Points · Mastercard · $95 annual fee
Last verified 2026-09-09. Review issuer source
Wells Fargo Choice Privileges Select Mastercard is a $95-a-year points card from Wells Fargo. Its best everyday rates are 5x on gas stations, 5x on grocery stores, and 5x on home improvement; everything else earns 1x. There is also 10x 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 earns $194, which clears the $95 fee with $99 to spare before any credits or perks. The welcome bonus, 60,000 points after $3,000 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 free night. A general travel card earns points that go more places.
10X points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases
5X points on purchases at gas stations
5X points on purchases at grocery stores
5X points on purchases at home improvement stores
5X points on purchases on phone plan services
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.
Earn 30,000 bonus points every account anniversary, enough for at least one night at any eligible Choice Hotels property.
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.
Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
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®.
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® Select Mastercard®This card · 5x on gas stations | $95 | $194 | +$99 | 996th 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.
