Choice Privileges Select World Elite Mastercard Credit Card Terms and Conditions
Part 2: Choice Privileges® Select Mastercard® Credit Card Rewards Program Agreement Terms and Conditions
This information describes the Choice Privileges® Mastercard® Credit Card Rewards Program Agreement (Cards Rewards Program) terms and conditions (Terms). "You," "your," and "cardholder" mean each person that has an Account and participates in its Choice Privileges Rewards Program, according to our records.
"Wells Fargo," "we," "our," and "us" refer to Wells Fargo Bank, N.A. "Account" means the Choice Privileges® Mastercard* Credit Card that we issue you. "Choice Privileges Rewards Program" refers to the loyalty program that Choice Hotels International ("Choice Hotels") owns and operates. The "Choice Privileges Rewards Program Rules and Regulations" refers to the agreement between you and Choice Hotels.
The "Choice Privileges Rewards Program Rules and Regulations" govern use of the Card Rewards Program. You agree to these Terms by participating in both this Card Rewards Program and the Choice Privileges Rewards Program Terms and Conditions. Choice Hotels® may make changes to an individual's Choice Privileges Rewards Program account in accordance with the Choice Privileges Rewards Program Terms and Conditions. Please note: At any time, the Choice Privileges Rewards Program Rules and Regulations may change, and Choice Hotels can also add services and benefits. Choice Hotels can do so without notifying you.
By participating in the Choice Privileges Rewards Program, you agree to these Terms. By agreeing to these Terms, we may share account information with Choice Privileges Rewards Program to administer and service the Card Rewards Program that you request.
Wells Fargo may contact you at the phone number(s) you provide. You are authorized to provide this phone number(s) and agree to receive calls and text messages from Wells Fargo at this number(s) for all your current and future Wells Fargo products and services. This does not give Wells Fargo permission to call or text you for marketing purposes. Message and data rates may apply. Message frequency varies. Automated systems, including prerecorded or artificial voice may be used.
You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Wells Fargo, or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.
You agree that Wells Fargo may share the last four digits of your SSN or ITIN with our partners.
You agree to promptly notify us if you change any contact information you provide to us. This includes your name, mailing address, email addresses, or phone numbers.
How do you earn points?
The Card Rewards Program is automatically available to You if Your Choice Privileges Mastercard account ("Card Account") is open and not delinquent. You also must have an open Choice Privileges Rewards Account. If you do not already have a Choice Privileges Rewards Account when you apply for a Card Account, a Choice Privileges Rewards Account will be opened for you.
One way you can earn points on your Choice Privileges Rewards membership is by making purchases on your Choice Privileges Mastercard. You will earn a specific number of points for the following Transactions in approved Mastercard merchant categories. "Transactions" means when you use your Credit Card and create a charge to your line of credit, not including fees and finance charges.
Please note: Merchants control when they process purchases and are the only ones who determine the date that each qualifying purchase posts to your Account.
10 points (one base point and nine bonus points)
(1) You earn ten points for every $1.00 you spend on stays at Eligible Locations with your Card Account on Qualifying Net Purchases. "Net Purchases" are purchases that you charge to your Account (minus returns or credits). You can book these stays at both Choice Hotels brand and non-Choice Hotels brand hotels and resorts.
You must book these stays in one of the following ways:
- Visiting Choicehotels.com
- Using the Choice Hotels mobile app
- Calling the Choice Hotels Service Center
- Contacting a Choice Hotels brand hotel directly
For a list of Eligible Locations, visit: choicehotels.com/creditcards/eligiblelocations. Eligible Locations may be added or removed at any time.†
(2) You also earn 10 points per $1.00 spent on Qualifying Net Purchases of Choice Privileges Points made on the Card Account.
5 points (one base point and four bonus points)
You earn five points for every $1.00 you spend on Qualifying Net Purchases at eligible merchants. These merchants must have a classified Mastercard® merchant category in the following categories:
Automobile Stations
- Automated fuel dispensers (self-pumping gas stations)
- Electric vehicle charging stations
- Gas stations
The following retailers may not earn bonus points in this category:
- Auto repair stores
- Car washes
- Gas purchases at warehouses and membership clubs
- Grocery stores
- Superstores that sell gasoline
Grocery Purchases
- Delis and bakeries
- Grocery stores
- Supermarkets
The following retailers may not earn bonus points in this category:
- Convenience stores
- Meal-kit delivery services
- Superstores that sell groceries
- Warehouses and membership clubs
Telecommunication Services
- Cell phone providers
- Landline providers
The following transactions may not earn bonus points in this category:
- Cell phone accessories
- Cell phone hardware
- Cell phone payments that you make through third-party merchants
- Subscription-based services that do not relate to telecommunications, like cable television and streaming services
Home Supply, Equipment, and Improvement
- Furniture and household appliance stores
- Floor, glass, paint, and wallpaper stores
- Hardware stores
- Home accessories stores
- Home improvement stores
- Lease and rental services for future and household appliances
- Nurseries and garden supply stores
- Supplies, contractors, or specialists that provide a home improvement service
- Swimming pool sales
This category may not include
- Cleaning, maintenance, and janitorial services
- Exterminating and disinfecting services
- Miscellaneous repair and small appliance repair services
- Welding services
- Department stores, discount stores, supermarkets, and wholesale clubs that sell home furnishings
1 point on Other Qualifying Net Purchases
You will earn one point for every $1.00 you spend on other Qualifying Net Purchases.
