Purchase APR
15.99%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $479.70
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47
Choice Privileges Mastercard
Wells Fargo Bank, National Association
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
19.24–28.49%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
28.49%
620–719
28.49%
720+
28.49%
Lowest offered19.24%
Median28.49%
Highest offered28.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered29.49%
Median29.49%
Highest offered29.49%
Every fee on this card
Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Late fee policy: The fee will be either $29 or the amount of your Minimum Payment, whichever is lower. For any other late payment within a rolling six billing cycle period, the late fee will be either $40 or the amount of your Minimum Payment, whichever is lower.
Rewards, benefits and features
Rewards
- Travel-related rewards
- Other rewards
Services
- Access to Free Credit Scores
- Discounts on purchases of goods and services (non travel related)
- Other
Features
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Choice Privileges Reward Nights Points Plus Cash Program Preferred Hotel Group Airline and Loyalty Program Rewards Redemption Redeem for Gift Cards Rewards Gift Vouchers Magazine Subscriptions
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-642-4720
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 28.49%$854.70
Annual / periodic fees$0
Total yearly cost$854.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
28 documents filed by Wells Fargo Bank, National Association in the 2026 Q1 archive.
- Choice Privileges Mastercard Credit Card Agreement833 KB
- Choice Privileges Select Mastercard Credit Card Agreement899 KB
- One Key Mastercard Account Agreement838 KB
- One Key+ Mastercard Account Agreement841 KB
- Tarjeta de Crédito Choice Privileges Mastercard710 KB
- Tarjeta de Crédito Choice Privileges Select Mastercard713 KB
More from this issuer
Purchase APR
19.24–28.49%
Annual fee
$95
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $949.70 incl. $95 fee
Purchase APR
19.49–28.49%
Annual fee
$95
Foreign fee
None
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $949.70 incl. $95 fee
Purchase APR
18.49–28.49%
Annual fee
None
Foreign fee
3%
0% purchases · 13 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $854.70