MastercardChoice Privileges Mastercard
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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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