Understanding Merchant Codes on Purchases
Mastercard assigns merchants codes based on the main products or services they sell. We do not control how a retail business is classified to a Mastercard Category. Purchases you make outside of the approved categories do not qualify for bonus rewards. This includes purchases you make using a third-party payment account, with a mobile/ wireless card reader, or through an online marketplace with multiple retailers. Wells Fargo and Choice Privileges reserve the right to determine which purchases qualify for bonus points.
What May Not Earn Bonus Points?
You may not earn bonus points for purchases you make through the following:
- Mobile or digital wallets
- Online marketplaces
- Retailers who submit purchases using a mobile or wireless card reader
- Third-party payment accounts
What is an Anniversary Bonus and how many Anniversary Bonus Points will you receive?
You will earn 30,000 points (Anniversary Bonus Points) at the end of each 12-month period (Anniversary Year), as long as you qualify.
To qualify, during the Anniversary Year, your Card Account must:
- Remain open
- Have all payments made on time
- Not be in default on your Anniversary Date
When Your Anniversary Year Begins and Ends
Your Anniversary Year begins on the date you opened your Card Account (your Anniversary Date) and ends on the day before your next Anniversary Date. For example, if your Anniversary Date is November 28, your Account Anniversary Year will end on November 27 each year. Your Anniversary Bonus will be awarded at the end of the billing cycle that your Anniversary Date occurs.
What Choice Privileges Elite Qualifying Nights will you receive?
When Opening Your Account
Within 14 days of opening your Card Account, you will receive 10 Elite Qualifying Nights (EQNs) in your Choice Privileges Rewards Account. EQNs are the sum of a Member’s points-eligible nights, bonus EQNs earned through holding a Choice Privileges Mastercard, Rewards Nights and nights under the Employee or Friends & Family rate plans within the calendar year. The Program may also award additional EQNs to a Member as part of specific promotions or rewards.
Each Calendar Year Your Account Is Open
On January 1 of each year, you will receive another 10 EQNs. Your Card Account must be open and as of December 31 in the prior year to receive these EQNs. EQNs are subject to the Choice Privileges Rewards Program Rules and Regulations.
How You Are Able to Receive the EQNs?
To receive these EQNs, you must have an active Choice Privileges Rewards Program Member account linked to your Card Account, and your Card Account must be open as of December 31 of the prior year. For more details, refer to the Choice Privileges Rewards Program Rules and Regulations at: choicehotels.com/choice-privileges/rules-regulationsfor details.†
What is not a Qualifying Net Purchase?
The following items are not Qualifying Net Purchases and do not earn points:
Cash Advances and Equivalents
- ATM charges
- Cash advances
- Money orders
- Pre-paid gift cards
- SUPERCHECKS™
- Traveler's checks
- Wire transfers
- Person-to-person money transfers
- Overdraft protection advances
- Digital currencies (to the extent accepted)
Balance Transfers
- Balance Transfers
- SUPERCHECKS™
Disputes, Illegal Actions, and Violations
- Disputed or illegal purchases
- Purchases that violate the terms of your agreement or the Choice Privileges Rewards Program Rules and Regulations
Fees and Interest
These items include fees or interest that post to your Card Account, such as:
- Late fees
- Monthly or annual fees
- Returned payment fees
Gambling Charges
- Bets or wagers you make online
- Casino gaming chips
- Lottery tickets
- Off-track wagers
When are points calculated?
Points are calculated each billing cycle, which is the time between your Account’s billing statements . Generally, the points you earn during each billing cycle will be automatically transferred to Choice Privileges Rewards Account at the end of that cycle, but in some circumstances, it may take longer.
Where can you find your earned points?
Your monthly billing statement will list any points you have earned from purchases on your card. You can view all earned, unredeemed points by logging into your Choice Privileges Rewards Account.
What are bonus offer points?
