The Choice Privileges Select Mastercard, issued by Wells Fargo, is a solid choice in the market.
Choice Privileges Select Mastercard Payoff Analysis
Choice Privileges® Select Mastercard® Payoff Analysis
This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.
Time to Pay Off
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Rewards Earned
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Interest Paid
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Interest Earned
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Interest earned by keeping your cash in a yield-bearing account during the grace period.
Formula: Balance × (APY / 365) × Days. --
Formula: Balance × (APY / 365) × Days. --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.
Snapshot
Choice Privileges® Select Mastercard® | |
|---|---|
| Issuer | Wells Fargo |
| Network | Mastercard (World Elite Mastercard) |
| Card Material | Plastic |
| Annual Fee | $95.00 Effective: $-85.00 • $180 Anniversary Bonus Points |
| Base Rate | 1.00% |
| Travel Rewards | 10.00x |
| Authorized User Fee | $0.00 |
| Foreign Transaction Fee | None |
| Credit Reporting | Ex, Eq, Tu |
| Product Lifecycle | Available (3y ago) |
| Minimum Credit Line | $2000 |
Welcome Offer
| Bonus | 90,000 Points |
| Spend Requirement | $3,000 |
| Timeline | 90 days |
| Efficiency Score | 30.00 pts/$1 |
| Cash Back Value | — |
| Portal Travel Value | — |
| Transfer Estimated Value | — |
Rewards Breakdown
| Base Rate | 1.00% |
| Eligible Choice Hotels properties | 10.0% |
| Gas Stations, Grocery Stores, Home Improvement Stores, and Phone Plans | 5.0% |
| Anniversary Bonus | None |
| Portal Boost | 1x |
Pricing Details
| Purchase APR | 27.99% - 36.74% |
| Cash Advance Fee | 5% |
| Balance Transfer Fee | 5% |
| Late Payment Fee | Up to $40 |
| Minimum Interest Charge | $1.00 |
| Grace Period | 25 days |
| Penalty APR | None |
Official Resources
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay |
| Customer Service | Unverified |
| Instant Use | No |
Strategy & Eligibility
| Min. Credit Score | 700+ |
| Recommended Range | Good to Excellent |
| Chase 5/24 Rule | No |
| Lifetime Restriction | None |
| Active Family Restriction | Yes (The 6-Month Rule: You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.) |
| Closure Grace Period | None |
Comparisons
See how the Choice Privileges Select Mastercard compares to other cards.