Wells Fargo Choice Privileges Credit Card Review (2025.4 Update: 60k Offer)
2025.4 Update: The new offer is 60k.
2025.1 Update: The higher offer is expired.Currently there’s only a 40k offer.
2024.7 Update: There’s a link with 70k offer now.This is the best ever offer on this card!
Application Link
Benefits
- 60k offer: Earn 60,000 Choice Privileges points after spending $1,000 in the first 3 months from account opening.The recent best offer is 70k.
- We estimate that Choice Privileges points are worth about 0.6 cents/point.
So the 70k highest sign-up bonus is worth about $420.
- Earn 5x Choice Privileges points at Choice hotels.Earn 3x points on gas stations, grocery stores, home improvement stores, and on phone plans from landline and cell phone providers.And 1x on everything else.
- Receive 10 elite night credits qualifying for at least Gold level status each calendar year.
- Get up to $800 of cell phone protection against damage, theft, or unintended separation.
- No foreign transaction fee.
- No annual fee.
Summary
This card is just so-so, especially Choice hotels are relatively low-tier in the US.If you are really interested in Choice hotels, you can also consider applying for Wells Fargo Choice Privileges Select which has higher welcome offer and better benefits, and then downgrade to this no fee card if you don’t want to pay the annual fee.
Related Credit Cards
Historical Offers Chart
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Frequently Asked Questions
Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.
However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.
Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.
Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.
