Choice Privileges Select Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Choice Privileges Select earns X on all purchases with a $95 annual fee.
2.5/5
Overall
3.0/5
Value
CompareChoice Privileges Select vs Delta SkyMiles Blue·Choice Privileges Select vs Blue Business Cash·Choice Privileges Select vs Blue Business Plus·Choice Privileges Select vs Blue Cash Everyday·Choice Privileges Select vs Cash Magnet
Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| Everything Else | 1X pts/$ | 1.00¢ | All |
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Benefits
Effective Annual Fee
Annual fee–$95
Net annual cost–$95 effective cost
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by WELLS_FARGO and subject to change. Verify all information on the issuer's website before applying.
Strengths and Weaknesses
Strengths
- No foreign transaction fees
Weaknesses
- $95 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
International Travelers
No foreign transaction fees
Value Seekers
Strong rewards relative to $95 fee
Frequently Asked Questions
Is the Choice Privileges Select worth $95/year?
For moderate spenders, generally yes. The Choice Privileges Select offers rewards and benefits that typically exceed the $95 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Choice Privileges Select?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.