Wells FargoChoice Privileges Select Mastercard
$95Regular Choice Hotels guests
Annual fee and hotel-program concentration
Check current offer This link goes to Wells Fargo’s site. Dean earns nothing if you apply.Wells Fargo Choice Privileges Select Mastercard
Annual fee $95. Higher Choice Hotels earning plus selected everyday categories.
See if it fits my walletDean’s short answer
Best fit: Regular Choice Hotels guests.
Hotel co-brand
This card and its closest alternatives
The 3 reviewed personal cards that share the most card types and features with the Choice Privileges Select Mastercard.
When a link pays Dean a commission, the card says so right there. Paid or not, the ranking never changes, and no issuer sponsors or endorses Dean. Approval, rates, and terms are controlled by the card issuer.
American ExpressHilton Honors Surpass
$150American Express Hilton Honors Surpass
Annual fee: $150, against $95 for the Choice Privileges Select Mastercard. Best fit: Regular Hilton guests who use Gold benefits and credits. Dean’s catalog lists it as: Hotel co-brand.
Read Dean’s reviewChaseWorld of Hyatt
$95Chase World of Hyatt
Same annual fee: $95. Best fit: Hyatt guests who can use the anniversary night. Dean’s catalog lists it as: Hotel co-brand.
Read Dean’s reviewChaseIHG One Rewards Traveler
$0Chase IHG One Rewards Traveler
Annual fee: $0, against $95 for the Choice Privileges Select Mastercard. Best fit: Occasional IHG guests. Dean’s catalog lists it as: Hotel co-brand, No annual fee.
Read Dean’s review| Card | Annual fee | Rewards and benefit summary | Best fit | Main drawback | Source |
|---|---|---|---|---|---|
| Choice Privileges Select MastercardWells Fargo | $95 | Higher Choice Hotels earning plus selected everyday categoriesChoice Platinum status; anniversary points; application-fee credit | Regular Choice Hotels guests | Annual fee and hotel-program concentration | Wells Fargo Checked 2026-07-22 |
| Hilton Honors SurpassAmerican Express | $150 | 12X Hilton; bonus U.S. dining, supermarket, gas, and online retail categoriesHilton Gold status; quarterly Hilton credits; free-night path after annual spend | Regular Hilton guests who use Gold benefits and credits | Quarterly credits and spend thresholds require tracking | American Express Checked 2026-07-22 |
| World of HyattChase | $95 | 4X Hyatt plus bonus dining, direct airfare, transit, and fitnessAnnual Category 1-4 free night; Discoverist status; elite-night credits | Hyatt guests who can use the anniversary night | Smaller hotel footprint than larger programs | Chase Checked 2026-07-22 |
| IHG One Rewards TravelerChase | $0 | Bonus IHG and selected everyday categoriesFourth reward night free on qualifying award stays; Silver status | Occasional IHG guests | No automatic anniversary free night | Chase Checked 2026-07-22 |
What it earns
Higher Choice Hotels earning plus selected everyday categories.
What comes with it
Choice Platinum status; anniversary points; application-fee credit.
Dean treats these as the reasons to hold the Choice Privileges Select Mastercard. If you would not use them, the card is worth less to you than its marketing says.
- Choice Platinum status
- anniversary points
- application-fee credit
Who can get it
Dean lists the Choice Privileges Select Mastercard for good, excellent credit. It is a personal card. Availability: public national.
A listed credit range is a starting point, not an approval promise. Wells Fargo decides approval, your credit limit, and your rate when you apply.
The catch
Annual fee and hotel-program concentration.
Annual fee: $95. Dean checked the fee and terms against Wells Fargo on July 22, 2026. Terms can change after that date, so read the live offer before you apply.
How a airline co-brand card works
Rewards and perks tie to one airline or alliance. Free checked bags, priority boarding, lounge access, companion benefits, award discounts.
Best for: People loyal to a specific airline. Watch for: Lower value when flying other airlines; devaluations are outside the issuer's control.
How a hotel co-brand card works
Rewards and benefits tie to one hotel program. Elite status, anniversary nights, elite-night credits, on-property earning.
Best for: Travelers who repeatedly stay with one hotel group. Watch for: Free-night rules, resort fees, and program changes can limit value.
How a retail open-loop co-brand card works
Merchant-branded Visa, Mastercard, or Amex that also works elsewhere. High merchant rewards plus general network acceptance.
Best for: Loyal customers who still need an everyday payment card. Watch for: Outside-merchant rewards are often weak.
Flat rewards: how to value it
Same rate on most eligible purchases.
Conditions to check: Excluded cash-like transactions and redemption value. Best for simplicity and uncategorized spend.
Bonus categories: how to value it
Higher earn rate for named merchant categories.
Conditions to check: Merchant category code, caps, activation, and geographic limits. Verify how the merchant codes, not how it describes itself.
Travel portal multiplier: how to value it
Higher rewards or credits for issuer-portal bookings.
Conditions to check: Portal price, cancellation rules, elite credit, and direct-booking benefits. Compare the total trip terms, not only the multiplier.
Sources and scope
Check the evidence, then check the live offer.
Dean links directly to the issuer. Card terms and eligibility can change after the review date.