Our illustration in the card’s colours, not its design
Wells Fargo credit card
Choice Privileges® Select Mastercard®
$95 a year. 60,000 Choice Privileges points after you spend $3,000 in 3 months. Purchase APR 19.24–28.49%. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · wellsfargo.com
“Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months 1 - enough to redeem for up to 7 reward nights at select Choice Hotels® properties.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · wellsfargo.com
“$95 Annual Fee”
- Purchase APR
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · wellsfargo.com
“No foreign transaction fee”
Select an underlined figure to see where it comes from.
Wells Fargo’s terms
Welcome offer
60,000 points
After you spend $3,000 on purchases in your first 3 months.
- Spending it takes
- $1,000 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
Bonus points will show as redeemable within 60 days after they are earned. You may not be eligible if you opened a Choice Privileges Mastercard Credit Card or Choice Privileges Select Mastercard Credit Card within the last 15 months, or if you currently have an open Choice Privileges or Choice Privileges Select Mastercard account.
Who can get it: If you’ve had a bonus on this card or one of its family in the last 15 months, you can’t get it again yet.
“You may not be eligible for the introductory bonus rewards offer if you opened a Choice Privileges Mastercard Credit Card or a Choice Privileges Select Mastercard Credit Card within the last 15 months from the date of this application, even if that account is closed and has a $0 balance.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $360 | $60 | |
| Typical spender | $545 | $245 | |
| Heavy spender | $825 | $525 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 0.5¢.
$60a year
$360 the first year, with the welcome bonus.
Rewards and credits$155
You keep $60−$95 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 0.5¢.
$245a year
$545 the first year, with the welcome bonus.
Rewards and credits$340
You keep $245−$95 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 0.5¢.
$525a year
$825 the first year, with the welcome bonus.
Rewards and credits$620
You keep $525−$95 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 0.5¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 65% of the 732 cards we track.
- Lower top APR than about 35% of the 163 cards on our Sign-up bonuses list (see the list).
- Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).
Other points cards with fees up to $100
- Bilt ObsidianBilt · $95 a year+$300 a year
- Chase Sapphire PreferredChase · $95 a year+$240 a year
- Citi Strata Premier - TravelCiti · $95 a year+$225 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Choice Privileges Rewards Program
How you earn
- 10×
- Stays at participating Choice Hotels propertiesChoice Privileges point purchases
- 5×
- Purchases at gas stations, automated fuel dispensers, and electric vehicle charging stationsPurchases at grocery stores, supermarkets, delis and bakeriesPurchases at home improvement stores and qualifying home improvement merchantsPurchases on phone plan services, including qualifying landline and cell phone providers
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.
Benefits
- Trusted Traveler Program credit: $120 every 4 years
- Up to $120 statement credit once every four years for a Trusted Traveler Program application or renewal fee (Global Entry or TSA PreCheck)
- Automatic Choice Privileges Platinum Elite membership with the card, via 20 Elite Qualifying Nights credited each calendar year
- Anniversary bonus of 30,000 points every account anniversary year, enough to redeem up to 3 reward nights at Choice Hotels properties (additional fees may apply)
- Platinum Elite members earn 25% bonus points on qualifying Choice hotel stays
All 10 benefits
- Milestone Rewards: bonus points or gift cards earned by reaching milestone thresholds during the year
- Fast-track Elite status upgrades with points earned on everyday card purchases
- No foreign transaction fee on purchases converted to U.S. dollars
- Mastercard World Elite benefits: additional security benefits, exclusive offers, concierge, and travel and lifestyle services
- Cell phone: Up to $800 per approved claim, with a maximum of two paid claims per 12-month period
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · wellsfargo.com “$95 Annual Fee” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · wellsfargo.com “No foreign transaction fee” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had a bonus on this card or one of its family in the last 15 months, you can’t get it again yet.
Questions
- What is the annual fee?
- $95 · wellsfargo.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · wellsfargo.com, since Oct 11, 2026
- What is the purchase APR?
- 19.24–28.49% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 60,000 Choice Privileges points after $3,000 in purchases in 3 months. · wellsfargo.com, since Oct 11, 2026