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Choice Privileges® Select Mastercard®: Full Review [2026]
Jarrod West
Jarrod West
Senior Content Contributor
695 Published Articles
Countries Visited: 21U.S. States Visited: 24
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year and his work has been featured in o...
A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little ca...
Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and que...
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Choice Privileges® Select Mastercard®
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
60,000 points
$95
19.74%, 25.49%, or 28.49%, based on your creditworthiness
Choice Privileges® Select Mastercard®
The Choice Privileges Select card is perfect for Choice loyalists, with 10x rewards on Choice stays and automatic Platinum Elite status.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
Card Details
Card Snapshot
Welcome Bonus & Info
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.
Earn 10X points on stays at participating Choice Hotels® properties.
Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
$95 annual fee.
Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
Receive 20 Elite night credits qualifying for at least Platinum level status each calendar year.
No foreign transaction fee.
Pros & Cons
Pros
10x points on Choice stays
5x points at gas stations, grocery stores, home improvement stores, and phone plan services
1x point on all other purchases
Automatic Platinum Elite status
30,000 bonus points each account anniversary
Cell phone protection
Global Entry or TSA PreCheck credit
Cons
Points are not transferable
$95
Upgraded Points: Expertise You Can Trust
Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
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Routine Updates and Fact-Checks
First-Hand Credit Card Experience
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Methodical “U.P. Rating” System
1225+ Expert Credit Card Guides
Great Card If
You frequent Choice hotels multiple times per year.
You know you’ll get more value than the annual fee.
Don’t Get If
You want a card that earns flexible rewards.
You seldom stay at Choice hotels.
Choice Privileges Select Card: Is It Worth It?
If you visit Choice hotels fairly often and want more value from these stays, then the Choice Privileges Select card could be a strong fit.
With it, you earn 10 points per $1 on participating Choice stays and receive automatic Platinum Elite status (which earns 25% bonus points), 30,000 bonus points each anniversary, a Global Entry or TSA PreCheck credit, cell phone protection, and more.
Choice Privileges Select Card: Top Benefits
Platinum Elite Status
By holding the Choice Privileges Select card, you receive automatic Platinum Elite status in the Choice Privileges loyalty program, which usually requires 20 elite qualifying nights each year.
With your Platinum Elite status, you receive:
25% bonus points (12.5 points per $1)
Up to 19 elite rollover nights per calendar year
Welcome gift at participating hotels in the U.S. and Canada
Early check-in and late checkout, when available, at participating hotels
Elite reserved parking, when available, at participating hotels
Cardholders can earn Elite Qualifying Credits for their day-to-day spend on their card to help them achieve higher levels of Choice Privileges elite status.
For example, if you wanted to increase the Platinum status that comes with your card to Diamond status, which comes with added perks like 50% bonus points and complimentary breakfast, you’d either need to earn 35 elite qualifying nights or use your card to help you earn 70,000 elite qualifying credits.
Anniversary Bonus Points
By holding the card, you receive 30,000 bonus points each year on your account anniversary, enough for a free night at any Choice hotel worldwide. We value Choice points at 0.6 cents per point, making 30,000 points worth $180. That easily offsets the card’s ongoing annual fee ($95), in our book.
Global Entry or TSA PreCheck Credit
You receive an application fee credit when you enroll for Global Entry or TSA PreCheck and pay with your Choice Privileges Select card.
If you’re unfamiliar with it, TSA PreCheck provides an expedited security experience at U.S. airports. Global Entry provides an expedited customs experience when you enter the U.S. from abroad, and it includes TSA PreCheck, so we always recommend travelers apply for Global Entry.
Cell Phone Protection
When you pay your cell phone bill with the Choice Privileges Select card, you receive up to $800 of cell phone protection toward accidental damage, with a $25 deductible and a maximum of 2 paid claims per 12-month period.
How To Earn and Redeem Choice Privileges Points
The best way to earn more Choice Privileges points is to use your card for as many purchases as possible, especially in the everyday bonus categories of gas stations, grocery stores, home improvement stores, and phone plan services.
But better yet, you earn 10x points on your Choice stays when you pay with your card, in addition to the 12.5 points you earn per $1 spent at Choice hotels thanks to your Platinum Elite status. That’s a total of 22.5 points per $1 spent.
Without question, the best way to redeem Choice points is for Choice hotel stays. We value Choice Privileges points at 0.6 cents per point, but you can get more value than that. If you need ideas on where to book your next vacation, read through our guide on the best ways to redeem Choice points.
Alternative Cards to the Choice Privileges Select Card
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel.
75k miles + $250 Capital One Travel credit
$1,600
$95
Purchases: 19.49% - 28.49% (Variable)
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent Credit
Why We Like This Card
The Capital One Venture Rewards Credit Cardis one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
Pros & Cons
Pros
5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Up to a $120 Global Entry or TSA PreCheck application fee credit
LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
For a $95 annual fee, you could add a card that earns transferable miles with many airline and hotel partners, including Choice, and offers multiple additional redemption options.
Plus, the Capital One Venture card earns 5x miles on hotels and rental cars booked through Capital One Travel and 2 miles per $1 on all other purchases. Additionally, it offers a Global Entry or TSA PreCheck credit.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
All information about American Express Green Card® has been collected independently by Upgraded Points.
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.
Earn 40,000 Membership Rewards® points after you spend $3,000 in eligible purchases on your American Express Green Card® within the first 6 months of Card Membership.
40,000 points
Up to $880
$150
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent (670-850)
Why We Like This Card
The American Express Green Card® is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.
Pros & Cons
Pros
3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
Up to $209 per calendar year in statement credits after you pay for a CLEAR® Plus membership with the Card.
Access to American Express transfer partners
Cons
$150 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express Green Card® within the first 6 months of Card Membership.
Earn 3X Membership Rewards® points on travel, including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
Earn 3X Membership Rewards® Points on transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
Earn 3X Membership Rewards® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
$209 CLEAR Plus Credit: Receive up to $209 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express Green Card®.
Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express Green Card® there are no foreign transaction fees.
With it, you earn 3x points on travel, transit, and restaurants worldwide. Plus, it offers an annual CLEAR® Plus credit of up to $209, travel and purchase protections, and more.
*The information regarding the American Express Green Card® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
