Choice Privileges Mastercard
- Choice points are low-value (about 0.6 cents) but cheap award nights make them stretch. The 10 Elite Night Credits jump-start status. Limited-time 60,000-point welcome bonus through Sept 8, 2026 (40,000 standard).
The no-fee Choice Hotels card for road-trippers and budget-stay loyalists: 5X points on Choice stays, 3X on gas, groceries, home improvement, phone, and streaming, plus 10 Elite Night Credits a year toward Choice status. Choice points stretch far at Comfort, Cambria, and the Ascend Collection.
Welcome bonus
What you get for signing up and hitting the minimum spend.
60,000 Choice Privileges points · $1,000 spend in 3mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
60,000 Choice Privileges points · $1,000 spend in 3mo
This is an elevated, limited-time offer — the standard bonus is 40,000 Choice Privileges points.
60,000 Choice Privileges points after spending $1,000 in the first 3 months.
Limited-time 60,000 bonus points after $1,000 in purchases in the first 3 months, through Sept 8, 2026. Standard offer is 40,000.
Earn rates
How many points per dollar across categories.
7 categories · top rate 5x
See the multipliers →
Earn rates
How many points per dollar across categories.
7 categories · top rate 5x
Card-level multipliers. Earn currency: Choice Privileges.
| Category | Rate | Notes |
|---|---|---|
| Hotels | 5x | 5X points on stays at eligible Choice and non-Choice locations (plus 5X on Choice Privileges Points purchases). |
| Gas | 3x | 3X points at gas stations. |
| Groceries | 3x | 3X points at grocery stores. |
| Telecom | 3x | 3X points on phone plans. |
| Streaming | 3x | 3X points on select streaming services. |
| Home Improvement | 3x | 3X points at home improvement stores. |
| All other purchases | 1x | 1X points on all other purchases. |
Other ways to earn these points
Programs that transfer into Choice Privileges — additional paths to top up your balance.
4 programs transfer in
See the inbound paths →
Other ways to earn these points
Programs that transfer into Choice Privileges — additional paths to top up your balance.
4 programs transfer in
You can transfer points into Choice Privileges from 4 other programs — useful if you want to combine balances from multiple loyalty currencies before booking.
| From | Ratio | Notes |
|---|---|---|
| American Express Membership Rewards | 1:1 | 1,000 Membership Rewards = 1,000 Choice Privileges points. |
| Capital One Miles | 1:1 | 1,000 Capital One miles = 1,000 Choice Privileges points. |
| Citi ThankYou Rewards | premium1:1.5 standard1:1.05 | Card-dependent. Devalued from 1:2 on 2026-04-19. |
| Wells Fargo Rewards | 1:2 | 1 Wells Fargo Rewards point = 2 Choice Privileges points. Best inbound ratio. |
Status accelerators
Perks that unlock at spending milestones.
1 benefit
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Status accelerators
Perks that unlock at spending milestones.
1 benefit
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
Other
Other perks on this card.
1 benefit
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Other
Other perks on this card.
1 benefit