Wells Fargo or Choice Privileges may offer you ways to earn bonus offer points through the Card Rewards Program or with third-party partners, such as special promotional offers (Promotional Offers). You can choose whether to use a Promotional Offer.You will find out more about the number of bonus offer points you can earn and any other terms at the time of the Promotional Offer. This agreement incorporates references to the additional terms for those offers .
Understanding Third-Party Terms and Conditions
Promotional Offers may be subject to a third party’s additional terms and conditions, which Wells Fargo does not control. Wells Fargo is not liable for the actions of those third parties or for their additional terms and conditions. You are responsible for carefully reading and complying with any third-party terms and conditions connected to a Promotional Offer.
Who receives points from an Authorized User’s card use?
When Authorized Users make approved Transactions, we only credit the primary cardholder’s Choice Privileges Rewards Account for their card use. An "Authorized User" is anyone that you legally authorize to use your Card Account.
What happens to your points on returned or adjusted transactions?
Returns and adjustments may affect your points calculations.
How can you redeem your points?
You can redeem your points only at Choice Privileges. Please refer to the following for more information:
Choice Hotels Details
Website to Visit
Other Points Details
Review the Choice Privileges Rewards Program Rules and Regulations at: choicehotels.com/choice-privileges/rules-regulations.†
Reward Night Redemption Value From Eligible Stays at Choice Privileges
Refer to choicehotels.com.†
At any time and for any reason, Choice Privileges may change the number of points you need to redeem them. They can make this decision without notifying you.
Do unredeemed points have cash value?
No.
Are points taxable income?
Your points’ value may be reported as income to the Internal Revenue Service and state and local tax authorities. As a result, some points or Promotional Offers you receive may qualify as taxable income. By using the Card Rewards Program, you are responsible for paying any of the reward’s federal, state, or local taxes, or other connected fees or gratuities. If you have other questions about your tax liability, please consult your tax advisor.
Are redeemed points refundable?
Redeemed points may not be refundable. For more details, refer to the Choice Privileges Rewards Rules and Regulations at: choicehotels.com/choice-privileges/rules-regulations.†
What happens to your points if your Card Account closes?
You will lose any points that have not yet been transferred to your Choice Privileges Rewards Account before the Card Account closes.
What is our responsibility for your points?
Our only obligation with the award and redemption of your points is to request Choice Privileges to award points to your associated Choice Privileges Rewards Account.Choice Hotels is responsible for ensuring all hotels participating in the Choice Privileges Rewards Program are correctly reported to Wells Fargo for earning on Choice Privileges Mastercard purchases.
Can we change the Card Rewards Program or these Terms?
Yes. We reserve the right to amend, cancel, or temporarily suspend the Card Rewards Program and these Terms. We can do so in whole or in part, or change any of the terms at any time and for any reason. This action may result in cancellation or forfeiture of any transaction that has not yet converted to points. If we make any material changes to the Terms or Cards Reward Program, we will notify you ahead of time in writing.
Can we remove a person from the Card Rewards Program?
Yes. We can immediately suspend or cancel your Card Rewards Program, in whole or in part, at any time and for any reason. We will do so if you do any of the following:
- Violate these Terms or your Credit Card Account terms and conditions
- Engage in fraud or suspected fraud, or someone associated with your Account does
- Misuse or game the Program, or take another similar action
Which terms govern points?
The Choice Privileges Rewards Program Rules and Regulations govern all accrued and posted points. To review those complete terms, visit: choicehotels.com/choice-privileges/rules-regulations.†
Can we choose how to enforce our rights?
Yes. We reserve the right to delay or not enforce any of our rights under the Rewards Program. We can do so without waiving or losing our right to enforce them later.
Which terms govern Choice Privileges Rewards?
The Choice Privileges Rewards Terms and Conditions govern all accrued and issued points. To refer to the complete terms and conditions, visit: choicehotels.com/choice-privileges/rules-regulations.†Our only obligation with the award and redemption of your points is to request Choice Privileges to award points to your associated Choice Privileges Rewards Account. After we make this request, we are not liable or responsible for Choice Privilege’s failure to award or redeem Choice Privileges Rewards to or from your associated Choice Privileges Rewards Account. Wells Fargo has no responsibility for the administering of the Choice Privileges Rewards Program.
What is the governing law for these Terms?
Federal law governs these Terms, as well as South Dakota law, if it applies.
Which arbitration terms apply?
These Terms are part of your credit card agreement with Wells Fargo. Any arbitration provisions in your agreement, including the Military Lending Act, will apply to these Terms.
* Wells Fargo Bank, N.A. issues and administers the Choice Privileges® Elite Mastercard® under a license from Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated.
† You are leaving the Wells Fargo website. Wells Fargo has provided this link for your convenience but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
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