Choice Privileges Select Mastercard

Wells Fargo · WORLD ELITE MASTERCARD · annual fee $95

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 10× Choice Hotels stays and Choice Privileges point purchases
• 5× Gas stations
• 5× Grocery stores
• 5× Home improvement stores
• 5× Phone plans
• 1× Everything else

Statement credits, at their advertised value

• Global Entry / TSA PreCheck Credit, up to $30 a year

Advertised total $30 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 19.99%, 25.74%, or 28.74% (based on creditworthiness)

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/wells-fargo-choice-privileges-select.