Cards
RewardsWells Fargo
Choice Privileges Select Mastercard
Key facts
Annual fee$95/yr
Rewards currencyChoice Privileges points
Recommended creditFair – Good (680+)
Global Entry / TSA PreCheckCredit included
Current sign-up bonus
60,000 bonus points after spending $3,000 on purchases within the first 3 months.
Reward rates
10x points on stays at participating Choice Hotels properties
5x points at gas stations, grocery stores, home improvement stores, and on phone plan services
1% on everything else
Travel benefits
Lounge Access (Unconfirmed)
None -- no Priority Pass or airport lounge network.
Trip Cancellation / Interruption
Up to $5,000 per covered traveler per trip; max $20,000 per 12-month period per account. Common Carrier fare only, secondary coverage.
Trip Delay (Unconfirmed)
Up to $300 per trip, max 2 claims per 12-month period, after a 12+ hour delay.
Baggage Delay
None -- this card does not have a separate baggage delay benefit. Only Lost Baggage Reimbursement exists (covers baggage lost/stolen/misdirected by the carrier, not a delay-reimbursement benefit for essentials during a delay).
Travel Accident Insurance (Unconfirmed)
Up to $1,000,000 (accidental death/dismemberment on common carriers) -- consistent with standard World Elite Mastercard travel accident benefit tables.
Emergency Evacuation
None -- confirmed absent from Wells Fargo's official Guide to Benefits. The only accident-related travel benefit is $1,000,000 Common Carrier Travel Accident Insurance (death/dismemberment), not medical evacuation.
Purchase protections
Return Protection
None -- confirmed absent from Wells Fargo's official Guide to Benefits.
Purchase Protection
None -- confirmed absent from Wells Fargo's official Guide to Benefits.
Extended Warranty
None -- confirmed absent from Wells Fargo's official Guide to Benefits, which lists every included benefit explicitly and has no Extended Warranty section.
Cell Phone Protection
Up to $800 per claim, $25 deductible, max 2 paid claims per 12-month period. Activated by paying your monthly cell phone bill with the card.
Other benefits
Annual Credits
Global Entry / TSA PreCheck: up to $100, resets Multi-year.
Earn Rates
10X points on Choice Hotels stays. 5X points on gas stations, grocery stores, home improvement stores, and phone plan services. 1X points on all other purchases. Platinum Elite status adds a 25% points bonus on Choice stays (effectively 12.5X at Choice properties).
Welcome Bonus
60,000 bonus points after spending $3,000 in purchases within the first 3 months of account opening.
Transfer Partners (Unconfirmed)
Native currency is Choice Privileges points (a hotel loyalty currency). Movable via the Choice Privileges Rewards Exchange to about 13 airline partners including Air Canada Aeroplan, British Airways Club, Southwest Rapid Rewards, Turkish Airlines Miles&Smiles, JetBlue TrueBlue, Aer Lingus, and AeroMexico Rewards. This is a hotel-program point-exchange feature, not a premium transferable-currency partnership -- ratios/minimums are typically unfavorable.
Lost / Stolen Baggage (Unconfirmed)
Up to $3,000 per trip, $2,000 per bag.
Secondary Rental Car
Secondary within the United States (covers only what other insurance doesn't). $50,000 maximum coverage cap (same cap used for the primary international case). Max rental period 15 consecutive days in the US, 31 days outside it.
Primary Rental Car
Primary only outside the United States. Single $50,000 maximum coverage cap applies (see Secondary Rental Car for the domestic terms). Not available in Israel, Jamaica, Republic of Ireland, or Northern Ireland.
Foreign Transaction Fee
$0 -- none.
Authorized User Fee
$0 -- no fee to add an authorized user. Confirmed via Wells Fargo's official Account Agreement fee table, which lists no authorized-user/additional-card fee.
Best for
HotelsGroceries
Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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