Master the art of travel rewards: Wells Fargo Choice Privileges® Mastercard®

Elevate every journey: tailored rewards, endless possibilities with Wells Fargo Choice Privileges Mastercard.

The Wells Fargo Choice Privileges® Mastercard® is designed for travelers who value rewards and convenience. This Wells Fargo credit card stands out in the best of the best credit cards category, offering an impressive rewards program tailored for Choice Hotels enthusiasts.

With no annual fee, this Mastercard credit card maximizes value, allowing cardholders to earn points rapidly on everyday purchases and hotel stays. It’s an ideal choice for those seeking best credit cards with rewards and no annual fee, offering a lucrative point system for Wells Fargo credit card points.

This card not only facilitates earning rewards on daily expenditures but also enhances travel experiences, making it a top contender in credit card rewards programs and Mastercard rewards.




  • Rewarding point system: Accumulate points swiftly with 5X on Choice Hotels and point purchases, 3X on essential categories like gas, groceries, home improvement, and phone services, and 1X on all other expenditures. This structure positions it among the best credit cards with rewards and no annual fee.
  • Welcome bonus: A generous offer of 40,000 bonus points after spending $1,000 in the first 3 months, equivalent to up to 5 free nights at select hotels, marking it as a standout in credit card rewards programs.
  • Cost efficiency: With no annual fee, this card offers significant value, aligning with the best of the best credit cards for budget-conscious travelers.
  • Comprehensive protections: Receive up to $800 in cell phone protection and enjoy the absence of foreign transaction fees, enhancing the card’s utility for international travelers.
  • Exclusive mastercard® advantages: Benefit from Mastercard World Elite perks including advanced security options, unique offers, and extensive travel and lifestyle services, solidifying its place as a top-tier option in mastercard rewards.


  • Targeted spending rewards: The structured rewards cater to frequent travelers and spenders in specific categories, making it an excellent fit for those who can maximize these benefits.
  • Credit requirements: Prospective cardholders should have a good credit standing to qualify, emphasizing the need to review credit health before applying.

This Wells Fargo credit card embodies a blend of lucrative rewards, financial flexibility, and exclusive privileges, making it a compelling choice for those aligned with its benefits spectrum.

Eligibility criteria

To qualify for the Wells Fargo Choice Privileges® Mastercard®, applicants should have a good credit score. Wells Fargo evaluates not only the credit score but also the overall credit history and financial stability of the applicant. Key factors include:

  • Credit history and score: A strong credit history and high credit score are crucial to demonstrate financial reliability and increase the likelihood of approval.
  • Income stability: Applicants need a stable source of income to manage credit payments effectively.
  • Identification and residency: A Social Security number or Individual Taxpayer Identification Number (ITIN), along with a physical U.S. address, is necessary, adhering to federal guidelines.
  • Banking relationship: Although not mandatory, having a pre-existing relationship with Wells Fargo could potentially aid in the application process.

Before applying, it’s advisable to review your credit report for any discrepancies that might affect your application. Understanding your financial standing and aligning it with the card’s benefits is vital to maximize its value, especially for those interested in credit card rewards programs and Mastercard rewards.

About Wells Fargo Bank

Wells Fargo Bank, established in 1852, is an honorable institution in the banking world, known for its comprehensive array of financial products including the Wells Fargo Choice Privileges® Mastercard®.

This card, part of Wells Fargo’s extensive portfolio of Wells Fargo credit cards, is designed to meet the varied financial needs of customers, offering credit card reward programs and Mastercard rewards that stand out in the market.

With a history of innovation and a commitment to customer satisfaction, Wells Fargo has built a reputation for reliability and excellence, making it a go-to choice for individuals seeking best of the best credit cards and best credit cards with rewards and no annual fee.

Ideal candidates for the Wells Fargo Choice Privileges® Mastercard®

The Wells Fargo Choice Privileges® Mastercard® is perfect for travel enthusiasts and hotel-goers who wish to maximize their stays and rewards. It’s particularly suitable for individuals who:

  • Regularly stay at Choice Hotels and want to earn significant rewards for their loyalty;
  • Frequent travelers looking to accrue points on everyday purchases like gas and groceries, enhancing their travel experiences;
  • Seek the prestige of Gold Elite status with its additional perks and point bonuses.;
  • Desire comprehensive travel protections and benefits, such as cell phone coverage and no foreign transaction fees;
  • Appreciate the Mastercard rewards program and its array of luxury travel and lifestyle services.

This card marries convenience with luxury, offering a rich rewards program that accelerates the journey to more enjoyable travel experiences, making it a strategic choice for savvy travelers and reward maximizers.


Applying for the Wells Fargo Choice Privileges® Mastercard®

To apply for the Wells Fargo Choice Privileges® Mastercard®:

  1. Eligibility check: Ensure you’re at least 18, meeting the residency requirements of the U.S. or its territories;
  2. Online application: Navigate to the Wells Fargo Choice Privileges® Mastercard® application page;
  3. Information submission: Enter necessary personal and financial details in the provided form;
  4. Submit application: Complete and submit your form for Wells Fargo’s evaluation.

Positive and negative

Overall, the card offers a number of attractive benefits for travelers and frequent spenders, but it’s important to consider the eligibility requirements, rewards structure and associated fees to determine if it’s the right choice for each individual.


  • Generous welcome bonus: The card offers a sizable welcome bonus, which is an attractive perk for new cardholders.
  • Abundant rewards structure: Cardholders can accumulate points quickly with a robust rewards structure, providing a wide range of opportunities to accumulate points.
  • No annual fee: The card has no annual fee, making it a financially attractive option for those looking to maximize their rewards without incurring additional costs.
  • Additional benefits: In addition to point rewards, the card offers extra benefits such as cell phone protection and no foreign currency conversion fees, further improving the value perceived by cardholders.


  • Credit requirements: To qualify for the card, applicants must have a good credit history, which may exclude some individuals who do not meet these eligibility criteria.
  • Focused rewards structure: While rewards are generous, they are most beneficial to those who consistently spend in specific categories, such as Choice hotels, gas, and groceries. This can limit the perceived value for those who don’t fall into these spending categories.
  • Variable interest rates: Card interest rates are variable and can be relatively high depending on the cardholder’s credit history, which may result in additional charges if the balance is not paid in full each month.

Activating your Wells Fargo Choice Privileges® Mastercard®

To activate your Wells Fargo Choice Privileges® Mastercard®:

  1. Receive your card: After approval, the card will be sent to you.
  2. Online activation: Visit Wells Fargo’s card activation portal or use the mobile app.
  3. Enter card information: Input your card number and personal information as required.
  4. Complete Activation: Follow the instructions to activate your card, enabling you to start accruing points on purchases and enjoy the benefits of your mastercard rewards.

Fees and charges

The Wells Fargo Choice Privileges® Mastercard® comes with a range of financial features for cardholders. There is no annual fee for this card.

As for the APR, it is variable and ranges from 20.99% to 29.99%, depending on the cardholder’s creditworthiness.

The card does not impose foreign transaction fees, making it a suitable option for international travelers.

A balance transfer fee of up to 5% (minimum $5) applies, offering some flexibility in managing credit across different accounts​​.

Find out more about the card’s rates and fees by clicking here.


Customer service

For assistance with the Wells Fargo Choice Privileges® Mastercard®, reach out via:

  • Phone support: Contact 1-800-642-4720 for queries or concerns.
  • Chat support: Utilize Wells Fargo’s website or app for streamlined account management and services.

Did you like the tip? Discover other credit cards for US residents on our website.