Choice Privileges Mastercard
By Alex Compton · Last verified
A fat point bonus on a free card, if you can love Choice hotels.
Welcome Bonus
40,000
≈$360 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 60k before; the current 40k is right at its typical 40k. Elevated offers have appeared 1 time in the last two years of our data, so if you can wait, history is on your side.
Current offer
40k
All-time high
60k
Typical offer
40k
In place since
June 2026
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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Earning Rates
- 5xChoice Privileges hotel purchases
- 3xGas, grocery, home improvement and phone plans
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Choice Privileges Gold status via 10 elite night credits annually
- ✦Cell phone protection up to $800
- ✦No foreign transaction fees
Why it earns its spot
- +Useful 3x everyday categories on a no fee card
- +Bonus covers several nights at budget Choice properties
Where it costs you
- −Choice points hover around 0.9 cents and the footprint skews economy
- −Gold status at Choice gets you very little
The Compound Verdict
The math works better than the brand. 40k points for $1,000 spend on a free card is multiple free nights at Comfort Inn tier properties, and the 3x everyday categories are respectable. Just know what you are earning toward: Choice shines for road trippers and budget stays, not aspirational travel.
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