Choice Privileges Mastercard

{
  "catalogPolicyVersion": "us-card-catalog-v1",
  "factKnowledgePolicyVersion": "card-fact-knowledge-v1",
  "id": "7e8666fa-6d0c-47b3-bfe8-3d36aa43dfc5",
  "name": "Choice Privileges Mastercard",
  "issuer": {
    "id": "76040e3b-cc4d-4ea1-ae8e-7e406552ea0c",
    "slug": "wells-fargo",
    "displayName": "Wells Fargo"
  },
  "lifecycleStatus": "accepting_applications",
  "annualFee": {
    "amount": 0,
    "currency": "USD"
  },
  "foreignTransactionFee": {
    "percent": 0
  },
  "rewardSummary": {
    "text": "Earn 5 points per $1 on eligible stays at participating Choice Hotels properties and on Choice Privileges point purchases; 3 points per $1 at gas stations, electric vehicle charging stations, grocery stores, home improvement stores and on phone plan services; and 1 point per $1 on other purchases. Points can be redeemed only at Choice Privileges."
  },
  "earnRules": {
    "rules": [
      {
        "rate": 5,
        "multiplier": "x",
        "category": "hotels",
        "categoryRaw": "stays at participating Choice Hotels® properties",
        "cap": null,
        "scope": "Qualifying net purchases at eligible Choice and non-Choice hotel locations; book through Choicehotels.com, the Choice Hotels mobile app, the Choice Hotels Service Center, or directly with a Choice Hotels brand hotel.",
        "notes": "Merchant classification controls eligibility. Purchases through third-party payment accounts, online marketplaces, mobile or wireless card readers, or mobile/digital wallets may not earn bonus points.",
        "evidenceQuote": "5 points (one base point and four bonus points) (1) You earn five points for every $1.00 you spend on stays at Eligible Locations with your Card Account on Qualifying Net Purchases. \"Net Purchases\" are purchases that you charge to your Account (minus returns or credits). You can book these stays at both Choice Hotels brand and non-Choice Hotels brand hotels and resorts. "
      },
      {
        "rate": 5,
        "multiplier": "x",
        "category": "other",
        "categoryRaw": "Choice Privileges point purchases",
        "cap": null,
        "scope": "Qualifying net purchases of Choice Privileges points made on the Card Account; program limits and restrictions apply.",
        "notes": "Merchant classification controls eligibility. Purchases through third-party payment accounts, online marketplaces, mobile or wireless card readers, or mobile/digital wallets may not earn bonus points.",
        "evidenceQuote": "Earn 5 points (1 base plus 4 bonus points) per $1.00 spent on qualifying net purchases of Choice Privileges points made on the Card Account."
      },
      {
        "rate": 3,
        "multiplier": "x",
        "category": "gas",
        "categoryRaw": "gas stations",
        "cap": null,
        "scope": "Eligible Mastercard merchant codes for gas stations and automated fuel dispensers. Auto repair stores, car washes, warehouse or membership-club gas, grocery stores and superstores selling gasoline may not qualify.",
        "notes": "Merchant classification controls eligibility. Purchases through third-party payment accounts, online marketplaces, mobile or wireless card readers, or mobile/digital wallets may not earn bonus points.",
        "evidenceQuote": "3X points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services 3"
      },
      {
        "rate": 3,
        "multiplier": "x",
        "category": "ev_charging",
        "categoryRaw": "electric vehicle charging stations",
        "cap": null,
        "scope": "Electric vehicle charging stations classified in the eligible Automobile Stations Mastercard merchant category.",
        "notes": "Merchant classification controls eligibility. Purchases through third-party payment accounts, online marketplaces, mobile or wireless card readers, or mobile/digital wallets may not earn bonus points.",
        "evidenceQuote": "3 points (one base point and two bonus points) You earn three points for every $1.00 you spend on Qualifying Net Purchases at eligible merchants. These merchants must have a classified Mastercard® merchant category in the following categories: Automobile Stations Automated fuel dispensers (self-pumping gas stations) Electric vehicle charging stations Gas stations "
