Wells Fargo Choice Privileges® Mastercard®

Wells Fargo Mastercard World Elite Mastercard Pending

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10

Benefits

6

Reward Categories

10x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: wells-fargo-choice-privileges-mastercard

Issuer: Wells Fargo

Card Name: Wells Fargo Choice Privileges® Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World Elite Mastercard

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:58

Last Scraped: Feb 05, 2026 13:29

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The Military Annual Percentage Rate (MAPR) applicable to your account will not exceed 36%. For more information about the Military Lending Act, visit www.militaryonesource.mil/financial-legal/military-lending-act.

Rewards Program (Detailed) 6 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Hotels	10x	Points	On stays at participating Choice Hotels properties.	No Cap
Gas	4x	Points	On purchases at gas stations.	No Cap
Groceries	4x	Points	On purchases at grocery stores.	No Cap
Home Improvement	4x	Points	On purchases at home improvement stores.	No Cap
Phone Plans	4x	Points	On purchases for phone plans.	No Cap
All Other Purchases	1x	Points	On all other eligible purchases.	No Cap

Rewards Summary

PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x points per $1 spent at eligible Choice Hotels properties; 2x points per $1 spent on purchases at gas stations, grocery stores, and home improvement stores; 1x point per $1 spent on all other purchases

Quarterly Rotating: No

Expiration Policy: Points expire 2 years after they are posted to your account.

Travel Portal Multiplier: 1x

Transfer Partners: Aeroplan, Air France-KLM Flying Blue, Alaska Airlines Mileage Plan, American Airlines AAdvantage, Qantas Frequent Flyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club

Benefits & Protections (Detailed) 10 Total

PENDING

Rewards 5

Welcome Bonus Points

60,000 bonus points

Earn 60,000 bonus points after spending $1,000 in purchases in the first 3 months from account opening.

Choice Hotels Earning Rate

5X points per $1

Earn 5 points per $1 spent on eligible stays at Choice Hotels properties.

Bonus Category Earning Rate

2X points per $1

Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and home improvement stores.

Standard Earning Rate

1X point per $1

Earn 1 point per $1 spent on all other purchases.

Annual Bonus Points

10,000 bonus points annually

Earn 10,000 bonus points every year you spend $10,000 or more on purchases with your card.

Security 2

Zero Liability Protection

Full protection

You are not responsible for unauthorized transactions if you report them promptly.

Mastercard ID Theft Protection

Identity theft resolution services

Provides identity theft resolution services, including monitoring for suspicious activity and assistance with identity restoration.

Status Benefits 1

Choice Privileges Gold Elite Status

Gold Elite Status

Receive automatic Gold Elite status in the Choice Privileges rewards program, which includes benefits like 10% extra points on stays, exclusive member rates, and early check-in/late check-out (subject to availability).

Travel 2

Choice Privileges Points Purchase Discount

10% discount

Receive a 10% discount when you purchase Choice Privileges points.

No Foreign Transaction Fees

0% foreign transaction fee

Avoid foreign transaction fees on purchases made outside the United States.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Hotel Status: Choice Privileges Gold Elite

Sign-Up Bonus

PENDING

60,000

Points/Miles

Requirement: Spend $1,000 in 90 days

Timing: Bonus points will be credited to your Choice Privileges account 6-8 weeks after you meet the spending requirement.

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Authorized User Fee:	$0.00
Penalty APR:	29.99%
Min Interest Charge:	$1.00

Additional Fees

PENDING

Late Fee:	$40.00
Returned Payment:	$40.00
Balance Transfer:	Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 850

Approval Odds

Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Available

Credit Bureau

Experian, TransUnion, Equifax

Issuer Rules & Policies

PENDING

Rules: Eligibility for the sign-up bonus is restricted to one bonus per 15 months for this specific card. Applicants generally need good to excellent credit (typically FICO score 700+), sufficient income to support the credit line, and a history of responsible credit use. Wells Fargo is sensitive to recent credit applications; while not a strict hard rule, applicants with more than one new credit card account opened in the last 6 months (from any issuer) may face denial. An existing banking relationship with Wells Fargo can sometimes be beneficial but is not mandatory for approval.

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple applications across issuers or within Wells Fargo in a short period), high cumulative credit limit across Wells Fargo products, unusual spending patterns inconsistent with typical consumer behavior, and repeated abuse of sign-up bonuses (e.g., applying for and canceling cards solely for bonuses).

Cliff Effect Rules: The 'one bonus per 15 months' rule applies specifically to the Wells Fargo Choice Privileges Mastercard. There are no known broader 'family' rules that would prevent eligibility for this card's bonus based on holding or having held other Wells Fargo co-branded Choice Privileges cards, as this is their sole offering in this co-brand partnership.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent for Choice Hotels loyalists, offers a valuable sign-up bonus, includes no foreign transaction fees, and provides anniversary points.

Top Negative:
The annual fee may not be justified for infrequent Choice Hotels stays, redemption options are primarily limited to Choice Hotels, and points value can vary.

Approval Experience: 75.0 / 100

Recommended Alternatives

Chase Sapphire Preferred Card
Capital One Venture Rewards Credit Card
Hilton Honors American Express Surpass Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $275.00

Approval Probability: 88.0%

Version Control

PENDING

Version ID: February 2024