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CardCurator — Rewards Intelligence
Card Comparison

Choice Privileges Mastercard vs Wells Fargo Active Cash

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Choice Privileges Mastercard card art
Choice Privileges
Choice Privileges Mastercard
Wells Fargo
More Info
Wells Fargo Active Cash card art
Wells Fargo Cash Rewards
Wells Fargo Active Cash
Wells Fargo
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
3%
Signup Bonus
60,000 points
Spend $4,000 in 3 months
20,000 points
Spend $500 in 3 months
Top Earn Rates
  • Choice Hotels® properties19 plus on Choice Privileges point purchases 5x
  • gas stations, grocery stores, home improvement stores and phone plan services 3x
  • All Other Purchases 1x
  • All Purchases 2x
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Choice Privileges Mastercard vs Wells Fargo Active Cash

Is the Choice Privileges Mastercard or Wells Fargo Active Cash better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Choice Privileges Mastercard currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). Wells Fargo Active Cash offers 20,000 pts signup bonus (spend $500 in 3 months). Choice Privileges Mastercard has the larger bonus.

Which card is better for international travel?

Both cards charge foreign transaction fees (Choice Privileges Mastercard: 3%, Wells Fargo Active Cash: 3%). Consider a no-foreign-fee card for international travel.

Can I hold both the Choice Privileges Mastercard and the Wells Fargo Active Cash?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Wells Fargo, so check their specific application rules.