Card Comparison
Choice Privileges Mastercard vs Wells Fargo Reflect
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
3%
Signup Bonus
60,000 points
Spend $4,000 in 3 months
None
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
1x base rate
Reward Type
miles
cashback
Key Credits
None
None
Transfer Partners
No transfer partners
Cash back only
Common Questions: Choice Privileges Mastercard vs Wells Fargo Reflect
Is the Choice Privileges Mastercard or Wells Fargo Reflect 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 Reflect offers no current bonus. 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 Reflect: 3%). Consider a no-foreign-fee card for international travel.
Can I hold both the Choice Privileges Mastercard and the Wells Fargo Reflect?
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.