      },
      {
        "rate": 3,
        "multiplier": "x",
        "category": "groceries",
        "categoryRaw": "grocery stores",
        "cap": null,
        "scope": "Eligible Mastercard merchant codes for grocery stores, supermarkets, delis and bakeries; convenience stores, meal kits, superstores, warehouses and membership clubs may not qualify.",
        "notes": "Merchant classification controls eligibility. Purchases through third-party payment accounts, online marketplaces, mobile or wireless card readers, or mobile/digital wallets may not earn bonus points.",
        "evidenceQuote": "3X points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services 3"
      },
      {
        "rate": 3,
        "multiplier": "x",
        "category": "home_improvement",
        "categoryRaw": "home improvement stores",
        "cap": null,
        "scope": "Eligible Home Supply, Equipment, and Improvement Mastercard merchant codes, including hardware, furniture and appliances, garden supplies, home accessories, floor/glass/paint/wallpaper, household appliance and furniture rentals, pools and home improvement contractors. Cleaning, extermination, miscellaneous repairs, welding and general retailers may not qualify.",
        "notes": "Merchant classification controls eligibility. Purchases through third-party payment accounts, online marketplaces, mobile or wireless card readers, or mobile/digital wallets may not earn bonus points.",
        "evidenceQuote": "3X points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services 3"
      },
      {
        "rate": 3,
        "multiplier": "x",
        "category": "other",
        "categoryRaw": "phone plan services",
        "cap": null,
        "scope": "Eligible Telecommunication Services Mastercard merchant codes for landline and cell phone providers. Hardware, accessories, third-party payments and unrelated subscriptions such as cable and streaming may not qualify.",
        "notes": "Merchant classification controls eligibility. Purchases through third-party payment accounts, online marketplaces, mobile or wireless card readers, or mobile/digital wallets may not earn bonus points.",
        "evidenceQuote": "3X points on purchases at gas stations, grocery stores, home improvement stores and on phone plan services 3"
      },
      {
        "rate": 1,
        "multiplier": "x",
        "category": "everything_else",
        "categoryRaw": "other purchases",
        "cap": null,
        "scope": "Other qualifying net purchases; cash advances and cash equivalents do not earn points.",
        "notes": null,
        "evidenceQuote": "Other purchases: 1 rewards point will be earned per $1 spent on other net purchases."
      }
    ],
    "extractionCompleteness": "complete"
  },
  "creditsSummary": null,
  "welcomeBonuses": [
    {
      "audience": "public",
      "bonusValue": 60000,
      "bonusUnit": "points",
      "spendRequired": {
        "value": 1000,
        "currency": "USD",
        "windowDays": 90
      },
      "eligibility": {
        "requiresNewCustomer": true,
        "bonusLockoutMonths": 15,
        "applyByDate": null,
        "notes": "May be ineligible if either Choice Privileges Mastercard product was opened within the last 15 months, even if closed with zero balance. Existing holders cannot qualify; only one account allowed."
      },
      "offerUrl": "https://creditcards.wellsfargo.com/wells-fargo-choice-privileges-credit-cards/",
      "tiers": [],
      "notes": "Net purchases must post within 3 months of opening. Points show as redeemable within 60 days after earned.",
      "evidenceQuote": "To qualify for the 60,000 bonus points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened."
    }
  ],
  "factStates": {
    "annualFee": "confirmed_none",
    "foreignTransactionFee": "confirmed_none",
    "rewardSummary": "confirmed_value",
    "earnRules": "confirmed_value",
    "credits": "not_found",
    "welcomeBonus": "confirmed_value"
  },
  "sourceSupport": {
    "annualFee": true,
    "foreignTransactionFee": true,
    "rewardSummary": true,
    "earnRules": true,
    "credits": false,
    "welcomeBonus": true
  },
  "updatedAt": "2026-09-29T20:12:52.604Z"
}