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Choice Privileges® Mastercard® card

Choice Privileges® Mastercard®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Mastercard
Regular purchase APR
20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Choice Privileges® Mastercard® offers robust rewards on hotel stays, gas, groceries, and more - with no annual fee or foreign transaction fees. The card also provides automatic Gold Elite status in the Choice Privileges loyalty program.

Our review of the Choice Privileges® Mastercard®

Are you looking for a credit card that offers great rewards and benefits? Look no further than the Choice Privileges Mastercard. In this review, we’ll take a closer look at what makes this credit card stand out from the rest.

The Choice Privileges Mastercard is a popular choice among frequent travelers and hotel guests. With this card, you can earn points on every purchase you make, which can be redeemed for free nights at Choice Hotels locations worldwide. In addition, cardholders can enjoy a wide range of perks, such as complimentary elite status, bonus points on select purchases, and no foreign transaction fees.

Overall, the Choice Privileges Mastercard is a solid option for those who frequent Choice Hotels and want to earn rewards on their everyday purchases. If you’re in the market for a new credit card, be sure to consider the benefits of the Choice Privileges Mastercard.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • No foreign transaction fees
  • Earn 60,000 bonus points after spending $1,000 in purchases in the first three months
  • Earn 5X points with Choice Hotels
  • Earn 3X points at gas stations, groceries, or home improvement stores
  • Automatic Gold Elite status

Who this card may suit

  • You travel often and prefer to stay with Choice Hotel brands
  • You want basic perks to improve your stays
  • You spend heavily on gas or groceries
  • You do't want to pay an annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee5% for each balance transfer, with a minimum of $5
Cash Advance APR29.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each advance, whichever is greater
Return Payment Penalty FeeUp to $40

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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Choice Privileges® Mastercard®

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