Wells Fargo Choice Privileges® Select Mastercard®

Wells Fargo Mastercard Select Pending

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11

Benefits

5

Reward Categories

5x

Max Reward

21.2%

APR From

Basic Information

PENDING

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

Issuer: Wells Fargo

Card Name: Wells Fargo Choice Privileges® Select Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: Select

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:56

Last Scraped: Feb 05, 2026 13:26

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 5 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Hotels	5x	Points	Stays at participating Choice Hotels® properties.	No Cap
Gas	2x	Points	Purchases at gas stations.	No Cap
Groceries	2x	Points	Purchases at grocery stores.	No Cap
Home Improvement	2x	Points	Purchases at home improvement stores.	No Cap
All Other Purchases	1x	Points	All other eligible purchases.	No Cap

Rewards Summary

PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 10x

Categories: 10x Choice Hotels stays, 5x Gas Stations, 5x Grocery Stores, 5x Home Improvement Stores

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as you remain an active member. To remain active, you must complete a qualifying activity at least once every 18 months.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: Aeroplan, Alaska Airlines, American Airlines, Delta Air Lines, Frontier Airlines, Hawaiian Airlines, JetBlue Airways, Qantas Airways, Southwest Airlines, Spirit Airlines, United Airlines, Virgin Atlantic

Benefits & Protections (Detailed) 11 Total

PENDING

Lifestyle 1

Concierge Service

24/7 personal assistance

Access to a dedicated 24/7 personal assistant for help with travel arrangements, dinner reservations, event tickets, and more.

Purchase Protection 1

Cell Phone Protection

Up to $600 per claim, $1,000 annually

Pay your monthly cell phone bill with your eligible card and get coverage for damage or theft. Typically covers up to $600 per claim with a $50 deductible, up to $1,000 per 12-month period.

Rewards 4

Choice Hotels Stays Bonus Points

10X points per $1

Earn 10 points per $1 spent on eligible stays at Choice Hotels properties.

Select Category Bonus Points

5X points per $1

Earn 5 points per $1 spent on purchases at gas stations, grocery stores, home improvement stores, and phone plan services.

Everyday Purchases Points

1X point per $1

Earn 1 point per $1 spent on all other purchases not covered by bonus categories.

Annual Anniversary Bonus Points

8,000 points annually

Receive 8,000 bonus Choice Privileges points every year on your account anniversary.

Security 2

Mastercard ID Theft Protection

Identity theft resolution services

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

Zero Liability Protection

Full protection

Protects cardholders from unauthorized purchases made with their card, ensuring they are not responsible for fraudulent transactions.

Status Benefits 1

Choice Privileges Gold Elite Status

Gold Elite Status

Automatic upgrade to Gold Elite status in the Choice Privileges rewards program, providing benefits such as early check-in/late check-out (subject to availability) and bonus points on stays.

Travel 2

No Foreign Transaction Fees

0% fee

No fees on purchases made outside the United States.

Mastercard Global Service

24/7 global assistance

Provides 24/7 assistance for lost and stolen card reporting, emergency card replacement, and emergency cash advances worldwide.

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 $4,000 in 90 days

Timing: Bonus points will be credited to your Choice Privileges account within 1-2 billing cycles after you meet the spending requirement.

Fee Structure

PENDING

Annual Fee:	$95.00
Year 1 Waived:	No
Effective Annual Fee:	$95.00
Authorized User Fee:	$0.00
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

Very Good

Soft Pull Support

Supported

Application Process

Prequalification

Available

Preapproval

Available

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: Eligibility for the sign-up bonus is restricted to one bonus per 15 months for this specific card product. Applicants must be 18 years or older, a U.S. citizen or permanent resident, possess a good to excellent credit score (typically 670+), and demonstrate sufficient income to support the credit line.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, rapid application velocity, high cumulative credit limit across Wells Fargo products, suspicious spending patterns (e.g., large gift card purchases, round numbers), payment defaults, abuse of return policies, or opening/closing accounts too frequently.

Cliff Effect Rules: Wells Fargo typically enforces internal application velocity rules, generally limiting new credit card approvals to one every six months and no more than two new cards in a 12-month period across all Wells Fargo credit products. This applies to new applications for the Choice Privileges Select Mastercard.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.9 / 5.0

Top Positive:
Excellent for Choice Hotels loyalists, offers a valuable sign-up bonus, includes automatic Gold Elite status, and provides anniversary bonus points.

Top Negative:
Points are primarily useful only for Choice Hotels, the $75 annual fee after the first year can be a drawback, and it's not ideal for general travel outside of Choice properties.

Approval Experience: 80.0 / 100

Recommended Alternatives

Hilton Honors American Express Card
Marriott Bonvoy Boundless Credit Card
Capital One VentureOne Rewards Credit Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $250.00

Approval Probability: 85.0%

Version Control

PENDING

Version ID: v1.0