Choice Privileges World Elite Mastercard Credit Card Terms and Conditions

Choice Privileges^® Mastercard^® Credit Card Terms and Conditions

Issued and administered by Wells Fargo Bank, N.A., pursuant to a license from Mastercard International.

IMPORTANT DISCLOSURES

* You are leaving Wells Fargo and entering a website that Wells Fargo does not control. 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.

How we will calculate your balance

We use a method called "average daily balance (including new purchases)".

We will begin charging interest on cash advances and balance transfers on the transaction date.

Important Information About Balance Transfer(s)

• Balance transfers are contingent on approval of your account.
• You cannot transfer a balance from any account issued by Wells Fargo or any of its affiliates.
• The total amount of your balance transfer request(s), including fees, cannot exceed your available credit.  If your request(s) exceed your available credit, we may send less than the amount requested, or no amount, to your creditor.
• It will take about two weeks to complete the processing of your balance transfer request(s). If you decide to cancel a balance transfer request, please contact us at 1-800-642-4720 immediately and prior to confirming your card.
• Balance transfers do not earn rewards.

Table of Contents

In this application, "the Bank," "Wells Fargo," "we," "our," and "us" refer to Wells Fargo Bank, N.A. "You" and "your" mean each person who applied for and received a Wells Fargo Credit Card account.

Please note: Information about the credit card Account’s interest rates, interest charges, and fees is correct as of December 2025. This information may have changed after that date. To learn of any changes, call 1-833-714-3490.

Part 1: Important Details About Using This Credit Card Account

1. What is this application for?
2. What do you agree to by applying for this credit card account?
3. Are you eligible for introductory annual percentage rates (APRs), fees, and/or bonus rewards?
4. Will you qualify if you already have a Choice Privileges or Choice Privileges Select Mastercard account?
5. What procedures do we use to verify your identity when you open a Card Account?
6. How do we review this application?
7. What should you do once you receive your new card?
8. What is the minimum credit limit?
9. How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?
10. How do we calculate your variable APRs?
11. How do we apply your payments?
12. How do we verify information from phone service providers?
13. How and why can we contact you?
14. What happens if your contact information changes?
15. How is the credit card law different for Ohio residents?
16. How is the credit card law different for married Wisconsin residents?
17. How does information sharing work?
18. How does the introductory offer work?
19. What transactions do not qualify for the introductory offer?

Part 2: Choice Privileges^® Mastercard^® Credit Card Rewards Program Agreement Terms and Conditions

1. How do you earn points?
2. What May Not Earn Bonus Points?
3. What Choice Privileges Elite Qualifying Nights will you receive?
4. What is not a Qualifying Net Purchase?
5. When are points calculated?
6. Where can you find your earned points?
7. What are bonus offer points?
8. Who receives points from an Authorized User's card use?
9. What happens to your points on returned or adjusted transactions?
10. How can you redeem your points?
11. Do unredeemed points have cash value?
12. Are points taxable income?
13. Are redeemed points refundable?
14. What happens to your points if your Card Account closes?
15. What is our responsibility for your points?
16. Can we change the Card Rewards Program or these Terms?
17. Can we remove a person from the Card Rewards Program?
18. Which terms govern points?
19. Can we choose how to enforce our rights?
20. Which terms govern Choice Privileges Rewards?
21. What is the governing law for these Terms?
22. Which arbitration terms apply?

Part 1: Important Details About Using This Credit Card Account

1. What is this application for?

   This application is for a credit card account with Wells Fargo Bank, N.A. 

2. What do you agree to by applying for this credit card account?

   • Correct Information

     You agree that all the information you provided in this application is true, correct, and complete.

   • Legal Capability

     You agree that you can legally enter into the Consumer Credit Card Customer Agreement and Disclosure Statement (Agreement).

   • Marital Status

     Regardless of your marital status, you are applying for a credit card account in your own name.

   • Account Agreement

     You agree to the terms and conditions of the Agreement which will be sent to you. You can also access the Agreement by accessing this link: www.wellsfargo.com/credit-cards/agreements/choice-agreement/. Please note that the Agreement’s terms may change at any time, subject to applicable law.

   • Arbitration Terms

     You agree to the arbitration terms included in the Agreement. You can access the arbitration terms by accessing this link: www.wellsfargo.com/credit-cards/agreements/choice-agreement/.

   • Financial Liability

     By using this account, you are financially liable (responsible) for any amount you charge or authorize another to charge, including any amounts by any authorized users.

   • Verification

     By applying for this credit card account, you agree that we may:

     • Verify or check any of the information you give us
     • Obtain credit reports about you
     • Investigate your credit, employment, and income history
     • Investigate your state records, including state employment security agency records
     • Report information about your account to consumer reporting agencies

     You also agree that we may obtain a consumer report from consumer reporting agencies to do the following:

     • Consider your application
     • Update, renew, extend credit, review, or collect money on this Account

     Upon your request, we will tell you the name and address of each consumer reporting agency that provides us a consumer report about you.

3. Are you eligible for introductory annual percentage rates (APRs), fees, and/or bonus rewards?

   You may not be eligible for an introductory bonus rewards offer if you opened a Choice Privileges Mastercard Credit Card or a Choice Privileges Select Mastercard Credit Card within the last 15 months from the date of this application, even if that account is closed and has a $0 balance.

4. Will you qualify if you already have a Choice Privileges or Choice Privileges Select Mastercard account?

   No. You are only allowed one account.

5. What procedures do we use to verify your identity when you open a Card Account?

   To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying information.

6. How do we review this application?

   You agree that we can review your criteria to determine which products you qualify for and how much credit we will give you. Further, you agree that we will give you the product and pricing you qualify for.

