Fargo. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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+.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
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.
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.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Choice Privileges® Mastercard®This card · 3x on gas stations | None | $138 | +$138 | 912th of 1,291 |
| Wells Fargo Active Cash®Wells Fargo's most-held other card · 2% on everything | None | $492 | +$492 | 284th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
