The Choice Privileges Mastercard is a travel rewards card linked to the Choice Hotels loyalty program.
It offers bonus points, exclusive rewards, and charges no annual fee. It’s best for travelers who stay regularly at Choice Hotels. This guide covers the card’s features, how to apply, and key terms you should know.
Key Features and Welcome Offer
This card’s standout feature is its updated welcome bonus. New cardholders can earn 60,000 bonus points after spending $1,000 in the first 3 months.
These points are enough for up to 7 free reward nights at select Choice Hotels properties. Compared to the previous 40,000-point offer, this is a significant increase.
The card also comes with no annual fee, making it a low-risk entry point into travel rewards.
Rewards Program Breakdown
The Choice Privileges Mastercard is designed to maximize hotel stays and everyday spending. When used at Choice Hotels, you can earn up to 16X total points.
This includes the base 5X points for using the card, up to 10X as a loyalty member, and a 10% bonus for those with Gold Status.
It also rewards spending in everyday categories, not just travel. You’ll earn 3X points on purchases at gas stations, grocery stores, home improvement stores, and phone service providers.
For all other purchases, you earn 1X point per dollar. These rates make the card more versatile than most hotel-branded options.
Benefits for Frequent Travelers
Frequent travelers will appreciate how the card enhances stays at Choice Hotels. Gold Status holders receive 10% bonus points on every stay, which boosts your earning rate without needing extra spending.
Since points add up quickly at 16X on hotel stays, even occasional users can redeem free nights within a few months.
There are no blackout dates when redeeming points, which increases the practical value of rewards. Loyalty members also receive exclusive rates and benefits when booking directly with Choice.
How to Apply for the Card?
The application process is straightforward and can be completed online in minutes. First, visit the Choice Privileges Mastercard application page.
You’ll be asked to provide your full name, contact details, Social Security Number, employment status, and income. A soft credit pull may occur at the start, followed by a hard inquiry upon submission.
If you meet the requirements, you may receive an instant decision. Make sure your credit history is in good standing.
A credit score of 670 or higher is generally recommended for approval. You must be a U.S. resident and at least 18 years old to apply.
Who Should Consider This Card?
This card is a good fit if you regularly stay at hotels under the Choice Hotels brand. It’s also useful for anyone looking to start earning travel rewards without paying an annual fee.
If you already hold Gold Status, you’ll benefit even more from the bonus rewards.
This card is not ideal for individuals seeking flexible point transfers or broader travel benefits, as rewards are primarily limited to Choice properties. However, if you’re loyal to the brand, the value is clear and easy to realize.
Interest Rates and Fees
Understanding the rates and fees is essential before applying. The Purchase APR ranges between 20.74% to 29.74% variable, based on your creditworthiness.
The Cash Advance APR is higher, at 29.99%, and interest begins accruing immediately on cash advances. Late or missed payments may trigger a Penalty APR.
Despite the high APRs, the card stands out for its no-annual-fee and no-foreign-transaction-fee features.
Balance transfers are allowed but come with a 3% fee (minimum $5) per transfer. Always pay on time to avoid penalty rates and maintain a good credit score.
Customer Support and Assistance
If you have questions about the card or need help during the application, you can call customer service at 833-714-3490. Support is available 24/7.
You may also visit your nearest Choice Hotel for general inquiries or consult their online help center. Their team is well-equipped to assist you with rewards, billing, or redemption concerns.
Maintaining a good standing account is crucial, so please don’t hesitate to reach out when needed. The faster you resolve issues, the better your long-term experience will be with the card.
Limitations and Disclaimers
Before applying, be aware of the specific limitations associated with the welcome offer and points program. The 60,000 bonus points are only available to new cardholders who haven’t held a similar card in the past 24 months.
Your account must be open and in good standing to receive the bonus. Points earned are subject to Choice Privileges terms and conditions, and redemption rates vary by property and location.
Availability may change without notice, and blackout dates may apply at some locations. You cannot transfer points to other loyalty programs.
Pros and Cons Summary
Here’s a quick summary of the key pros and cons of the Choice Privileges Mastercard. This helps clarify whether the card suits your lifestyle and travel goals.
Pros:
- 60,000 bonus points after $1,000 spend in 3 months
- No annual fee
- 16X points on hotel stays
- Bonus categories like gas, grocery, and phone services
- No foreign transaction fees
Cons:
- High interest rates if balance not paid in full
- Limited use outside Choice Hotels network
- No airport lounge access or luxury perks
Expert Tips to Maximize Your Choice Privileges Mastercard
If you want to get the most value from your Choice Privileges Mastercard, you need a smart strategy.
These practical tips will help you earn more points, redeem them efficiently, and manage your account with confidence. Use them to stretch the value of every dollar you spend.
- Book Directly Through Choice Hotels: Always book directly via the Choice Hotels website or app to earn full loyalty and cardholder points. Third-party bookings may not qualify for 10X loyalty rewards or status-based bonuses.
- Pay Off Balances Monthly: Since the card has a high variable APR (up to 29.74%), avoid carrying a balance. Paying in full each month prevents interest charges and keeps your score healthy.
- Use for Bonus Categories: Prioritize using the card at gas stations, grocery stores, phone services, and home improvement retailers. These purchases earn 3X points and help you rack up rewards outside of travel.
- Stack Status and Promotions: Combine your Gold Status bonus with seasonal Choice Hotels promos. This increases your redemption value and may unlock early access to deals or room upgrades.
Final Thoughts: Should You Apply for the Choice Privileges Mastercard?
The Choice Privileges Mastercard is a strong hotel rewards card for people who regularly stay at Choice Hotels.
It delivers solid benefits without high costs with no annual fee, a generous 60,000-point welcome bonus, and valuable earning rates.
The rewards are straightforward, and the application process is quick. This is an excellent option if you want a hotel card that builds points fast and fits a practical travel lifestyle.
