Wells Fargo Choice Privileges Mastercard vs Choice Privileges Select Mastercard
Both are Wells Fargo cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Choice Privileges Mastercard 0.9% 1x base rate
- Choice Privileges Select Mastercard 0.9% 1x base rate
Groceries
- Choice Privileges Select Mastercard 4.3% 5x
- Choice Privileges Mastercard 2.6% 3x
Gas
- Choice Privileges Select Mastercard 4.3% 5x
- Choice Privileges Mastercard 2.6% 3x
Phone & internet
- Choice Privileges Select Mastercard 4.3% 5x
- Choice Privileges Mastercard 0.9% 1x base rate
Furniture stores
- Choice Privileges Mastercard 2.6% 3x
- Choice Privileges Select Mastercard 0.9% 1x base rate
Home improvement
- Choice Privileges Select Mastercard 4.3% 5x
- Choice Privileges Mastercard 2.6% 3x
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Choice Privileges Mastercard $0 and Choice Privileges Select Mastercard $95 a year, so a thin lead in one category may not cover the difference.
Where they differ: Choice Privileges Select Mastercard takes groceries, gas, phone & internet and home improvement; Choice Privileges Mastercard takes furniture stores.
| Category | Best card |
|---|---|
| Everything else | Choice Privileges Mastercard0.9% |
| Groceries | Choice Privileges Select Mastercard4.3% |
| Gas | Choice Privileges Select Mastercard4.3% |
| Phone & internet | Choice Privileges Select Mastercard4.3% |
| Furniture stores | Choice Privileges Mastercard2.6% |
| 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
- Choice Privileges Mastercard — 0.9%
- Choice Privileges Select Mastercard — 0.9%
Groceries
- Choice Privileges Select Mastercard — 4.3%
- Choice Privileges Mastercard — 2.6%
Gas
- Choice Privileges Select Mastercard — 4.3%
- Choice Privileges Mastercard — 2.6%
Phone & internet
- Choice Privileges Select Mastercard — 4.3%
- Choice Privileges Mastercard — 0.9%
Furniture stores
- Choice Privileges Mastercard — 2.6%
- Choice Privileges Select Mastercard — 0.9%
Home improvement
- Choice Privileges Select Mastercard — 4.3%
- Choice Privileges Mastercard — 2.6%
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