Back to Credit Cards

Card Economics

Annual Fee: $0
Ongoing Annual Value: $236
First-Year Value Estimate: $427
Net Value: +$236

Card type: PersonalForeign transaction fee: NoneCurrency: Choice Privileges

Choice Privileges Mastercard

Compare with another card

Sign-up Bonus

60K after $1K spend in first 3 months

Earning Structure

5XChoice Hotels purchases3.8%

3XGas Stations2.2%

3XGrocery Stores2.2%

3XHome improvement stores2.2%

3XPhone plans2.2%

1XAll other purchases0.8%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Choice Hotels purchases?Is this the best card for Gas Stations?Is this the best card for Grocery Stores?

Benefits

Elite Status (2)

Choice Privileges: Gold
Choice Privileges: 10 elite night credits per calendar year toward status

Protections (5)

Travel Accident Insurance — up to $1,000,000 — $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance
Trip Cancellation/Interruption — up to $5,000 — Protection for trips paid with card for covered events
Lost Luggage — up to $3,000 — Up to $3,000 for bags lost due to theft or misdirection
Auto Rental Collision Damage Waiver (secondary) — up to $50,000 — Up to $50,000 for collision damage and theft (secondary US, primary international)
Cell Phone Protection — up to $800 — Up to $800 per claim, $1,600 per year with $25 deductible. Excludes cosmetic damage.