Wells Fargo Choice Privileges Select Mastercard vs Signify Business Cash
Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Signify Business Cash 2.0% 2% base rate
- Choice Privileges Select Mastercard 0.9% 1x base rate
Groceries
- Choice Privileges Select Mastercard 4.3% 5x
- Signify Business Cash 2.0% 2% base rate
Gas
- Choice Privileges Select Mastercard 4.3% 5x
- Signify Business Cash 2.0% 2% base rate
Phone & internet
- Choice Privileges Select Mastercard 4.3% 5x
- Signify Business Cash 2.0% 2% base rate
Home improvement
- Choice Privileges Select Mastercard 4.3% 5x
- Signify Business Cash 2.0% 2% base rate
What the numbers are doing
Abroad the answer flips: Signify Business Cash charges a 3% foreign transaction fee, so once that comes off the rate Choice Privileges Select Mastercard is the better card for everyday spend.
The table is earn rate only — annual fees are not netted out of it. These cards charge Choice Privileges Select Mastercard $95 and Signify Business Cash $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: Signify Business Cash takes everything else; Choice Privileges Select Mastercard takes groceries, gas, phone & internet and home improvement.
| Category | Best card |
|---|---|
| Everything else | Signify Business Cash2.0% |
| Groceries | Choice Privileges Select Mastercard4.3% |
| Gas | Choice Privileges Select Mastercard4.3% |
| Phone & internet | Choice Privileges Select Mastercard4.3% |
| Home improvement | Choice Privileges Select Mastercard4.3% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Signify Business Cash — 2.0%
- Choice Privileges Select Mastercard — 0.9%
Groceries
- Choice Privileges Select Mastercard — 4.3%
- Signify Business Cash — 2.0%
Gas
- Choice Privileges Select Mastercard — 4.3%
- Signify Business Cash — 2.0%
Phone & internet
- Choice Privileges Select Mastercard — 4.3%
- Signify Business Cash — 2.0%
Home improvement
- Choice Privileges Select Mastercard — 4.3%
- Signify Business Cash — 2.0%
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