7. What should you do once you receive your new card?

   As soon as your new card arrives, please confirm with us that you received it. You can confirm your card by using one of many convenient methods that we provided with your card.

   If you do not confirm your card, your requests for certain services may be delayed, such as:
   • Balance transfers
   • Wells Fargo Online^®
   • ATM access
   Further, you may also be denied access to your Card Account's full credit line.

8. What is the minimum credit limit?

   The minimum credit limit is $1,000.00.

9. How might we manage credit limits if you have multiple Wells Fargo Credit Card accounts?

   If you are applying for an additional card, then you agree that we can distribute your credit limits between each card if:

   • You already have a Wells Fargo Credit Card account that has no current balance, and
   • You have not used the Wells Fargo Credit Card account for any reason within the past six months.

   Please note: You can change or re-distribute your credit limits on your own by calling Customer Service any time at the number listed on the back of your card. Certain restrictions may apply.

10. How do we calculate your variable APRs?

    A variable APR is an interest rate that varies with the market based on the U.S. Prime Rate. To calculate your variable APR for each billing period, we use the U.S. Prime Rate and add a margin.

    • How We Determine the U.S. Prime Rate

      • Each billing period, we use the U.S. Prime Rate that The Wall Street Journal publishes in its Money Rates section three business days before your billing statement’s closing date. When more than one U.S. Prime Rate exists, we use an average. If the U.S. Prime Rate is not published or available (temporarily or permanently), we use a substitute index that we believe is similar to the U.S. Prime Rate. We do so at our sole discretion. As of 02/19/2026, the U.S. Prime Rate is 6.75%.

      • How We Calculate Your Variable APR

        We use the following margins:

        • For purchases and balance transfers: We add either 12.99%, 17.74%, or 21.74% to the U.S. Prime Rate. Your creditworthiness determines the percentage we use. The Maximum APR is 29.99%.
        • For cash advances: We add 22.74% to the U.S. Prime Rate. The Maximum APR is 29.99%.

        We reserve the right to change terms, APRs, and fees at our discretion by following your Agreement and as allowed by applicable law.

        Please note: You may not qualify for the lowest APR described. We review your credit report, information provided in your application, and other available relevant information to determine your APRs.

11. How do we apply your payments?

    • Minimum Payment

      Generally, we process your minimum payment in the following order:

      1. Lower APR balances (such as purchases)

      2. Higher APR balances (such as cash advances)

    • Amounts in Excess of the Minimum Payment

      If you pay more than your required minimum payment, generally we apply the excess first to the higher APR balances and then to lower ones.

12. How do we verify information from phone service providers?

    We may contact your past, present, and future phone service providers to verify information that you gave us including any phone numbers against their records about you (such as name, address and account status).

13. How and why can we contact you?

    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. 

14. What happens if your contact information changes?

    You must promptly contact us if you change any of the contact information you provided us. This information includes your:
    • Name
    • Email addresses
    • Mailing address
    • Phone numbers

15. How is the credit card law different for Ohio residents?

    Notice: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

16. How is the credit card law different for married Wisconsin residents?

    Notice: If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.

17. How does information sharing work?

    If a Choice Privileges Mastercard Credit Card is opened, the issuing bank, Wells Fargo Bank, N.A., will provide your full account number to Choice as part of the Account-opening process. We may share Account and personal information with Choice for purposes of administering or servicing the Card Rewards Program.

18. How does the introductory offer work?

    60,000 bonus rewards points

    How you Qualify for the 60,000 bonus rewards points

    At least $1,000 in Qualifying Net Purchases must post to your Card Account within 3 months from the date you opened your Card Account. A Net Purchase is the amount that remains after any returns or credits.

    When Rewards Will Be Available

    The bonus rewards points you earn through the introductory offer will show as redeemable within one to two billing periods after you earn it.

19. What transactions do not qualify for the introductory offer?

    The following transactions are not considered purchases and do not qualify:

    • Cash Advances and Any Kind of Equivalents

      • ATM transactions
      • Cash advances
      • Money orders
      • Pre-paid gift cards
      • SUPERCHECKS^TM
      • Traveler’s checks
      • Wire transfers
      • Person-to-person money transfers
      • Overdraft protection advances
      • Digital currencies (to the extent accepted)

    • Balance Transfers

      • Balance transfers
      • SUPERCHECKS^TM

    • Disputes and Illegal Transactions

      • Disputed or illegal purchases
      • Purchases that violate the terms of your agreement or the Choice Privileges Rewards Program Rules and Regulations

    • Fees and Interest

      Any fees or interest that post to your Card Account, such as:

      • Late fees
      • Monthly or annual fees
      • Returned payment fees

    • Gambling Transactions

      Any gambling transactions you make, including:

      • Bets or wagers made online
      • Casino gaming chips
      • Lottery tickets
      • Off-track wagers

Part 2: Choice Privileges^® 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.

1. 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.

   • 5 points (one base point and four bonus points)

     (1) You earn five 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 5 points per $1.00 spent on Qualifying Net Purchases of Choice Privileges Points made on the Card Account.

   • 3 points (one base point and two bonus points)

     You earn three 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.

2. 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

3. 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.^† 

4. 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

5. 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.

6. 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.

7. 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.

8. 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.

9. What happens to your points on returned or adjusted transactions?

   Returns and adjustments may affect your points calculations.

10. 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.

11. Do unredeemed points have cash value?

    No.

12. 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.

13. 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.^†

14. 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.

15. 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. 

16. 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.

17. 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

18. 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.^† 

19. 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.

20. 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.

21. What is the governing law for these Terms?

    Federal law governs these Terms, as well as South Dakota law, if it applies.

22. 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.