Wells Fargo Choice Privileges® Select Mastercard®
Basic Information
Program ID: wells-fargo-choice-privileges-select-mastercard
Issuer: Wells Fargo
Card Type: Credit
Network: Mastercard
Card Tier: Select
Data Complete: Yes
Created: 01/15/2026 16:56
Last Scraped: 01/15/2026 16:57
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,024.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $60,000.00
Spending Requirement: $3,000.00
Time Period: 90 days
Bonus Timing: Bonus points will be added to your Choice Privileges account within 1-2 billing cycles after you meet the spending requirement.
Rewards Program
Reward Type: Hotel Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x Choice Hotels Stays, 5x Gas Stations, 5x Grocery Stores, 5x Home Improvement Stores
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire on December 31, two years after the year in which they were earned, unless qualifying activity occurs.
Transfer Partners: Southwest, United, American, Delta, Aeroplan, Qantas (generally poor transfer rates)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
- Hotel Status: Choice Privileges Platinum Elite
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Eligibility for the Wells Fargo Choice Privileges Select Mastercard requires applicants to be at least 18 years old, a U.S. resident, and possess a good to excellent credit score. A key bonus rule is that applicants are not eligible to receive a sign-up bonus for this specific card if they have received a sign-up bonus for the Wells Fargo Choice Privileges Select Mastercard within the past 15 months. Wells Fargo also considers overall application velocity and total credit exposure across its products when evaluating new applications.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit relative to income, rapid application for multiple Wells Fargo cards, late payments, suspicious account activity, or abuse of card benefits/return policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
High points earning for Choice Hotels stays, generous sign-up bonus, accelerated rewards on everyday spending categories like gas and groceries.
Top Negative Feedback:
Annual fee may not be justified for infrequent Choice Hotels guests, limited redemption options outside of Choice Hotels, potential for lower point value compared to other travel programs.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Wells Fargo Autograph Card
- Capital One VentureOne Rewards Credit Card
- Marriott Bonvoy Boundless Credit Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $295.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 80% General / 20% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0