The Choice Privileges® Select Mastercard® offers travelers a robust rewards program tailored to frequent stays at Choice Hotels® properties. With enticing benefits ranging from substantial bonus points to elite status perks, this card is designed to enhance your travel experience while maximizing your points earnings.

This Mastercard® stands out with a generous introductory offer: new cardholders can earn 60,000 bonus points after spending $3,000 on purchases within the first 3 months. These points translate to up to 7 reward nights at select Choice Hotels®, making it a compelling option for travelers looking to capitalize on their spending.

Key information about the Choice Privileges Select Mastercard card

The Choice Privileges® Select Mastercard® is tailored for avid travelers seeking to maximize their rewards on stays at Choice Hotels® properties. With an enticing introductory offer of 60,000 bonus points after spending $3,000 in the first 3 months, cardholders can enjoy up to 7 reward nights.

This card also offers accelerated points earning, including up to 22X total points on Choice Hotels stays and 5X points on select everyday purchases like gas, groceries, and phone plans. Additional benefits include automatic Platinum Elite status, anniversary bonus points, and reimbursement for Global Entry or TSA PreCheck® fees, making it a comprehensive choice for frequent travelers looking to enhance their travel experience.

How does the annual fee work?

The Choice Privileges® Select Mastercard® carries an annual fee of $95. This fee is standard for premium travel rewards cards and is billed annually to your account. However, the benefits often outweigh this cost, especially for frequent travelers who can take advantage of the card’s rewards and perks.

How is the credit limit determined?

Credit limits for the Choice Privileges® Select Mastercard® are determined based on various factors including your credit history, income, and other financial obligations. For conventional credit cards, issuers assess your creditworthiness and assign a limit accordingly. This ensures responsible credit management and aligns with your financial capabilities. In contrast, prepaid cards are funded by a deposit made by the cardholder, allowing them to control their spending limit.

Credit card benefits 

• Generous sign-up bonus: Earn 60,000 bonus points after spending $3,000 in the first 3 months, redeemable for up to 7 reward nights at Choice Hotels® properties.
• Accelerated points earning: Up to 22X total points on stays at Choice Hotels properties when using the card, including 10X points at participating hotels and additional points for being a Choice Privileges member.
• Annual bonus points: Receive 30,000 bonus points every account anniversary, enough for up to 3 reward nights.
• Travel benefits: Enjoy perks such as automatic Platinum Elite status, which includes 20 elite night credits each year, and no foreign currency conversion fees.
• Global entry or TSA PreCheck® credit: Receive up to $100 as a statement credit every four years when you use your card to pay for Global Entry or TSA PreCheck® application fees.
• Cell phone protection: Get up to $800 in cell phone protection against damage or theft when you pay your monthly cell phone bill with the card (subject to terms and conditions).

Comprehensive travel benefits

One of the standout features of the Choice Privileges® Select Mastercard® is its comprehensive travel benefits. Cardholders not only earn substantial points on hotel stays but also benefit from automatic Platinum Elite status, which includes perks like room upgrades and late check-out. Additionally, the card offers Global Entry or TSA PreCheck® fee reimbursement, enhancing the travel experience with expedited security screening.

Disadvantages

• Annual fee: The card comes with a $95 annual fee, which may not be ideal for those looking to minimize costs on credit cards.
• Credit card requirements: To maximize benefits like elite status and bonus points, there may be requirements such as maintaining a good credit score and spending thresholds that could be challenging for some users.
• Limited redemption options: While the card offers substantial rewards for stays at Choice Hotels properties, redemption options are primarily limited to hotel stays within the Choice Privileges program, which may not appeal to those seeking more flexible rewards.

Limited point redemption options

One notable disadvantage of the Choice Privileges® Select Mastercard® is the somewhat limited redemption options for earned points. While excellent for hotel stays within the Choice Hotels® portfolio, those seeking more diverse travel rewards may find the options restrictive.

Who can apply for this card?

To apply for the Choice Privileges® Select Mastercard®, applicants typically need a good to excellent credit score and a steady income. The exact requirements may vary, but generally, applicants must be at least 18 years old and meet income thresholds set by the issuer. The card may not be available to individuals with poor credit histories or limited income.

How to apply for the Choice Privileges Select Mastercard card

Via WebSite

To begin, visit the official Choice Hotels website or navigate directly to the credit card section provided by the issuing bank. Once on the designated page for the Choice Privileges® Select Mastercard®, you will find an online application form that needs to be filled out completely. This form typically requires personal details such as your full name, residential address, employment information, annual income, Social Security number (if applicable), and other pertinent financial information.

Ensure that all information entered is accurate and up-to-date to expedite the application process. After completing the form, review the terms and conditions associated with the Choice Privileges® Select Mastercard®. This step is crucial as it outlines important details regarding interest rates, fees, rewards program specifics, and any promotional offers available.

Proceed by submitting your application electronically through the website. Upon submission, you may receive an instant decision in some cases, while others may require additional verification or processing time. If further information is needed, the issuing bank may contact you via email or phone to complete the application process.

Once approved, your Choice Privileges® Select Mastercard® will be mailed to your provided address. Upon receipt, activate your card as per the instructions included. Additionally, consider setting up online account management to monitor transactions, make payments, and maximize the benefits offered by your new credit card.